North Carolina has a Safe Driver Incentive Plan (SDIP), which gives North Carolina drivers a financial incentive to drive safely on our state’s roads. SDIP allows automobile insurance companies to charge higher premiums for drivers who have violated traffic laws.

Drivers who are convicted of moving traffic violations and/or who cause accidents will be charged higher premiums in accordance with their driving records.

SDIP points are charged as follows for convictions and at-fault accidents occurring during the three year period preceding policy application or renewal:

SDIP Points Convictions And At-fault Accidents Points
12
  • Manslaughter or negligent homicide
  • Prearranged 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 racing
  • Speeding to elude arrest
8
  • Driving during revocation or suspension of license or registration
  • Aggressive driving
4
  • Reckless driving
  • Hit-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 passing
  • Following 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 violations
  • At-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

*No insurance points will apply for bodily injury if the insured furnishes proof that the medical costs were incurred solely for diagnostic purposes.

Insurance Points Will Cost You Money
Points % Of Rate Increase Cost If Basic Rate Is $300
1 30% $390
2 45% $435
3 60% $480
4 80% $540
5 110% $630
6 135% $705
7 165% $795
8 195% $885
9 225% $975
10 260% $1080
11 300% $1200
12 340% $1320

If you have questions concerning your driving record, driving record points, or insurance points, please do not hesitate to contact Adkins Law to speak with a traffic lawyer. An experienced traffic lawyer at Adkins Law can explain how these points are calculated, how they affect you, and how to best defend against any pending traffic matters.