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The 2026 NC SDIP Points Calculator. See your dollar impact instantly.
Enter your current premium and violations below to calculate your estimated surcharge under the NC Safe Driver Incentive Plan.
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SDIP Points
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Rate Spike
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Estimated 2026 Yearly Cost
$0.00
*** Estimated Yearly Cost (Subject to Carrier) ***
Even with surcharges, an independent agent can shop multiple carriers to find you the best rate. We compare so you don't have to.
Don't fall for these common NC insurance misconceptions.
Is PJC a 3-Year Waiver?
Does a Driving Class Remove Insurance Points?
Answers to the most common NC SDIP questions.
Under official NC SDIP Rule 5.B.1.a, you are charged for the highest point violation only in a single stop. For example, if you get a speeding ticket (2 pts) and an illegal passing ticket (2 pts) at the same time, you only receive 2 points total.
No. In North Carolina, a seatbelt violation is a non-moving violation for insurance purposes. It will not trigger an SDIP surcharge on your policy.
Yes. SDIP points are applied to the policy, not just the driver. The surcharge is assigned to the most expensive vehicle on the policy regardless of who was driving.
No. Parking tickets are non-moving violations. NC SDIP only tracks moving traffic violations and at-fault accidents. Your premium is safe.
As of July 2025, convictions of 4 or more points now have a 5-year (60-month) lookback period, up from the previous 3 years. Minor violations with fewer points may still use a shorter lookback period depending on the carrier.
More tools to help you understand your NC auto insurance.
