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