Insurance

Insurance Consequences of a Traffic Offense

1 Point

  • Speeding 10 mph or less in excess of a speed limit of less than 55 mph
  • Any other moving violation
  • Each at-fault accident that results in total damage of $1,800.00 or less

2 Points

  • Illegal passing
  • Speeding more than 10 mph over the limit, if total speed was in excess of 55 mph but less than 76 mph
  • Speeding 10 miles or less in excess of limit in speed zone of 55 or greater
  • Following too closely
  • Driving on the wrong side of the road
  • Each at-fault accident that results in total damage to all property which is in excess of $1,800.00 but less than $3000.00

3 Points

  • Each at-fault accident that results in bodily injury (in excess of $1800.00) or death or total property damage (including the insured’s property) of $3000.00 or more

4 Points

  • Failure to stop and report when involved in a motor vehicle accident resulting in property damage only (hit-and-run) (Misdemeanor)
  • Reckless driving (Misdemeanor)
  • Passing a stopped school bus
  • Speeding in excess of 75 miles per hour (mph) when posted limit is less that 70 mph (Misdemeanor)
  • Speeding in excess of 80 mph when limit is 70 mph or greater
  • Driving by a person under 21 after consuming alcohol or drugs

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Special Exemptions: No Insurance Points Assessed

(1) For an accident if:

  • There is property damage only;
  • The amount of damage is $1,800 or less
  • There is no conviction for a moving violation in connection with the accident; AND
  • No licensed operators in the household have convictions or at-fault accidents during the experience period. 

(2) For speeding 10 mph or less over the posted speed limit if: 

  • The violation did not occur in a school zone, AND
  • There is not another moving traffic violation for the experience period. 

10 Points

  • Highway racing (not prearranged) or knowingly lending a motor vehicle to be used in the race
  • Speeding to elude 8 Points
  • Operating a motor vehicle during a period of revocation or suspension of either the driver’s license or vehicle registration (Misdemeanor)

12 Points

  • Manslaughter (or negligent homicide) resulting from the operation of a motor vehicle (Felony)
  • Prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race (Felony)
  • Failure to stop and render aid when involved in an accident resulting in bodily injury or death (hit-and-run driving) (Felony)
  • Impaired driving, including driving a vehicle while under the influence of an impairing substance; driving a vehicle with an alcohol concentration of 0.08% or more; and driving a commercial vehicle with an alcohol concentration of 0.04% or more (a revocation pursuant to G.S. §20-16.5 is not a conviction) (Misdemeanor)
  • Transportation of intoxicating liquors for the purpose of sale. (Misdemeanor) 
Points:% of Rate Increase:Cost if Basic Rate is $300:
130%$390
245%$435
360%$480
480%$540
5110%$630
6135%$705
7165%$795
8195%$885
9225%$975
10260%$1,080
11300%$1,200
12340%$1,320

Source: NC Department of Insurance Safe Driver Incentive Plan