New York Point & Insurance Reduction Program

NY residents are eligible for a 3-year auto insurance discount! Per the New York State Insurance Commissioner, all automobile insurance companies writing policies for NY residents are required to provide an appropriate reduction for three (3) years, from the base rate of the current liability, no-fault and collision premiums when an insured presents them with proof of completion of a Point and Insurance Reduction Program (PIRP) completed through a NY DMV-approved course provider. The program, which must come from approved course sponsors, teaches a variety of aspects of safe driving, including time-tested driving tips. The course provides multiple benefits:

  • If you are the operator of the vehicle, you will receive a 10 percent discount in your base rate for auto insurance for collision and liability premiums for 3 years.
  • You may receive up to 4 points reduced from your driver's record.
  • You improve your skills on the road, improving your safety and that of other drivers.

Common Questions

How Do You Get the Insurance Reduction?

Most likely, you will receive a physical certificate of completion to submit to your insurance company for your three-year insurance discount. Some specialized defensive driving schools may report your completion for you on your behalf. It is highly recommended to confirm this with the defensive driving school. The discount is applied starting on the completion date provided to the company. You can do this again every 36 months to keep the reduction in costs if you like.

Does This Prevent My Insurance Company from Increasing My Rates?

No, it does not. General increases to your premium or those added because of traffic violations or accidents can occur. The 10 percent reduction for 3 years is on the rate of liability, collision as well as no-fault policies.

Can Multiple People on the Same Policy Complete the Course?

Yes, however, only one driver for each covered vehicle can take this course for the insurance reduction. The reduction applies to the driver who completed the course for all of his or her vehicles.

What about Youthful Operators or Drivers in Assigned Risk Pools?

Any driver who operates the vehicle and completes the program can get the reduction. Keep in mind that not all insurance companies will offer both a reduction from PIRP and drivers education courses to youthful drivers.

How long is the course and what's the cost?

Both a classroom option and an alternative delivery method self-paced study are available (this includes online programs.) Each course must take at least 6 hours to complete. The fees for the service will vary from each facility, as well the methods and approaches used.

The Classroom:

You can complete it in just one or numerous sessions where attendance is a requirement. There is no testing required upon completion.

Alternative Delivery Method Course:

This course must last at least 320 minutes. You have 30 days from the time you register to complete the course. You will need to provide information from your New York driver license when you register. You may be asked to register for this type of course in person or take an exam at the completion of the program. This is up to the sponsor of the course. You must take the course from a DMV approved course sponsor for New York. Most common options include taking the course online at your own pace.

How Does Point Reduction Work?

Once the PIRP course is complete, the course sponsor notifies the DMV of the completion, usually within 10 weeks of completion. A notice is placed on your driver's record at that time and a reduction of up to four points will occur. The violations will remain, but the number of points will drop.

How Can You Check Your Driver's Record?

To find out if the PIRP course completion is on your driving record, request a copy of it from the Department of Motor Vehicles. You can do this in person or online. If it is not listed on the record after 10 weeks, the sponsor of the course needs to be contacted.

What Does This Point Reduction Do?

A drop in the number of points on your license has numerous benefits. It can reduce the risk of suspension and keep insurance rates lower. You cannot drop the points below "zero" through this program and no "credit" is issued for further problems. This reduction only affects violations which were added to your record within the past eighteen months prior to the completion of the course.

New York Point System

The following is a description of the value of points given various types of moving violations as they apply to New York law. Points are placed on a driver's record as of the date the violation was committed. They remain in place for 18 months. If you receive violations totaling eleven or more points within an 18 month period, you will be required to stand before a hearing. Your license, at this point, may be suspended or, even worse, revoked. In some cases, you can waive the hearing and accept a suspension.

Keep in mind that not all moving violations fall within this point system. In some cases, the revocation of a license or suspension is mandatory and does not require points. This includes any conviction where illegal drugs or alcohol is a factor.

  • 5 Points - Driving classified as reckless
  • 5 Points - Not stopping for a bus
  • 4 Points - Following another vehicle too closely
  • 4 Points - Inadequate braking (this is 2 points when the individual is driving an employer's vehicle.)
  • 3 Points - Not yielding the right of way
  • 3 Points - Disobeying traffic signals, stop signs or yield signs
  • 3 Points - Violating a railroad crossing law
  • 3 Points - A violation of safety restraints for someone under the age of 16
  • 3 Points - Leaving the scene of a collision including damaged property or animal injury
  • 2 Points - Most other moving violations

Additionally, speeding will warrant points being added to your driver's record. The number of points depends on how many miles over the speed limit you were traveling.

  • 11 Points - Driving more than 40 miles over the limit
  • 8 Points - Driving 31 to 40 miles over the limit
  • 6 Points - Driving 21 to 30 miles over the limit
  • 4 Points - Driving 11 to 20 miles over the limit
  • 3 Points - Driving between 1 and 10 miles over the limit