A List of insurance points and how the points will affact the cost of insurance for teens and adults

As any responsible driver knows, it's crucial for you to drive as safely as you can in order to protect yourself, your passengers and your fellow

drivers. But did you know that safe driving can also protect your wallet, too?

North Carolina's Safe Driving Incentive Plan (or"SDIP") was created in 1957, to give North Carolina drivers a financial incentive to drive safely on

our state's roads. For 50 years now, automobile insurance companies have been allowed to charge higher premiums--in some cases, up to 400

percent higher--for drivers who have violated traffic laws by practicing unsafe driving habits such as speeding, following too closely, passing a

stopped schooled school bus or driving while impaired.

SDIP Points

Convictions and At-Fault Accidents

Prearranged highway racing or lending a car for prearranged highway racing

Hit-and-run resulting in bodily injury or death

Driving with a blood-alcohol level of .08 or more

Driving commercial vehicle with a blood-alcohol level of .04 or more

Driving while impaired

Transporting illegal intoxicating liquor for sale

Highway racing or lending a car for highway racing

Speeding to elude arrest

Driving during revocation or suspension of license or registration

Aggressive driving

Reckless driving

Hit-and-run resulting in property damage only

Passing a stopping school bus

Speeding in excess of 75 mph when the speed limit is less than 70 mph

Speeding in excess of 80 mph when the speed limit is 70 mph or greater

Driving by a person less than age 21 after consuming alcohol or drugs

At-fault accident that occurs before Jan. 1, 2004 resulting in death, or bodily injury in excess of

$1,500 or property damage or $2,500 or more

At-fault accident on or after Jan. 1 2004, resulting in death, or bodily injury in excess of $1,800 or

property damage or $3,000 or more

Illegal passing

Following too closely

Driving on wrong side of the road

At-fault accident that occurs before Jan. 1, 2004, resulting in property damage

in excess of $1,500, but less than $2,500

At-fault accident that occurs on or after Jan. 1 2004 resulting in property

damage in excess of $1,800, but less than $3,000

Speeding more than 10 mph over the speed limit provided the total speed is in

excess of 55 mph, but less than 76 mph

Speeding 10 mph or less in excess of speed zone of 55 mph or greater

All other moving violations

At-fault accident that occurs before Jan. 1 2004 resulting in bodily injury of $1,500 or less or

property damage of $1,500 or less

At-fault accident that occurs on or after Jan. 1 2004 resulting in bodily injury of $1,800 or less or

property damage of $1,800 or less

Speeding 10 mph or less in excess of the speed limit of less than 55 mph

Insurance Point Will Cost You Money

Points	% of Rate Increase	Cost if Basic Rate is $1,000	Points	% of Rate Increase	Cost If Basic Rate is $1,000
1	25%	$1,250	7	160%	$2,600
2	45%	$1,450	8	190%	$2,900
3	60%	$1,600	9	225%	$3,250
4	80%	$1,800	10	260%	$3,600
5	105%	$2,050	11	300%	$4,000
6	130%	$2,300	12	340%	$4,400

A list of insurance points and how the points will affact the cost of insurance fof teens and adults

Insurance Points