The Driver's License Point System in Massachusetts

How Many Points Before Your License is Suspended?

Massachusetts uses a point system of surcharges and credits known as the Safe Driver Insurance Program (SDIP).


The SDIP system doesn't provide for suspensions based on total counts as other states but instead uses as a system of "surcharges." A driver’s license will be suspended for accumulating any combination of three moving violations and/or events within a 24 month period. This period is determined based on the most recent finding/conviction date. If another state reports an event, it will be included in the calculation. Events will not be counted if it is shown that they are presently under appeal, vacated or have been entered in error. A driver must complete a Driver Retraining Course within 90 days of the date of the notification from the RMV to avoid suspension of a license. If not, the license will be suspended until the driver completes the course and pays a $100.00 reinstatement fee will be imposed.

Habitual Traffic Offender (HTO): This suspension is triggered by an accumulation of a total of three major moving violations or any combination of 12 major or minor moving violations within a five year period. This period is calculated back from the most recent finding/conviction date. If another state reports an event, it will be included in the calculation. Surchargeable accidents are not part of HTO calculations.

How Many Points for Each Infraction?

Major violations: Examples include operating under the influence (OUI), leaving the scene of an accident where there is property damage or bodily injury, refusing to stop for a police officer, operating a vehicle after suspension or revocation of a driver’s license, manslaughter, or driving to endanger

5 points

Minor violations. Examples include speeding, following too closely, failure to use child restraint system, improper passing, failure to display current inspection sticker, failure to stop, operating a vehicle that is not properly registered

2 points

Major at fault violations. If you are more that 50% at fault, and your insurance company pays out more than $2,000 for your claim 

4 points

Minor at fault violations. More than 50% at fault in an accident that results in an insurance claim that pays out less than $2,000 in damages and medical expenses

3 points

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