The NC Point System

By now you’ve probably heard a lot about “NC points.” But what are NC points? And why does it matter?  The phrase NC points is slightly a misnomer. In North Carolina, convictions for traffic violations can result in two different types of points: DMV points (points on your driver’s license) and insurance points (points that make your insurance rate increase). Generally, when a person is convicted of a traffic violation they are punished with both insurance and DMV points. If you’ve ever wondered how many points a speeding ticket is or how a traffic ticket might affect your insurance then look no further!

How do DMV points affect my NC driver’s license?

  • Your NC driver’s license will be suspended if:
    • You accumulate 8 points or more in the 3 years following a license suspension OR
    • You accumulate 12 points or more in 3 years
  • The length of the suspension is determined by the number of suspensions you’ve previously had.
    • Generally, the length of suspension is as follows:
      • First suspension: 60 days maximum
      • Second suspension: 6 months maximum
      • Any subsequent suspensions: 1 year

 

How do insurance points affect my insurance rates?

  • 1 point: 30% increase
  • 2 points: 45% increase
  • 3 points: 60% increase
  • 4 points: 80% increase
  • 8 points: 195% increase
  • 10 points: 260% increase
  • 12 points: 340% increase

NC DMV and Insurance Points (including, but not limited to):

  • Littering while driving: 1 DMV point; 1 insurance point
  • Speeding (10 mph or less over limit when speed limit is less than 55): 2 DMV points; 1 insurance point
  • Speeding (10 mph or less over limit when speed limit is greater than 55): 2 DMV points; 2 insurance points
  • Speeding in a school zone: 3 DMV points, generally; insurance points depend on speed
  • Speeding over 55 mph: 3 DMV points; insurance points depend on speed
  • Speeding (80 mph or higher when limit is 70 mph or higher): 3 DMV points; 4 insurance points
  • Speeding (75 mph or higher when limit is less than 70 mph): 3 DMV points; 4 insurance points
  • At fault accident (property damage > $1,800, but < $3,000): 3 DMV points; 2 insurance points
  • Failing to report an accident (where required): 3 DMV points
  • Lack of liability car insurance: 3 DMV points
  • Failing to stop for siren: 3 points; 1 insurance point
  • Running a:
    • Red light: 3 DMV points; 1 insurance point
    • Stop sign: 3 DMV points; 1 insurance point
  • Failing to yield right-of-way to another vehicle: 3 DMV points; 1 insurance point
  • Failing to yield right-of-way to a pedestrian: 4 DMV points; 1 insurance point
  • Driving on the wrong side of the road: 4 DMV points; 2 insurance points
  • Following too closely behind another car: 4 DMV points; 2 insurance points
  • Hit and run with property damage: 4 DMV points; 4 insurance
  • Reckless driving: 4 DMV points; 4 insurance points
  • Aggressive driving: 5 points; 8 insurance points
  • Passing a stopped school bus: 5 points; 4 insurance points
  • Driving while revoked or suspended: licensed suspended; 8 insurance points
  • Speeding to elude arrest: license revoked, 10 insurance points
  • Highway racing: license revoked; 10 insurance points
  • DWI: license revoked; 12 insurance points
  • Manslaughter/negligent homicide: license revoked; 12 insurance points
  • Prearranged racing: License revoked; 12 insurance points
 
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