How will 3 points on your car policy insurance record affect your insurance?

Exceptionally B*A*D. Most states will pull your license when you rack up three points, especially if they were all moving violations (depends on the state you live in), unless you have a commercial license. Your biggest auto insurance carriers won't even talk to you, much less insure you if you have that many points. You'll probably have to do a SR-22 filing, and that wil cost you a bundle!