Driver's License Points

Drivers convicted of certain motor vehicle violations in North Carolina are subject to points placed on their driving records. If a driver accumulates 12 points within a three-year period, his license may be suspended. (Accumulating eight points within the three-year period following reinstatement of one's license can also result in suspension.)

If the driver's license is suspended for points, it may be taken for:

  • 60 days for the first suspension
  • 6 months for the second
  • 12 months for the third

When driving privileges are reinstated, all previous driver's license points are canceled.

Driver's License points are given for the following offenses (note that if you are driving a commercial vehicle, points are assessed differently):

Insurance Points Check List

If the driver is convicted of more than one violation arising from the same accident he will receive points for each violation.

Point Value:Conviction:
12 pointsManslaughter or negligent homicide
12 pointsPre-arranged highway racing or lending a car for such purpose
12 pointsDriving with a BAC of .08% or more
12 pointsDriving a commercial vehicle with a BAC of .04% or more
12 pointsHit and run driving involving bodily injury or death
12 pointsTransporting illegal intoxicating liquor
10 pointsHighway racing or lending a vehicle for such purpose, where the race is not pre-arranged
10 pointsSpeeding to elude arrest (at any speed)
8 pointsDriving during a period of revocation or suspension of license or registration
4 pointsHit and run driving involving property damage only
4 pointsReckless driving
4 pointsPassing a stopped school bus while it displayed warning signs
4 pointsSpeeding in excess of 75 mph where posted is less than 70 mph
4 pointsSpeeding in excess of 80 mph where posted speed is 70 mph or greater
4 pointsDriving after consuming alcohol or drugs where driver is less than 21 years of age
2 pointsIllegal passing
2 pointsFollowing too closely
2 pointsDriving on wrong side of road
2 pointsSpeeding more than 10 mph over posted speed limit, where driver's speed was in excess of 55 mph but less than 75 mph
2 points

Speeding 10 mph or less in a posted speed zone of 55 mph or greater *

* These points will not apply if driver has had no other moving traffic violations during the experience period (preceding three years). If driver enjoys this waiver, and then is convicted on another moving violation within 3 years, he gets the points both from the new conviction and the waived conviction. This waiver will not apply to speeding in a school zone. PJC does not count as a conviction and void this waiver

2 points

Speeding 10 mph or less where the posted speed is less than 55 mph **

** These points will not apply if driver has had no other moving traffic violations during the experience period (preceding three years). If driver enjoys this waiver, and then is convicted on another moving violation within 3 years, he then gets the points both from the new conviction and the waived conviction. This waiver will not apply to speeding in a school zone. PJC does not count as a conviction and void this waiver.

2 points

Any other conviction of a moving violation ***

*** Improper brakes is a moving violation and will generate 1 point

A PJC will not cause any insurance points to apply if there have been no previous PJCs for the insured household in the previous 3 years. The household would include any licensed driver residing in the home at the time of the accident. A PJC can be had every three years. A second PJC within three years will cause the first conviction's points to go into effect, along with the points from the new PJC. This is only as to insurance points.

Points for Accidents:

Point Value:Type of Accident:
Major Accident
3 pointsAt-fault accident causing $2500 or greater in property damage
At-fault accident causes in excess of $1500 in bodily injury
Intermediate Accident
2 pointsAt-fault accident causing property damage only between $1500 and $2500
Minor Accident
1 pointAt-fault accident causing property damage of $1500 or less or bodily injury of less than $1500

There is a waiver of points for "minor" accidents where there is only property damage, no conviction of a moving traffic offense, and no licensed operators in the insured household has had any at-fault accidents in the previous three years. The waiver will not operate if there is any bodily injury.

Safe Driver Insurance Plan (SDIP):

The safe driver insurance plan (SDIP) represents an attempt to reflect in automobile insurance rating the idea that drivers who have violated motor vehicle laws or who have caused accidents are more likely to be involved in automobile accidents in the future.

Upon conviction of certain traffic offenses, insurance points are assigned to a driver, and based upon the number of points, the total premium for all insurance coverage (except UM/UIM) is surcharged.

Surcharge Based on the Number of Points:

SDIP Points:Percentage Surcharge:
1 point25%
2 points45%
3 points65%
4 points90%
5 points120%
6 points150%
7 points180%
8 points220%
9 points260%
10 points300%
11 points350%
12 points400%


The information presented herein is for information only and is not legal advice.