Video Guide
See the 2026 Changes Explained
Bill breaks down exactly what these new rules mean for your wallet.
Watch the Full Breakdown
Click to Play Official Video Guide
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.
Calculate NowThree updates that make a single ticket cost more than ever.
5 YEARS
Lookback Period
Convictions of 4+ points now follow you for 60 months — up from just 36.
1 PER HOME
PJC Waiver Limit
Only one waived PJC per household every 5 years. Don’t burn it on a minor ticket.
$2,300
Damage Threshold
A 1-point surcharge now triggers at just $2,300 in damage (Oct 2025 update).
Bill breaks down exactly what these new rules mean for your wallet.
Watch the Full Breakdown
Click to Play Official Video Guide
SDIP Points
0
Rate Spike
+0%
New Estimated Yearly Premium
$0.00
+$0/yr • +$0/mo
Total Extra Cost Over 5 Years
$0
*** Add a violation above to see your long-term cost ***
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.
“PJC is a 3-Year Waiver.”
“A Driving Class Removes 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.
