Auto insurance rate increased due to inflation
Incentive Plan (SDIP) Points – Surcharge Will be Applied for Five Years. Currently, when a driver is convicted of a moving traffic violation that results in insurance points, that driver’s policy receives a surcharge (which increases the policy premium) for three years. For certain convictions occurring on or after July 1, 2025 - specifically, convictions for which 4 or more insurance points are assigned under the SDIP, other than speeding in excess of the posted speed limit (speeding in excess of 75 mph when the posted speed limit is less than 70 mph and speeding in excess of 80 mph when the posted speed limit is 70 mph or greater)- the surcharge will be applied to the insured’s premium for 5 years (up from 3 years). Convictions of Speeding 10 mph or Less and Prayers for Judgment Continued (PJCs) – Lookbacks Increase from Three to Five Years. Currently, if a driver is convicted of the violation of speeding 10 mph or less over the posted speed limit2, that violation is waived for...