Traffic and Insurance Points in North carolina
Two Kinds of PointsThere are two separate point systems that apply to traffic cases. There are driver's license points and insurance points. Driver's license points result from convictions of moving violations. If you get 12 driver's license points your license will be suspended.
Insurance points are another matter. Just one insurance point will cause your insurance rates to increase 25% for three years. The charging of higher rates for people with traffic convictions is part of North Carolina's Safe Driver Incentive Plan.
Insurance Points for Various OffensesThere is a link below to a chart that lists how many insurance points apply to each type of conviction and the resulting insurance rate increase. For example, the chart indicates that "Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less than 76 mph" would result in two insurance points, and a 45% increase in your insurance rates for three years.
Minimizing or Eliminating Insurance IncreasesIf you have been charged with a traffic ticket in North Carolina you can often get the charge reduced to an offense that will not cause your insurance to go up at all, or at least not as much. For example, a person charged with speeding 68 mph in a 55 mph zone would get two insurance points (and a 45% insurance rate increase) if he pleaded guilty as charged. However, if that driver got the ticket reduced to 64 mph in a 55 mph zone, there would be no insurance increase as long as the violation was not in a school zone and he has not had any other tickets in the past three years.