North Carolina Insurance Points
If you have any questions concerning insurance points, contact your insurance agency.
Safe Driver Incentive Plan
Created by state law to give drivers a financial incentive to practice safe driving habits. SDIP points are charged during the Experience Period (the 3-year period preceding either the date an individual applies for coverage or the insurance company prepares to renew an existing policy)
SDIP Points |
Convictions and At-Fault Accident Points |
% of Rate
Increase |
1 |
- All other moving violations
- Speeding 10 mph over or less over a speed limit under 55 mph
- At-fault accident resulting in bodily injury (to all persons) of $1800 or less; OR resulting in prop. Damage (including damage to insured’s own prop.) of $1850 or less. Accidents that occur on/after October 1, 2017, resulting in total prop. Damage (including insured’s own) of $2300 or less.
- No Insurance Points will apply for bodily injury if medical costs were incurred solely for diagnostic purposes
|
30% |
2 |
- Illegal passing
- Following too closely
- Driving on wrong side of road
- At-fault accidents that occur on/after March 1, 2016 and prior to October 1, 2017, resulting in total prop. Damage (including insured’s prop.) over $1850 but under $3085. Accidents that occur on/after October 1, 2017, resulting in total prop. Damage (including insured’s own) over $2300 but less than $3850
- Speeding more than 10 mph over speed limit at total speed of more than 55 mph and less than 76 mph
- Speeding 10 mph or less over speed limit in speed zone of 55 mph or higher
|
45% |
3 |
- At-fault accident resulting in death/total bodily injury (to all persons) of more than $1800; OR resulting in total prop. Damage (including insured’s own_ of $3085 or more. Accidents that occur on/after October 1, 2017, that result in total damage to all prop. (including insured’s own) of $3085 or more.
- No Insurance Points will apply for bodily injury if the medical costs were incurred solely for diagnostic purposes.
|
60% |
4 |
- Reckless driving
- Hit and run resulting in prop. Damage only
- Passing stopped school bus
- Speeding in excess of 75 mph when speed limit is less than 70 mph
- Speeding in excess of 80 mph when speed limit is 70 mph or more
- Driving by a person less than age 21 after consuming alcohol/drugs
|
80% |
8 |
- Driving during revocation/suspension of license/registration
- Aggressive driving
|
195% |
10 |
- Highway racing/knowingly lending a vehicle for highway racing
- Speeding to elude arrest
|
260% |
12 |
- Manslaughter/negligent homicide
- Prearranged highway racing/knowingly lending a vehicle for prearranged highway racing
- Hit and run resulting in bodily injury/death
- Driving with blood alcohol level of .08 or more
- Driving commercial vehicle with blood alcohol level of .04 or more
- DWI
- Transporting illegal intoxicating liquor for sale
|
340% |
No SDIP Points Will Be Charged For…
An accident provided all the following are true:
- There is only prop. Damage
- The amount of damage is $1850 or less (prior to Oct. 1, 2017) or $2300 or less (after Oct. 1, 2017)
- There is no conviction for a moving violation in connection with accident; and
- No licensed operators in the household have convictions/at-fault accidents during the experience period.
Speeding 10 mph or less over the posted speed limit; provided all the following are true:
- The violation didn’t occur in a SZ; and
- There is not another moving traffic violation for the experience period. An isolated PJC will not count as a prior conviction for the purpose of this exception
One PJC for each household every three years; however:
- A second PJC may cause points to be charged according to the underlying convictions
An example of how 3 points could impact premiums
For 6 months of full coverage: |
|
Cost of car ins. For mom and dad |
$991 |
Cost of car ins. For mom, dad, and 16 y.o |
$1,730 |
Cost of car ins. For mom, dad and 16 y.o who had an accident |
$2,094 |
Referenced by NC DMV and N.C.G.S. 58-36-65 and 58-36-75.