North Carolina Personal & Business Insurance
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North Carolina Insurance Points

DHB Insurance Agency | March 2014

NC Insurance Points

The North Carolina Safe Driver Incentive Plan (SDIP) charges drivers "Points" based on their driving experience over the previous three years. Points are charged for moving violations or causing an accident and cause a driver to be charged higher premiums based on a point system driving history from the last three years.

This system is separate from the point system of the NC DMV. The three year clock for insurance points starts at the conviction date not on the date you receive the ticket.

We have split out many of the most common convictions that cause drivers to be charged points. This is a partial list and is subject to change at any time. For a complete list, visit the NCDOI.


At-Fault Accidents

(Amounts Include Damage To Your Auto)

No Bodily Injury

  • Total Damage < $1,800 [1 Point] *
  • Total Damage $1,800—$3,000 [2 Points]
  • Total Damage > $3,000 [3 Points]

Bodily Injury

  • Total Damages < $1,800 [1 Point]
  • Total Damages > $1,800 [3 Points]

Speeding Tickets

  • 1-10 over when speed limit < 55 [1 Point]
  • 1-10 over when speed limit 55+ [2 Points]
  • 10+ over providing total speed is between 56 and 75 [2 Points]
  • Driving above 75 when speed limit is < 70 [4 Points]
  • Driving above 80 when speed limit is70 [4 Points]

DUI

  • Under age 21 and driving after consuming any alcohol [4 Points]
  • Driving with a blood alcohol level of .08 or more [12 Points]
  • Driving commercial vehicle with a blood-alcohol level of .04 or more [12 Points]

Other

  • 1 Point: Most Minor Moving Violations (Failure to Stop at Stop Sign)
  • 2 Points: Illegal Passing | Following too Closely | Driving on Wrong Side of Road
  • 4 Points: Reckless Driving | Passing a Stopped School Bus | Hit and Run (Property Damage Only)
  • 8 Points: Aggressive Driving
  • 12 Points: Pre-Arranged Racing | Hit and Run (With Bodily Injury)

Points /
Approximate
Rate Increase

  • 1 Point | 30%
  • 2 Points | 45%
  • 3 Points | 60%
  • 4 Points | 80%
  • 5 Points | 110%
  • 6 Points | 135%
  • 7 Points | 165%
  • 8 Points | 195%
  • 9 Points | 225%
  • 10 Points | 260%
  • 11 Points | 300%
  • 12 Points | 340%

*SDIP for Accidents under $1,800 may be waived if:

  • No Bodily Injury
  • No Conviction For Moving Violation With Accident
  • No Convictions or At-Fault Accidents for Anyone in HOUSEHOLD during experience period.

**SDIP for speeding 10mph or less may be waived if:

  • The Violation Did Not Occur In A School Zone
  • There Is Not Another Moving Violation For The Experience Period.

***NC DMV Rule—Driving vehicle more than 15 mph over speed limit, if driving at a speed higher than 55mph

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