Insurance Points

Insurance Points

Insurance points can cost you money over a 3 year period.

Points                                      Surcharge

One                                         30%

Two                                         45%

Three                                       60%

Four                                         80%

Five                                         110%

Six                                           135%

Seven                                      165%

Eight                                       195%

Nine                                        225%

Ten                                          260%

Eleven                                     300%

Twelve                                    340%


Twelve points

• Manslaughter (or negligent homicide) resulting from the operation of a motor


• 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 illegal intoxicating

liquors for the purpose of sale


Ten points

• Highway racing (not prearranged) or knowingly lending a motor vehicle to be

used in the race

• Speeding to elude arrest.


Eight points

• Operating a motor vehicle during a period of revocation of driver's license or registration

  • Aggressive Driving



Four points

• Reckless driving

• Hit & 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

• Some at fault accidents


Two points

• Illegal passing

• Speeding more than 10 mph over the limit, in excess of 55 mph but less than 76 mph

• Speeding from 66 to 75 mph when the 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

• Some at fault accidents


One point

• Speeding 10 mph or less in excess of speed limit of less than 55 mph

• Any other moving violation

• Some at fault accidents