How will my ticket affect my insurance?

That’s a great question.  One of the worst consequences of a traffic ticket conviction is the affect it has on your car insurance.  Each type of traffic conviction has its own number of points that come along with it.  In North Carolina the more insurance points you have the more expensive your car insurance will be.  As you can see from the chart below, the insurance premiums add up quickly depending on the number of points you have on your driving record.

For example, say you have no insurance points on your driving record before you get a ticket for careless and reckless driving.  As you can see from the first chart, careless and reckless driving will add 4 points to your driving record if you’re convicted of it.  Looking at the second chart, if you do get convicted of careless and reckless driving then your monthly insurance premium will go from $200 a month to $360 a month.

Traffic Conviction

Insurance Points
Speeding 10 mph or less over limit when limit is less than 55

1
Failure to yield right of way

1
Failure to stop for stop sign or red light

1
Speeding 10 or less over limit when limit is 55 or more

2
Speeding greater than 10 over limit when speed is greater than 55 and less than 76

2
Illegal passing

2
Following too closely

2
Driving on wrong side of road

2
Speeding in a work or school zone

Depends on speed
Speeding 76 or more when limit is less than 70

4
Speeding 81 or more when limit is 70

4
Careless and reckless driving

4
Aggressive driving

8
Driving while driver’s license is revoked

8
Driving while impaired

12

Insurance Points

% Rate Increase

New Cost per Month of Insurance Assuming $200 per Month Before Conviction

1

 30% $260

2

 45% $290

3

 60%

$320

4

80%

$360

5

 110%

$420

6

 135%

$470

7

 165% $530

8

 195%

$590

9

 225% $650

10

 260%

$720
11 300%

$800

12

 340%

$880