Often not the first one. A Prayer for Judgment Continued on a moving violation is waived for insurance, with no points and no increase, if neither you nor anyone in your household had another PJC in the lookback period. For PJCs granted on or after July 1, 2025, that lookback grows from three years to five.
Pick your town or county and your coverage to see the typical yearly car insurance premium our own clients pay, from the personal auto policies we write and service.
Coverage| Vehicles on the policy | Typical yearly premium |
|---|
Typical means the median. Six-month policies are doubled to a full year. Source: Sizemore Insurance clients' in-force personal auto policies as of October 10, 2026, not a survey or national average (how we got these numbers). Not a quote; your price depends on your drivers, your vehicles and the coverage you choose.
A Prayer for Judgment Continued, or PJC, is a court outcome some drivers ask for after a traffic ticket. The North Carolina Department of Insurance explains how insurers treat it: if a driver receives a PJC for a moving traffic violation, the violation is waived for insurance purposes, so no insurance points are assigned and the premium doesn't increase. The condition is that the driver and no one else in the household has another PJC during the lookback period before the application or renewal.
That last part surprises families. The lookback counts PJCs for everyone in the household, not just the driver. If a parent used a PJC last year, a teenager's PJC this year may not get the same treatment. Before anyone in the house asks for one, it helps to know who else has used one recently.
For PJCs granted on or after July 1, 2025, the lookback period for later PJCs grows from three years to five. A PJC now stays relevant to the household's insurance for longer.
The same rules changed the minor speeding exception. A conviction for speeding 10 mph or less over the limit is waived for insurance if the driver has no other moving violation conviction, except a PJC, in the lookback period. For convictions after July 1, 2025, that lookback also grows from three to five years, and it doesn't include school zone speeding. And for certain convictions carrying 4 or more insurance points, the surcharge now lasts 5 years instead of 3.
A PJC is a legal question as well as an insurance one, so talk to an attorney about the ticket itself. On the insurance side, call us before court. We can tell you how a conviction or a PJC would likely affect your household's premium, which makes the decision clearer.
Every situation is a little different. If you want someone to look at your own policy, call us at (910) 791-1011 or start a quote online. We're an independent, family-owned company founded in 1977, with eight offices in North Carolina, and we're licensed in North Carolina, South Carolina, Virginia and Maryland.
This page is general information, not a coverage determination or legal advice. Policies, rules and availability vary and change. Review your own policy or talk to your advisor.