A Virginia traffic conviction can affect your DMV record and your insurance — and those are two different things. This article explains how Virginia's demerit points work and why insurance is separate.
Quick note: The Right Way is a private driving school, not the Virginia DMV or a law firm. This is general information, not legal advice. For your specific record, contact the Virginia DMV and your insurer.
How Virginia demerit points work (DMV)
Virginia assigns demerit points when you're convicted of a traffic violation. As a general illustration, violations carry 3, 4, or 6 points (for example, speeding 10–19 mph over the limit is generally a 4-point offense). Demerit points remain valid for two years from the date of the offense.
Suspension thresholds
- 8 points in 12 months — the DMV may send an advisory letter.
- 12 points in 12 months — you must complete a driver improvement clinic within 90 days.
- 18 points in 12 months — can lead to a license suspension and follow-up requirements.
These are general figures — the Virginia DMV is the authority on your actual record.
Why insurance is different
Even though demerit points expire after two years, a conviction can stay on your record much longer and may affect insurance rates for years. Only your insurer can tell you how a given conviction affects your premium.
What this means for you
- Demerit points / license status → the Virginia DMV.
- Premium impact → your insurance provider.
- Your citation or court outcome → the court on your paperwork, or a licensed attorney.
Virginia also has safe driving points that can offset your balance — see Virginia safe driving points. We can't promise any effect on your license or insurance.