What are Motor Vehicle Points in New Jersey?
If you plea guilty or our found guilty of a moving violation listed in the table below, the State of New Jersey Motor Vehicle Commission will assess points to your driving record.
How do points affect my driver's license?
If you get six or more points within three years on your current driving record, you will be assessed a surcharge. If you get 12 or more points on your current driving record, your license will be suspended. You will receive a notice of scheduled suspension by mail. Call us immediately if you receive a suspension notice.
How do points affect my insurance?
In New Jersey, insurance companies use insurance eligibility points. Generally, these points are the same as the points assessed by the MVC. However, some moving violations such as DWI and driving while suspended do not result in MVC points but they will result in insurance eligibility points.
So what are insurance eligibility points?
Insurance Eligibility Points are used by insurance carriers to determine the level of premiums that an insured must pay for liability coverage. A total of 7 or fewer points will determine the tier of coverage for which an insured may qualify when purchasing insurance in the NJ voluntary market. An accumulation of more than 7 insurance points will disqualify you from purchasing insurance in the voluntary market. However, you may attempt to purchase insurance on an assigned risk basis through the New Jersey Automobile Insurance Plan (N.J.P.A.I.P), although the premiums for even basic, minimal coverage will be more expensive than the rates available in the voluntary market. Thus, it is extremely important to protect your record or you could be paying for years.
What traffic violations result in MVC points?
| New Jersey Turnpike, Garden State Parkway and Atlantic City Expressway | ||
| 27:23-29 | Moving against traffic | 2 |
| 27:23-29 | Improper passing | 4 |
| 27:23-29 | Unlawful use of median strip | 2 |
| All roads and highways | ||
| 39:3-20 | Operating constructor vehicle in excess of 45 mph | 3 |
| 39:4-14.3 | Operating motorized bicycle on a restricted highway | 2 |
| 39:4-14.3d | More than one person on a motorized bicycle | 2 |
| 39:4-35 | Failure to yield to pedestrian in crosswalk | 2 |
| 39:4-36 | Failure to yield to pedestrian in crosswalk; passing a vehicle yielding to pedestrian in crosswalk | 2 |
| 39:4- 41 | Driving through safety zone | 2 |
| 39:4-52 | Racing on highway | 5 |
| 39:4-55 | Improper action or omission on grades and curves | 2 |
| 39:4-57 | Failure to observe direction of officer | 2 |
| 39:4-66 | Failure to stop vehicle before crossing sidewalk | 2 |
| 39:4-66.1 | Failure to yield to pedestrians or vehicles while entering or leaving highway | 2 |
| 39:4-66.2 | Driving on public or private property to avoid a traffic sign or signal | 2 |
| 39:4-71 | Operating a motor vehicle on a sidewalk | 2 |
| 39:4-80 | Failure to obey direction of officer | 2 |
| 39:4-81 | Failure to observe traffic signals | 2 |
| 39:4-82 | Failure to keep right | 2 |
| 39:4-82.1 | Improper operating of vehicle on divided highway or divider | 2 |
| 39:4-83 | Failure to keep right at intersection | 2 |
| 39:4-84 | Failure to pass to right of vehicle proceeding in opposite direction | 5 |
| 39:4-85 | Improper passing on right or off roadway | 4 |
| 39:4-85.1 | Wrong way on a one-way street | 2 |
| 39:4-86 | Improper passing in no passing zone | 4 |
| 39:4-87 | Failure to yield to overtaking vehicle | 2 |
| 39:4-88 | Failure to observe traffic lanes | 2 |
| 39:4-89 | Tailgating | 5 |
| 39:4-90 | Failure to yield at intersection | 2 |
| 39:4-90.1 | Failure to use proper entrances to limited access highways | 2 |
| 39:4-91-92 | Failure to yield to emergency vehicles | 2 |
| 39:4-96 | Reckless driving | 5 |
| 39:4-97 | Careless driving | 2 |
| 39:4-97a | Destruction of agricultural or recreational property | 2 |
| 39:4-97.1 | Slow speed blocking traffic | 2 |
| 39:4-97.2 | Driving in an unsafe manner (points only for third or subsequent offense within five years of most recent 39:4-97.2 conviction) | 4 |
| 39:4-98 | Exceeding maximum speed 1-14 mph over limit | 2 |
| 39:4-98 | Exceeding maximum speed 15-29 mph over limit | 4 |
| 39:4-98 | Exceeding maximum speed 30 mph or more over limit | 5 |
| 39:4-105 | Failure to stop for traffic light | 2 |
| 39:4-115 | Improper turn at traffic light | 3 |
| 39:4-119 | Failure to stop at flashing red signal | 2 |
| 39:4-122 | Failure to stop for police whistle | 2 |
| 39:4-123 | Improper right or left turn | 3 |
| 39:4-124 | Improper turn from approved turning course | 3 |
| 39:4-125 | Improper u-turn | 3 |
| 39:4-126 | Failure to give proper signal | 2 |
| 39:4-127 | Improper backing or turning in street | 2 |
| 39:4-127.1 | Improper crossing of railroad grade crossing | 2 |
| 39:4-127.2 | Improper crossing of bridge | 2 |
| 39:4-128 | Improper crossing of railroad grade crossing by certain vehicles | 2 |
| 39:4-128.1 | Improper passing of school bus | 5 |
| 39:4-128.4 | Improper passing of frozen dessert truck | 4 |
| 39:4-129 | Leaving the scene of an accident - no personal injury | 2 |
| Personal injury | 8 | |
| 39:4-144 | Failure to observe stop or yield signs | 2 |
| 39:5C-1 | Racing on highway | 5 |
| 39:5D-4 | Moving violation committed out-of-state | 2 |
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