Insurance Points

North Carolina motorist are assessed two different types of points: (1) insurance points and (2) license points. Among other factors, insurance points are accumulated during the past three years for moving violations and accidents. North Carolina drivers will be assessed insurance points if convicted of a moving violation or if they are found to be at fault in an accident during a three year period. The three-year period is determined based upon the date of application or preparation of renewal of your insurance policy.

Each household may receive one PJC (Prayer for Judgment Continued) and one conviction for speeding 10 mph or less (not in a school zone) above the speed limit every three years without it counting as a conviction. Use of a second PJC within that three-year period will raise your insurance on both the original and new conviction. The same applies to a second conviction of speeding 10 mph or less (or more) over the speed limit.

More information regarding insurance points and rate increases, please review “A Consumer’s Guide to Insurance Points” published by the North Carolina Department of Insurance.

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
5 110% $630
6 135% $705
7 165% $795
8 195% $885
9 225% $975
10 260% $1,080
11 300% $1,200
12 340% $1,320