The Safe Driver Insurance Plan (SDIP) establishes rates for drivers based on their accident histories and moving violation convictions. See N.C.G.S. § 58-36-65 and N.C.G.S. § 58-36-75.
12 Points
► Vehicular Manslaughter (or negligent homicide)
► Prearranged highway racing or aiding and abetting same
► Hit and Run Driving resulting in bodily injury or death
► Driving While Impaired
► Transporting intoxicants for sale
10 Points
► Highway Racing or aiding and abetting same
► Speeding to Elude Arrest
8 Points
► DWLR or Driving While Vehicle Registration Revoked
4 Points
► Hit and Run resulting in property damage
► Reckless Driving
► Passing a Stopped School Bus
► Speeding >75 MPH when posted limit is <70 MPH
► Speeding >80 MPH when posted limit is ≥70 MPH
► Driving After Consuming <21
2 Points
► Illegal Passing
► Speeding >10 MPH over limit and >55 MPH and <76 MPH
► Speeding ≤10 MPH over limit in ≥55 MPH zone
► Following Too Closely
► Driving on the Wrong Side of the Road
1 Point
► Speeding ≤10 MPH over limit in < 55 MPH zone* [excluding school zones]
► Any other Moving Violation [including Exceeding Safe Speed; NOL; Failure to Yield to a Pedestrian]
No Points
► Improper Equipment, Failure to Display Registration or Inspection or License
* No points are assessed if the driver has no other moving violations during the 3 year experience period. See N.C.G.S. § 58-36-75(f).
Points are given for the following moving violation offenses pursuant to
N.C.G.S. § 20-16(c):
Conviction |
Point Value |
Passing a stopped school bus loading or unloading children (NO PJCs) |
5 |
Aggressive driving |
5 |
Reckless driving |
4 |
Hit and run, property damage only |
4 |
Following too closely |
4 |
Driving on wrong side of road |
4 |
Illegal passing |
4 |
Failure to yield right-of-way to pedestrian pursuant to GS 20-158(b)(2)b. |
4 |
Failure to yield right-of-way to bicycle motor scooter, or motorcycle |
4 |
Running through stop sign |
3 |
Speeding more than 55 mph |
3 |
Speeding through a school zone |
3 |
Failure to yield right of way |
3 |
No driver license or license expired more than one year |
3 |
Running through red light |
3 |
Failure to stop for siren |
3 |
Speeding through safety zone |
3 |
Failure to report accident where such report is required |
3 |
No liability insurance |
3 |
All other moving violations |
2 |
Littering involving a motor vehicle |
1 |