Insurance Points

NOTE: A conviction for a traffic violation can result in two types of points for a motorist. The first is motor vehicle points, which are accessed by the DMV and the second are insurance points assessed by the rate commission. The insurance points are listed below.


  • 12 Points
    • Manslaughter (or negligent homicide) resulting from the operation of a motor vehicle. (felony)
    • Prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race. (Felony)
    • Failure to stop and render aid when involved in an accident resulting in bodily injury or death (hit-and-run driving) (Felony)
    • 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). (Misdemeanor)
    • Transportation of intoxicating liquors for the purpose of sale. (Misdemeanor)


  • 10 Points
    • Highway racing (not prearranged) or knowingly lending a motor vehicle to be used in the race.
    • Speeding to Elude


  • 8 Points
    • Operating a motor vehicle during a period of revocation or suspension of either the driver's license or vehicle registration. (Misdemeanor)


  • 4 Points
    • Failure to stop and report when involved in a motor vehicle accident resulting in property damage only (hit-and-run). (Misdemeanor)
    • Reckless driving. (Misdemeanor)
    • Passing a stopped school bus.
    • Speeding in excess of 75 miles per hour (mph) when posted limit is less that 70 mph. (Misdemeanor)
    • Speeding in excess of 80 mph when limit is 70 mph or greater
    • Driving by a person under 21 after consuming alcohol or drugs


  • 3 Points 3-4-2005
    • Each at-fault accident that results in bodily injury (in excess of $ 1800.00) or death or total property damage (including the insured's property) of $ 3000.00 or 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 limit in speed zone of 55 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 but less than $ 3000.00 3-4-2005


  • 1 Point
    • Speeding 10 mph or less in excess of a speed limit of less than 55 mph*
    • Any other moving violation.
    • Each at-fault accident that results in total damage of $ 1,800.00 or less * 3-4-2005


*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).


The number of insurance points a driver receives will determine the surcharge which will be added to their insurance costs. See the surcharge table below:


Insurance Surcharge Table


  • One 25%
  • Two 45%
  • Three 65%
  • Four 90%
  • Five 120%
  • Six 150%
  • Seven 180%
  • Eight 220%
  • Nine 260%
  • Ten 300%
  • Eleven 350%
  • Twelve 400%


Cabarrus Regrional North Carolina Bar Association Cabarrus County Bar Association North Carolina State Bar National Association of Criminal Defense Lawyers