NC DMV Point System - Speeding Tickets - Stowe Law Firm, PLLC
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Se Habla Español Initial Consultation 704-216-1950 MENU Stowe Law Firm, PLLC 129 N. Main St Salisbury, NC 28144 704-216-1950 704-368-3140 Menu Home › Practice Areas › Speeding Tickets › NC DMV Point System The NC DMV Point System 
By now you’ve probably heard a lot about “NC points.” But what is the NC point system? And why does it matter? The phrase NC points is slightly a misnomer. In North Carolina, convictions for traffic violations can result in two different types of point under the point system: DMV points (points on your driver’s license) and insurance points (points that make your insurance rate increase). Generally, when a person is convicted of a traffic violation they are punished under the point system with both insurance and DMV points. If you’ve ever wondered how many points a speeding ticket is or how a traffic ticket might affect your insurance then look no further! Please pay particular attention to how a DWI impacts your insurance.
How do DMV points affect my NC driver’s license?
Your NC driver’s license will be suspended if:
- You accumulate 8 points or more in the 3 years following a license suspension OR
- You accumulate 12 points or more in 3 years
The length of the suspension is determined by the number of suspensions you’ve previously had. Generally, the length of suspension is as follows:
- First suspension: 60 days maximum
- Second suspension: 6 months maximum
- Any subsequent suspensions: 1 year
How do insurance points affect my insurance rates?
- 1 point: 30% increase
- 2 points: 45% increase
- 3 points: 60% increase
- 4 points: 80% increase
- 8 points: 195% increase
- 10 points: 260% increase
- 12 points: 340% increase
NC DMV and Insurance Points (including, but not limited to):
| Offense | NC DMV Points | Insurance Points |
| Improper Equipment | 0 DMV Points | 0 Insurance Points |
| Failure to Notify The DMV of an Address Chnage | 0 DMV Points | 0 Insurance Points |
| Littering while driving | 1 DMV Point | 1 Insurance Point |
| Speeding (10 mph or less over limit when speed limit is less than 55 | 2 DMV Points | 1 Insurance Point |
| Speeding (10 mph or less over limit when speed limit is greater than 55) | 2 DMV Points | 2 Insurance Points |
| Speeding in a school zone | 3 DMV Points, generally | Insurance Points Depend on Speed |
| Speeding over 55 mph | 3 DMV Points | Insurance Points Depend on Speed |
| Speeding (80 mph or higher when limit is 70 mph or higher) | 3 DMV Points | 4 Insurance Points |
| Speeding (75 mph or higher when limit is less than 70 mph) | 3 DMV Points | 4 Insurance Points |
| At fault accident (property damage > $1,800, but < $3,000) | 3 DMV Points | 2 Insurance Points |
| Failing to report an accident (where required) | 3 DMV Points | |
| Lack of liability car insurance | 3 DMV Points | |
| Failing to stop for a siren | 3 DMV Points | 1 Insurance Point |
| Running a red light | 3 DMV Points | 1 Insurance Point |
| Running a stop sign | 3 DMV Points | 1 Insurance Point |
| Failing to yield right-of-way to another vehicle | 3 DMV Points | 1 Insurance Point |
| Failing to yield right-of-way to a pedestrian | 4 DMV Points | 1 Insurance Point |
| Driving on the wrong side of the road | 4 DMV Points | 2 Insurance Points |
| Following too closely behind another car | 4 DMV Points | 2 Insurance Points |
| Hit and run with property damage | 4 DMV Points | 4 Insurance Points |
| Reckless driving | 4 DMV Points | 4 Insurance Points |
| Aggressive driving | 5 DMV Points | 8 Insurance Points |
| Passing a stopped school bus | 5 DMV Points | 4 Insurance Points |
| Driving while revoked or suspended | License Suspended | 8 Insurance Points |
| Speeding to elude arrest | License Revoked | 10 Insurance Points |
| Highway racing | License Revoked | 10 Insurance Points |
| DWI | License Revoked | 12 Insurance Points |
| Manslaughter/negligent homicide | License Revoked | 12 Insurance Points |
| Prearranged racing | License Revoked | 12 Insurance Points |
Never pay off a citation without consulting a licensed North Carolina traffic attorney.
If you have any questions about your driving record or your options after receiving a traffic citation contact us today for a free consultation!
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Ryan Stowe is the managing attorney at Stowe Law Firm, PLLC. Mr. Stowe is proud to be practicing in his hometown of Salisbury, NC, and is a first generation Rowan County attorney. Mr. Stowe takes pride in being a criminal defense attorney. He focuses…
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