The North Carolina Department of Insurance regulates the insurance rates in North Carolina. An insured’s rate will be surcharged based on the number of insurance points that they receive during a three (3) years experience period. The following are the surcharges that will be assessed against an insured based on the number of insurance points received:
| One Point | 25% | Five Points | 105% | Nine Points | 225% |
| Two Points | 45% | Six Points | 130% | Ten Points | 260% |
| Three Points | 60% | Seven Points | 160% | Eleven Points | 300% |
| Four Points | 80% | Eight Points | 190% | Twelve Points | 340% |
The North Carolina Department of Insurance has listed the following as traffic offenses that will cause an insured to receive insurance points:
|
Insurance Points |
Convictions and At-fault Accidents |
|
12 |
Manslaughter or negligent homocidePrearranged highway racing or lending a car for prearranged highway racing
Hit-and-run resulting in bodily injury or death Driving with a blood-alcohol level of .08 or more Driving commercial vehicle with a blood-alcohol level of .04 or more Driving while impaired Transporting illegal intoxicating liquor for sale |
|
10 |
Highway racing or lending a car for highway racingSpeeding to elude arrest |
|
8 |
Driving during revocation or suspension of license or registrationAggressive driving |
|
4 |
Reckless drivingHit-and-run resulting in property damage only
Passing a stopped school bus 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 Driving by a person less than age 21 after consuming alcohol or drugs |
|
3 |
At-fault accident resulting in death, or total bodily injury (to all persons) in excess of $1,800; OR resulting in total property damage (including damage to insured’s own property) of $3,000 or more |
|
2 |
Illegal passingFollowing too closely
Driving on wrong side of the road At-fault accident resulting in total property damage (including damage to insured’s own property) in excess of $1,800 but less than $3,000 Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less than 76 mph Speeding 10 mph or less in excess of speed zone of 55 mph or greater |
|
1 |
All other moving violationsAt-fault accident resulting in bodily injury (to all persons) of $1,800 or less; OR resulting in property damage (including damage to insured’s own property) of $1,800 or less
Speeding 10 mph or less in excess of speed limit of less than 55 mph |
|
0 |
An accident if there is property damage only, the damage is $1,500 or less, there is no conviction for a moving violation in connection with the accident, and no licensed operators in the household have convictions or at-fault accidents during the experience period (An insurance company may require that the insured be covered by the company for six continuous months).Speeding 10 mph or less over the posted speed limit provided that the violation did not occur in a school zone, and there is not another moving violation for the experience period (an isolated Prayer for Judgment Continued will not count as a prior conviction for the purpose of this exception).
One PJC for each household every three years assuming that a second PJC is not charged. |
