About North Carolina Insurance Points

There are two notable point systems linked to driving in North Carolina.  There are insurance points and DMV points.  This manual will clarify what North Carolina insurance points are, and how they will impact your North Carolina auto insurance premiums.  Click to read about North Carolina DMV points, and how they can impact your driver’s license.

North Carolina insurance points, or SDIP points (Safe Driver Incentive Plan points), are points recognized by the North Carolina Department of Insurance when deciding how much your auto insurance company can charge you for auto insurance.  The North Carolina Safe Driver Incentive Plan (the “SDIP”) was set up in 1957, and it is designed to financially motivate you to drive safely.  Under the SDIP, drivers that accumulate insurance points will pay between 25% and 340% more for auto insurance.  Below is a list of driving charges, and the amount of insurance points associated with each charge.  Also, when adding up your insurance points, be aware that if you are charged with more than one traffic violation in the same incident, insurance points are generally assessed for each of the traffic charges.

Offense Insurance Points
Manslaughter or Negligent Homicide 12 Points
Pre-arranged Highway Racing 12 Points
Hit and Run (injury/death) 12 Points
DWI (.08 BAC or more) 12 Points
Transporting Illegal Liquor for Sale 12 Points
Highway Racing 10 Points
Speeding to Elude Arrest 10 Points
Driving While Revoked or Suspended 8 Points
Aggressive Driving (Comm. Lic.) 8 Points
Aggressive Driving (Class C License) 8 Points
Reckless Driving 4 Points
Hit and Run (property damage) 4 Points
Passing a Stopped School Bus 4 Points
Speeding (75 mph or greater when limit < 70) 4 Points
Speeding (80 mph or greater when limit 70) 4 Points
Driver under 21 driving after Consuming Alcohol/Drugs 4 Points
At-Fault Accident (injury/death >$800, or property damage >$3,000) 3 Points
Illegal Passing 2 Points
Following Too Closely 2 Points
Driving on Wrong Side of Road 2 Points
Stop Sign/Stop Light Violation 1 Point
Speeding Through a Safety Zone By Speed
Driving with no Operator’s License 1 Point
Failure to Yield Right of Way 1 Point
Failure to Stop for Siren 1 Point
Driving with no Liability Insurance 1 Point
At Fault Accident (property damage > $1,800, but < $3,000) 2 Points
Speeding (>10 mph over limit when speed  limit is > 55, but < 76) 2 Points
Speeding (less than 10mph over limit when speed limit is 55 or greater) 2 Points
Speeding when limit is 55 mph or greater By Speed
Speeding when limit is 55 mph or less By Speed
Speeding in School Zone By Speed
All other Moving Violations 2 Points
Failure to Restrain Child in Restraint 1 Point
At-Fault Accidents (injury or property damage < $1,800) 1 Point
Speeding (10 mph or less over limit when speed limit is less than 55) 1 Point
Littering from vehicle 1 Point
Non-Moving Violations 0 Points


No Insurance points will be charged for (i) accidents resulting in no injuries and property damage less than $1,800 (if there is no conviction for a related moving violation, and the other driver’s in the household have a clean driving record for the past 3 years), (ii) once conviction every 3 years of speeding 10 mph or less (if not in a school zone), and (iii) one Prayer for Judgment Continued every three years (provided no other driver in your household or on your auto insurance policy has used a Prayer for Judgment Continued in the preceding 3 years).  An insurance point will continue to affect your insurance premiums until the occurrence that caused the insurance point is more than 3 years old.  The table below shows how insurance points will impact your auto insurance premiums.

Insurance Points Assessed Percentage of Rate Increase
1 25%
2 45%
3 60%
4 80%
5 105%
6 130%
7 160%
8 190%
9 225%
10 260%
11 300%
12 340%


Kreger Brodish’s North Carolina Speeding Ticket Attorneys serve clients charged with speeding and other traffic violations in Durham County, Guilford County (including the cities of Gibsonville, Greensboro, High Point, Jamestown, Oak Ridge, Pleasant Garden, Sedalia, Stokesdale, Summerfield and Whitsett) and Orange County (including the cities of Carrboro, Chapel Hill and Hillsborough).