Safe Driver Incentive Plan

Driving safely saves lives and money. The North Carolina Safe Driver Incentive Plan (SDIP) was created by state law to give drivers a financial incentive to practice safe driving habits. SDIP points are charged as follows for convictions and at-fault accidents occurring during the Experience Period (the three-year period preceding either the date an individual applies for coverage or the insurance company prepares to renew an existing policy). 

Safe Driver Incentive Plan (Insurance Points)

SDIP

Points

Convictions & At Fault Accidents Points

% of Rate Increase

1
  • All other moving violations.
  • Speeding 10 mph or less over a speed limit under 55 mph.
  • 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) of $1,850 or less. Accidents that occur on or after October 1, 2017, resulting in total property damage (including the insured’s own) of $2,300 or less.
  • No Insurance Points will apply for bodily injury if medical costs were incurred solely for diagnostic purposes.
30%
2
  • Illegal passing.
  • Following too closely.
  • Driving on wrong side of the road.
  • At-fault accidents that occur on or after March 1, 2016 and prior to October 1, 2017, resulting in total property damage (including damage to insured’s own property) over $1,850 but under $3,085. Accidents that occur on or after October 1, 2017, resulting in total property damage (including damage to insured’s own property) over $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.
45%
3
  • 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 $3,085 or more. Accidents that occur on or after October 1, 2017, that result in total damage to all property, (including the insured’s own), of $3,850 or more.
  • No Insurance Points will apply for bodily injury if the medical costs were incurred solely for diagnostic purposes
60%
4
  • 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.
80%
8
  • Driving during revocation or suspension of license or registration.
  • Aggressive driving.
195%
10
  • Highway racing or knowingly lending a motor vehicle for highway racing.
  • Speeding to elude arrest.
260%
12
  • 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%

 

SDIP