Cost of A Ticket

“Insurance Company, news flash, nobody’s perfect!”  This line from an insurance commercial sounds forgiving enough….but not so quick.  You are about to get smacked big time for being “imperfect” for up to 3 years.  Let’s take a look at how much your auto insurance will go up because of a traffic ticket:

If the Base Rate of your Insurance (without any tickets) is $500, then:

                         % RATE               NEW
POINTS             INCREASE*       AMOUNT

1                               30%                 $650
2                               45%                 $725
3                               60%                 $800
4                               80%                 $900
5                              100%               $1000
6                              135%               $1175
7                              165%               $1325
8                              195%               $1475
9                              225%               $1625
10                            260%               $1800
11                            300%               $2000 12                            340%               $2200

*From the NCDOI

                         % RATE               NEW
POINTS             INCREASE*       AMOUNT

1                               30%                 $650
2                               45%                 $725
3                               60%                 $800
4                               80%                 $900
5                              100%               $1000
6                              135%               $1175
7                              165%               $1325
8                              195%               $1475
9                              225%               $1625
10                            260%               $1800
11                            300%               $2000 12                            340%               $2200

*From the NCDOI

12 Points
  • Manslaughter or negligent homicide
  • Prearranged highway racing or knowingly lending a vehicle for pre-arranged highway racing
  • Hit-and-run resulting in bodily injury or death
  • Driving with a blood-alcohol level or .08 or more
  • Driving commercial vehicle with a blood-alcohol level of .04 or more
  • Driving while impaired
  • Transporting illegal intoxicating liquor for sale
10 Points
  • Highway racing or knowingly lending motor vehicle for highway racing
  • Speeding to elude arrest
8 Points
  • Driving during revocation or suspension of license or registration
  • Aggressive driving
4 Points
  • Reckless driving
  • Hit-and-run resulting in property damage only
  • Passing a stopped school bus
  • Speed in excess of 75 mph when the speed limit is less than 70 mph
  • Speeding in excess of 80 mph when the speed imit is 70 mph or greater
  • Driving by a person less tan 21 after consuming alcohol or drugs
3 Points

At-fault accident resulting in death, or bodily
injury (to all persons) in excess of $1,800;  OR resulting in total property damage to insured’s own property) of $3,000 or more.

2 Points
  • Illegal passing
  • Following too closely
  • Driving on wrong side of the road
  • At-fault accident resulting in total propertydamage (including damage to Insured’s own property) in excess of $1,800 but less than $3,000
  • Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph or greater
1 Points
  • All other moving violations
  • At-fault accident resulting in bodily injury (to all persons) of $1,800 or less; OR resulting in property damage (including damage to insured’s own property) or $1800 or less
  • Speeding 10 mph or less in excess of speed limit of less than 55 mph

See our Traffic Offenses page for ways to potentially mitigate the affect of a ticket on your insurance.

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