Bill Layne Insurance 📞 336-835-1993 Home > Blog > NC Ticket Impact 2022 Ticket in 2026? NC Insurance Points Explained 👤 By Bill Layne 📅 Updated: January 15, 2026 ⚡ The Direct Answer No. In North Carolina, insurance points for moving violations generally impact your premiums for three years (the "experience period"). By 2026, a speeding ticket convicted in 2022 has typically aged off your record for rating purposes, meaning your rates should return to normal...