Check your driving record regularly.

• Contact official sources like your state’s DMV (Department of Motor Vehicles) to request a copy of your driving record annually.

What is in the report? 

• Moving violations: Speeding, running a red light, and/or distracted driving.
• Other violations: Driving without a license, driving without insurance, and/or expired vehicle registration.
• Major violations: DUI of drugs or alcohol, leaving the scene of an accident, reckless driving/racing/super speeder, and/or driving with a suspended license. These violations result in the largest increase in auto premiums.
• At-fault accidents.

What to verify on the report?

• Accidents
• Violations
• Points
• License status
• Personal information like your name, address, and license number.

How long do violations stay on my record?

• Reckless driving: 3-6 years
• DUI of drug or alcohol: 5-10 years
• Speeding: 3-5 years

Some Common Georgia Driving Point Violations and Consequences

• Aggressive driving, 34 mph over the speed limit, 6 points
• Illegal passing of a school bus, 6 points
• Reckless driving 24-33 mph over the speed limit, 4 points
• Speeding 19-23 mph over the speed limit, 3 points
• Speeding 15-18 mph over the speed limit,2 points
• Driving while texting or other cell phone use violations, 1 point
• Points stay on your record for 2 years
• Violations that may trigger a license suspension:  
  • DUI or reckless driving
  • If you exceed 15 points within 24 months 
  • If under 21 years old, committing a 4-point offense

Whitlock’s Pro Tips for cleaning up your record:

• Contact your Auto Insurance Agent and talk through all the options to clean up your driving record.
• Contact your DMV to correct/dispute any errors.
• Enroll in a defensive driving course if necessary.
• Resolve tickets quickly. For example, if you receive a ticket for expired vehicle registration, then register your vehicle immediately.