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How Insurance
Points Cost You Money
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| A motorist paying an annual
insurance premium of $300.00 will receive the following insurance rate
increase for three years based on insurance points: |
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|
Points
|
Rate
Increase
|
New
Rate
|
Points
|
Rate
Increase
|
New
Rate
|
|
1
|
25%
|
$375
|
7
|
180%
|
$840
|
|
2
|
45%
|
$435
|
8
|
220%
|
$960
|
|
3
|
65%
|
$495
|
9
|
260%
|
$1080
|
|
4
|
90%
|
$570
|
10
|
300%
|
$1200
|
|
5
|
120%
|
$660
|
11
|
350%
|
$1350
|
|
6
|
150%
|
$750
|
12
|
400%
|
$1500
|
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Number
of Insurance Point per Moving Violation (Conviction)
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Twelve Points |
- Manslaughter (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.
- Failure to stop and render
aid when involved in an accident resulting in bodily injury or death (hit-and-run
driving).
- Impaired driving, including
driving a vehicle while under the influence of an impairing substance;
driving a vehicle with an alcohol concentration of 0.08% or more;
and driving a commercial vehicle with an alcohol concentration of
0.04% or more (a revocation pursuant to G.S. 20-16.5 is not a conviction).
- Transportation of intoxicating
liquors for the purpose of sale.
|
Ten Points |
- Highway racing (not prearranged)
or knowingly lending a motor vehicle to be used in a race.
|
Eight Points |
- Operating a motor vehicle
during a period of revocation or suspension of either the driver's
license or vehicle registration.
|
Four Points |
- Failure to stop and report
when involved in a motor vehicle accident resulting in property damage
only (hit-and-run).
- Reckless driving.
- Passing a stopped school
bus.
- Speeding in excess of
75 miles per hour (mph).
|
Two Points |
- Illegal passing.
- Speeding more than 10
mph over the limit, provided total speed was in excess of 55 mph but
less than 76 mph.
- Speeding from 66 to 75
mph when the speed limit is 65 mph*.
- Speeding from 56 to 65
mph when the speed limit is 55 mph*.
- Following too closely.
- Driving on the wrong side
of the road.
|
One Point |
- Speeding 10 mph or less
in excess of speed limit of less than 55 mph*.
- 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 (last three years). |
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