I am curently in school to be a cop and on the back of the ticket there is a naritive of what happened that night for the DA to read for court purposes (most people do not know this) So depending on what the cop wrote down on the back of the ticket is how lucky your going to get. But i don't think it will affect your insurance once you turn 18. I lost my license at 17 with -32 points got it back a year later and insurance is not as bad as i thought it would be. Now im 19 a policy for me and my girl runs like 875.00ish for 6 months for the two of us