Point & Insurance Reduction Program

NYS DMV Point and Insurance Reduction Program
The Point and Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called "course sponsors," throughout New York State. Each qualifying course must meet strict standards for the safe driving information presented and program effectiveness.

If you complete an approved PIRP course:
  • It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today's vehicle and traffic laws.
  • You may be eligible to reduce as many as 4 points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction.
  • If you are the principal operator of a motor vehicle, you will receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years.
  1. After completing the PIRP course, how do I receive the insurance reduction?
  2. After I complete the PIRP course, how do I receive the point reduction?
  3. How do I know my driving record shows my PIRP course completion?
  4. How much time does the PIRP course take, what is it like and what does it cost?
  5. If a youthful operator is already receiving a driver education reduction, will the PIRP discount also be applied?
  6. What effect does point reduction have on my license and driving record?
  7. What if more than one person named on a policy completes the PIRP course?
  8. Will the PIRP course prevent my insurance company from raising my premiums?
  9. Will youthful operators and drivers participating in assigned risk pool receive the insurance premium discount?
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DMV Point System Summary

The following table shows the point values assigned to moving traffic violations. The "points" are assessed against your driving record based on the date you committed the violation, not the date you were convicted in court. If you accumulate 11 or more points in 18 months, you will be called to a DMV hearing, after which your license may be suspended or revoked. You will be offered the option of waiving the hearing or accepting a definite period of suspension.

Some license revocations and suspensions are mandatory and do not depend on points. These include three speeding violations within 18 months, and convictions involving alcohol or drugs.

For more information about license suspensions and revocations, please refer to the publication "Suppose Your License Were Taken Away" (C-12), available at any motor vehicle office.
Violation Points
Speeding 1 - 10 mph over posted limit
 3
Speeding 11 - 20 mph over posted limit
 4
Speeding 21 - 30 mph over posted limit 6
Speeding 31 - 40 mph over posted limit 8
Speeding more than 40 mph over posted limit 11
 Reckless Driving 5
 Failure to stop for a School Bus 5
 Following too closely (tailgating) 4
 Inadequate brakes 4
 (while driving employer's vehicle) 2
 Failing to Yield Right-of-Way 3
 Violation Involving Traffic Signal, Stop Sign, or Yield Sign 3
 Railroad Crossing Violation 3
 Improper Passing or Lane Use 3
 Leaving scene of an accident involving property damage or injury to an animal 3
 Safety restraint violation involving person under 16 3
 Improper cell phone use 5
 Use of portable electronic device ("texting") 5
 Any other moving violation 2

Additional Information

For additional information please visit the New York DMV Website.