In most states, the consequences of traffic tickets don’t end at fines and higher auto insurance premiums. Moving violations in Tennessee will also result in demerits against your license, potentially resulting in a suspension of your driving privileges. Below is a breakdown of the point system—along with tips to help avoid having your license taken away.

Tennessee’s Driver’s License Point System

Each moving or safety violation in Tennessee is assigned a point value, which is levied against your license upon conviction. If you receive 12 points within a 12-month period, the state will likely propose suspending your license for six months to a year.

What Are the Point Values of Different Violations?

The point values associated with different moving violations vary widely depending on the severity of the offense. For instance, driving 1-5 mph over the speed limit is only worth one point, while exceeding the speed limit by 36 mph will earn six points. Driving erratically or suddenly changing speed will result in a three-point demerit, and passing a stopped school bus will increase your total by eight points.

The Administrative Hearing

Before suspending your license, the state will send a notice giving you the chance to request a hearing. If you fail to respond, you will likely lose your license, so schedule and attend the administrative hearing. In many cases, you may be eligible to attend driving school instead of losing your license or at least negotiate a reduced suspension period.

How Points Affect Your Auto Insurance

Auto insurers assume that those with points on their licenses are more likely to cause an accident, so you might see your rates go up after a ticket. Getting auto insurance after a suspension can be difficult for those with multiple tickets on their record, so drivers should be doubly motivated to do whatever they can to keep their driving privileges.

If your driving record is less than perfect, Lafever Insurance Agency in Cookeville, TN, can help you get affordable coverage tailored to your needs. Their agents understand how challenging getting friendly auto insurance coverage can be, and they’re committed to finding you the best policy available at the lowest rates possible. To request a quote, call their offices at (931) 526-3377 to speak with an agent today.