How will 3 points on your driving record affect your insurance?

I had received 4 speeding tickets in 2 months, so I know first hand the difference in insurance from receiving 3 points.

It doubles.

Or, atleast it did for me.

That's pretty much the long and short of it. But other things like being dropped from you're carrier can happen. But it does take 4 points in 12 months to get your license suspended.

I'm not sure how it works where you are but in Nevada the points on your record are just a system used for DMV to determine when to tell you "time to take the bus" (12 demerit points in 12 months)

What insurance companies out here go by are CONVICTIONS which are totally separate from the demerit points so depending on why the points were tacked on it may ironically not affect it at all.. while a paragraph telling a story (conviction summary) of you driving wrecklessly may considerably impact it yes. If you're with State Farm you'd better start looking for another insurance company.

Like I said, it depends on the circumstances and Insurance companies go by your actual convictions and not so much numeric points.