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