NORTH CAROLINA INSURANCE POINTS

The Safe Driver Insurance Plan (SDIP) establishes rates for drivers based on their accident histories and moving violation convictions. See N.C.G.S. § 58-36-65 and N.C.G.S. § 58-36-75.

 

12 Points

► Vehicular Manslaughter (or negligent homicide)

► Prearranged highway racing or aiding and abetting same

► Hit and Run Driving resulting in bodily injury or death

► Driving While Impaired

► Transporting intoxicants for sale

 

10 Points

► Highway Racing or aiding and abetting same

► Speeding to Elude Arrest

 

8 Points

► DWLR or Driving While Vehicle Registration Revoked

 

4 Points

► Hit and Run resulting in property damage

► Reckless Driving

► Passing a Stopped School Bus

► Speeding >75 MPH when posted limit is <70 MPH

► Speeding >80 MPH when posted limit is ≥70 MPH

► Driving After Consuming <21

 

2 Points

► Illegal Passing

► Speeding >10 MPH over limit and >55 MPH and <76 MPH

► Speeding ≤10 MPH over limit in ≥55 MPH zone

► Following Too Closely

► Driving on the Wrong Side of the Road

 

1 Point

► Speeding ≤10 MPH over limit in < 55 MPH zone* [excluding school zones]

► Any other Moving Violation [including Exceeding Safe Speed; NOL; Failure to Yield to a Pedestrian]

 

No Points

► Improper Equipment, Failure to Display Registration or Inspection or License

 

* No points are assessed if the driver has no other moving violations during the 3 year experience period. See N.C.G.S. § 58-36-75(f).

 

 

Points are given for the following moving violation offenses pursuant to

N.C.G.S. § 20-16(c):

 

Conviction

Point Value

Passing a stopped school bus loading or unloading children (NO PJCs)

5

Aggressive driving

5

Reckless driving

4

Hit and run, property damage only

4

Following too closely

4

Driving on wrong side of road

4

Illegal passing

4

Failure to yield right-of-way to pedestrian pursuant to GS 20-158(b)(2)b.

4

Failure to yield right-of-way to bicycle motor scooter, or motorcycle

4

Running through stop sign

3

Speeding more than 55 mph

3

Speeding through a school zone

3

Failure to yield right of way

3

No driver license or license expired more than one year

3

Running through red light

3

Failure to stop for siren

3

Speeding through safety zone

3

Failure to report accident where such report is required

3

No liability insurance

3

All other moving violations

2

Littering involving a motor vehicle

1