New York State is updating its driver point system in 2026, introducing stricter rules that could affect both driver’s licenses and car insurance rates. The changes, approved by the state legislature, are expected to take effect in February and make it easier for drivers to accumulate points that could lead to license suspensions.
Under the current system, drivers face a possible suspension after accumulating 11 points within 18 months. The new rules lower the threshold to 10 points over 24 months and increase the points assigned for many traffic violations. Major adjustments include raising points for passing a stopped school bus, reckless driving, speed contests, work-zone speeding, and striking highway structures from five to eight points. Minor speeding violations up to 10 miles over the limit will now carry four points instead of three, while using a cell phone while driving jumps from four to six points. Alcohol-related convictions will also carry higher penalties, with the first offense rising from five to eight points, the second from eight to 11, and the third from 11 to 14. Other changes include two points for illegal U-turns and obstructing traffic, and three points for failing to move over for emergency vehicles.
Officials say the update targets persistent offenders, particularly those involved in alcohol or drug violations, passing stopped school buses, and speeding in construction zones. Experts warn that the changes could have far-reaching effects on insurance, as even minor convictions or reduced plea deals may result in points under the new system. The DMV is also modernizing its technology, aiming to improve safety and align New York with neighboring states. According to the state’s proposal, extending the review period from 18 to 24 months could classify roughly 40% more drivers as persistent violators, encouraging safer driving habits over a longer period.