Motta & Muñoz, PLLC

Providing legal services to the greater Triangle area.

Insurance Points in North Carolina

Did you know that aside from driver’s license points, there are also things called insurance points? Being convicted of a traffic-related offense can potentially cause you to get points on your insurance, which in turn might cause your automobile insurance rates to increase. Here are just a few of the common traffic convictions and the insurance points that come with them.

Insurance  Points

Points                   % of Rate       Cost if Basic                      Points                   % of Rate       Cost if Basic

                                Increase             Rate is $300                                                       Increase             Rate is $300

1                              30%                        $390                                          7                           165%                    $795     

2                              45%                        $435                                          8                           195%                    $885     

3                              60%                        $480                                          9                            225%                     $975

4                              80%                        $540                                         10                          260%                    $1,080

5                              110%                     $630                                          11                           300%                     $1,200

6                              135%                     $705                                          12                           340%                     $1,320

   Source: NC Dept of Insurance

 

Convictions and At-Fault Accidents

 

Manslaughter or Negligent Homicide                                 12

Prearranged highway racing (P.H.R.)                                12

Lending a car for P.H.R.                                                     12

Hit & Run resulting in bodily injury/death                            12

Driving While Impaired                                                        12

Transporting illegal intoxicating liquor for sale                    12

 

Highway racing or lending  a car for same                         10

Speeding to elude arrest                                                     10

 

Driving during license revocation or suspension                  8

Aggressive driving                                                                 8

Passing a stopped school bus                                              4

Reckless driving                                                                    4

Hit and run, property damage only                                        4

Speeding in excess of 75 mph

(when speed limit  is < 70 mph)                                    4

Speeding in excess of 80 mph

(when speed limit  is 70 mph or greater)                       4

Driving by a person less than age 21

after consuming alcohol or drugs                                  4

 

At-fault accident resulting in death, OR total bodily injury (to all) in excess of $1800 OR resulting in total property damage

of $3000 or more                                                                   3

 

Illegal passing                                                                         2

Following too closely                                                              2

Driving on wrong side of road                                                2

At-fault accident resulting in total property damage (to all) in excess of $1800,

but less than $3000                                                                2

Speeding more than 10 mph over the speed limit, provided the total speed is in excess

of 55 mph, but less than 76 mph                                           2

Speeding 10 mph or less in excess of

speed zone of 55 mph or greater                                          2

 

All other moving violations                                                      1

At-fault accident resulting bodily injury (to all) of $1800 or less; OR resulting in property

damage of $1800 or less                                                       1

Speeding 10 mph or less in excess of

speed limit of less than 55 mph                                             1

 

     Source: NC Dept of Insurance