Insurance Points

The North Carolina Department of Insurance (“NCDOI”) regulates insurance rates in North Carolina.  An insured’s rate will be surcharged based on the number of insurance points he or she receives during a three-year period. The following is an estimate of the surcharges assessed against an insured based on the insurance points he or she received.

12 Insurance Points 340.00%
11 Insurance Points 300.00%
10 Insurance Points 260.00%
9 Insurance Points 225.00%
8 Insurance Points 195.00%
7 Insurance Points 165.00%
6 Insurance Points 135.00%
5 Insurance Points 110.00%
4 Insurance Points 80.00%
3 Insurance Points 60.00%
2 Insurance Points 45.00%
1 Insurance Point 30.00%

The NCDOI has listed the following offenses as causes for an insured to receive insurance points.

12 Points – Manslaughter or negligent homicide resulting from the operation of a motor vehicle
– Prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race
– Hit and run resulting in bodily injury or death
– Driving with a blood-alcohol level of .08 or more
– Driving a commercial vehicle with a blood-alcohol level of .04 or more
– Driving While Impaired
– Transporting illegal intoxicating liquors for sale
10 Points – Highway racing or lending a car for highway racing
– Speeding to elude arrest
8 Points – Operating a motor vehicle during a period of revocation or suspension of either the driver’s license or vehicle registration
– Aggressive driving
4 Points – Reckless driving
– Hit and run resulting in property damage only
– Passing a stopped school bus
– Speeding in excess of 75 mph when posted limit is less that 70 mph
– Speeding in excess of 80 mph when posted limit is 70 mph or greater
– Driving by a person under 21 after consuming alcohol or drugs
3 Points – Each at-fault accident that results in bodily injury (in excess of $1,800.00), death, or total property damage (including the insured’s property) of $3,000.00 more
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 a speed zone of 55 mph 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 less than $3,000.00
1 Point – Speeding 10 mph or less in excess of a speed limit of less than 55 mph*
– Each at-fault accident that results in total damage of $1,800.00 less*
– Any other moving violation*
Points are not assigned for these violations unless the same driver has been convicted of at least one other moving violation during the experience period (the last three years)
0 Points – Speeding 10 mph or less in excess over the posted speed limit provided the violation did not occur in a school zone and there is not another moving violation for the experience period (an isolated PJC will not count as a prior conviction for the purpose of this exception)