Insurance Points

Below is a list of insurance points for each violation. The list is for the state of North Carolina.

Driving points with the DMV are entirely separate than insurance points, Safe Driver Incentive Plan (SDIP).

12 Insurance points

Driving while impaired

Hit and run resulting in bodily injury or death

Manslaughter or negligent homicide

Prearranged highway racing or lending a car for prearranged racing

Transporting illegal intoxicating liquor for sale

10 Insurance points

Highway racing or lending a car for highway racing

Speeding to elude arrest

8 Insurance points

Aggressive driving

Driving while license suspended or revoked

4 Insurance points

Driving by a person less than 21 after consuming alcohol or drugs

Hit and run resulting in property damage only

Passing a stopped school bus

Reckless driving

Speeding in excess of 75 mph when the speed limit is less than 70 mph

Speeding in excess of 80 mph when the speed limit is 70 mph or greater

3 Insurance points

At-fault accident resulting in death or bodily injury greater than $1,800

At-fault accident with property damage of $3,000 or more

2 Insurance points

At-fault accident with property damage between $1,800 and $3,000

Driving on wrong side of the road

Following too closely

Illegal passing

Speeding 10 mph or less in speed zone of 55 mph or greater

Speeding more than 10 mph with total speed in excess of 55 mph but less than 76 mph

1 Insurance point

All other moving violations

At-fault accident with bodily injury or property damage of $1,800 or less

Speeding 10 mph or less with speed limit of less than 55 mph

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