NC Insurance Points and Your Rate

To reward safe drivers with the lowest possible insurance rates, North Carolina has the Safe Driver Incentive Plan. SDIP points are charged to drivers who are convicted of moving traffic violations and drivers who cause accidents, and with each point, the driver's insurance rates go up.


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% $1,080
11 300% $1,200
12 340% $1,320

* Click here to see SDIP Point Charge per Ticket or Accident



* View NC Safe Driver Incentive Plan