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Written by:
Prachi Singh
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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
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Laura Longero
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Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.
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“Plus 2” on a driving record generally means that you have accumulated 2 points on your license, but it depends on your state and its record point accumulation system. Points accumulation means you have been convicted of a traffic violation, and that offense and points have been placed on your driving record.

When you have been convicted of speeding or other moving violations that are then placed on your driving record, then the next time your insurance company pulls your motor vehicle record, they will see the violation and will rate accordingly which means that the cost of your auto insurance premiums could go up.

What happens if you accumulate too many points on your license?

Having points on your license is also bad because, in most states, if you accumulate too many points, then your license can become suspended for being a habitual traffic offender.

To find out about your specific state’s points system and if there is a way to remove or reduce your points, you can check with your local Department of Motor Vehicles

 — Michelle Megna contributed to this story.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.