NC Safe Driving Incentive Plan (SDIP)

The North Carolina Safe Driving Incentive Plan (SDIP) was created in 1957 by the NC Department of Insurance, to give NC drivers a financial incentive to drive safely.

SDIP functions with points, however, these are not to be confused with the more commonly known “Points on your license”. These points are added, when you are convicted of speeding, get a DUI, or get into an accident, among other things. One thing to keep in mind- when license points are not added, or removed, they may still be added or present on your SDIP MVR.

What Amount of Points Will Be Added For Violations?

Below is a table that shows the violation, and amount of points for the violation, as well as the percentage to which your insurance rate could increase.

SDIP Points

Convictions / Accidents

Percent of Rate Increase

12 Points

- Manslaughter or negligent homicide.

- Prearranged highway racing or knowingly lending a motor vehicle 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.

340%

10 Points

- Highway racing or knowingly lending a motor vehicle for highway racing.

- Speeding to elude arrest.

260%

8 Points

- Driving during revocation or suspension of license or registration.

- Aggressive driving.

200%

4 Points

- Reckless driving.

- Hit-and-run resulting in property damage only.

- Passing a stopped 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 higher.

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

90%

3 Points

- At-fault accident resulting in death or total bodily injury (to all persons) of more than $1,800; OR resulting in total property damage (including damage to insured’s own property) of $3,850 or more.

*No Insurance Points will apply for bodily injury if proven that the medical costs were incurred solely for diagnostic purposes.

70%

2 Points

- Illegal passing.

- Following too closely.

- Driving on wrong side of the road.

- At fault auto accident that results in total damage to all property, including the insured's own, in excess of $2,300 but less than $3,850.

- Speeding more than 10 mph over the speed limit at a total speed of more than 55 mph and less than 76 mph.

- Speeding 10 mph or less over the speed limit in a speed zone of 55 mph or higher.

55%

1 Point

- All other moving violations.

- Speeding 10 mph or less over a speed limit under 55 mph.
- At fault auto accident that results in total damage to all property, including the insured's own, of $2,300 or less.

*No Insurance Points will apply for bodily injury if proven that the medical costs were incurred solely for diagnostic purposes.

40%

How Long Will I Have Points?

Points last for 3 years, and will remain until the next renewal, after the 3 years is up, before it will stop affecting premium.

When are Points Not Charged?

An accident provided all the following are true:

-There is property damage only;

-The amount of damage is $2300 or less

-There is no conviction for a moving violation in connection with the accident

-No licensed operators in the household have convictions or at fault accidents during the experience period. (An insurance company may require the insured to be covered by that company for six consecutive months.