Moving Violations in NC Significantly Increase Insurance Rates

Making bad decisions related to driving, especially choosing to get behind the wheel of a car while inebriated, is going to cost you more in North Carolina than in other states. While moving violations will certainly increase your insurance rates in any state in the US, here in North Carolina, consumers are hit the hardest for certain violations. commissioned a study this year that reviewed rate increases across the US for both minor infractions—such as not signaling, driving without a license, and driving in the carpool lane—and more serious infractions—such as speeding 31 miles per hour or more over the speed limit, reckless driving, and DUIs (driving under the influence). 

    In fact, in 14 out of the 17 moving violations reviewed by, North Carolina’s rates were either first- or second-highest among the states. While across the nation, the average premium increase for a DUI is 92.49 percent, in North Carolina, one’s premium will increase nearly four times the national average: by 337.14 percent! For reckless driving, your premium in North Carolina will increase by an average of 94.36 percent (compared to a national average of 83.29 percent), and for speeding 31+ miles per hour over the speed limit, it will increase by around 48.82 percent (compared to a national average of 29.26 percent). 

    While the insurance point system is not identical to the DMV’s point system in our state, reducing your points or preventing the addition of points will certainly help to reduce or maintain your insurance premium. If you have been charged with a traffic violation in Mocksville, Salisbury, or Lexington, and would like to speak with an experienced traffic attorney about your situation, please contact one of our offices today. 

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