How will having four points on your license at age 22 affect your insurance?

In general one ticket will increase your insurance premiums 25% for three years. If you have been paying 1000 per year you will now pay 1250 for a total of 750 for just one ticket.

This varies depending on your particular situation and your insurance carrier. Some people may see no increase while others may be refused renewal.

That depends on your insurance company, I have USAA and it went up very little.