North Carolina

North Carolina has two point systems for driving infractions: DMV points and insurance points. DMV points are only applied to your driver’s license and affect whether you will keep your driving privileges. Insurance points directly affect your insurance premiums by a mathematical formula. The two systems are different, making the point values differ for the same infraction.

DMV Points

The chart below shows the assignment of DMV points for each driving offense.

Please note that these point values are based on a Class C license, not a Commercial Drivers License.

The following are grounds for suspension of your driver’s license:

• Accumulate 12 or more DMV points
• Accumulate 8 or more DMV points within 3 years after license reinstatement from suspension/revocation
• Speeding 16 m.p.h. or more over speed limit when ticketed speed exceeds 55 m.p.h.
• Speeding 76 m.p.h. or more when the speed limit is less than 70 m.p.h.
• Speeding 81 m.p.h. or more when the speed limit is 70 m.p.h.
• Conviction of 2+ speeding charges (including reckless driving) within 1 year if speed is 56 m.p.h. or more

If you have a North Carolina driver’s license, you may view your number of DMV points by obtaining your driving record here.

Insurance Points

The chart below shows the assignment of insurance points for each driving offense.

*Points are not assigned for these violations unless the same driver has been convicted of at least one other moving violation during the last 3 years, unless in a school zone.

Insurance Increase

The chart below shows the rate of increase for each insurance point assigned.