United States. Massachusetts In Massachusetts point system is known as Safe Driver Insurance Plan (SDIP). This encourages safe driving with lower premiums for drivers who do not cause accidents or commit traffic violations, and by ensuring that high-risk drivers pay a greater share of insurance costs. The points are accumulated over a six-year period, and reduced for sustained periods of safe driving. The number of surcharge points assigned to each surchargeable incident is determined by the incident classification defined in the Safe Driver Insurance Plan: Minor Traffic Law Violation - 2 points Minor At-Fault Accident - 3 points Major At-Fault Accident - 4 points Major Traffic Law Violation - 5 points The incident count is the number of surchargeable incidents. However, if more than one surcharge comes from one incident, it only counts as one surchargeable incident. New Jersey The Motor Vehicle Commission of New Jersey has a point system. If the motorist receives 6 points or more within a period 3 years or more, they will be forced to pay a surcharge annually for three years, which does include court fees and other penalties. If 12 points or more are accumulated on the motorist's license, then their license will be suspended. Other offenses that lead to automatic suspension of the motorist's license are the following: Driving while intoxicated (DWI) Operating a vehicle without a license Driving a vehicle without insurance Failure to pay child support Failure to make a court-ordered appearance Drug-related charges. Drinking alcohol if under the age of 21 The points range from 2 to 8 points, depending on the severity of the offense. Red light camera violations are not worth any points. The motorists can deduct points from their driving records. 3 points may be deducted one year after either the motorist's last moving violation and no violations for at least one year before. The motorist must also complete an approved driver improvement program. 2 points may be deducted if the motorist completes a defensive driving course. However, the motorist may receive point reductions every five years for every course they take. New York Under the New York points system, a driving license is suspended after 11 points or 3 speeding tickets are accumulated in 18 months. Points are counted from the date of the incident (usually the date of the ticket) rather than the date of conviction. After a driver accrues 6 or more points