Homeowners
- Asked
- +42.2%
- Approved
- +15.0%
Effective June 1, 2026
No new filing permitted before June 1, 2027.
Homeowners rate history →Why did your NC insurance bill go up?
North Carolina approves insurance rate increases line by line, and the approved figure is public. Statewide, homeowners rates were allowed to rise +15.0% on average — against the +42.2% insurers asked for. If your own bill rose by more than that, something specific to your policy explains the difference, and it is printed on your renewal.
Allowed statewide
+15.0%
All 2 approved steps are now in effect. Statewide the increase was applied as 7.5% in June 2025 and 7.5% in June 2026.
Insurers asked for
+42.2%
statewide average, January 2024
Check your increase
Enter what you paid last year and what you are being asked to pay now. We compare your percentage against the change the state actually approved for your county, cite the document it comes from, and tell you what usually explains a difference. No email is required to see the answer.
Compare your own billtwo figures from your renewal · nothing is stored against your name
Asked versus approved, right now
The most recent filing on record for each line: what the North Carolina Rate Bureau asked for, and what the Department of Insurance actually approved.
HomeownersAsked:+42.2%Approved:+15.0%
Dwelling
- Asked
- +29.8%
- Approved
- +5.0%
Effective October 1, 2027
Takes effect October 1, 2026 — in 15 days.
Dwelling rate history →Auto
- Asked
- +22.6%
- Approved
- —
Set for hearing February 3, 2025
A filing requesting +22.6% is set for hearing.
Auto rate history →Mobile Home
- Asked
- +40.6%
- Approved
- +9.4%
Effective November 1, 2024
No filing is currently pending for this line.
Mobile Home rate history →Everything that has happened, newest first
All lines in one feed, up to today. Every entry carries the document it came from.
- Homeowners · Took effect
Second 7.5% step takes effect
The second half of the settled increase applies to new and renewal policies written on or after this date.
- Dwelling · Settled
Settlement reduces the request to two 5.0% steps
The Department of Insurance and the Rate Bureau settled at two 5.0% increases instead of the 29.8% statewide average requested. The largest request for any single rate territory in that filing was 68.3%.
- Auto · Hearing set
Department of Insurance set the auto filing for hearing
The Commissioner scheduled a hearing on the auto filing.
- Dwelling · Filed
Rate Bureau filed a 29.8% dwelling request
The Rate Bureau filed for a 29.8% statewide average increase. The filing is under review.
- Homeowners · Took effect
First 7.5% step took effect
The first half of the settled increase applied to new and renewal policies written on or after this date.
- Auto · Filed
Rate Bureau filed a 22.6% auto request
The Rate Bureau filed for a 22.6% statewide average increase for private passenger auto.
- Auto · Took effect
4.5% took effect
The settled auto rates applied to policies written on or after this date.
- Homeowners · Settled
Settled at 15.0% phased over two years
The settlement set a 15.0% statewide average, applied as 7.5% in 2025 and 7.5% in 2026, and barred a new filing before June 1, 2027.
- Mobile Home · Took effect
9.4% took effect
The settled mobile home rates applied on or after this date.
- Mobile Home · Settled
- Homeowners · Hearing set
Department of Insurance set the filing for hearing
The Commissioner scheduled a hearing after a public comment period drew heavy response.
- Homeowners · Filed
Rate Bureau filed a 42.2% homeowners request
The Rate Bureau filed for a 42.2% statewide average increase, with far larger requests in some coastal territories.
- Auto · Settled
Settled at 4.5%
The settlement set a 4.5% statewide average for private passenger auto.
- Mobile Home · Filed
Rate Bureau filed a 40.6% mobile home request
The Rate Bureau filed for a 40.6% statewide average increase.
- Auto · Filed
Rate Bureau filed a 28.4% auto request
The Rate Bureau filed for a 28.4% statewide average increase for private passenger auto.
- Homeowners · Took effect
7.9% took effect
The settled rates applied to new and renewal policies written on or after this date.
- Dwelling · Took effect
4.0% took effect
The settled dwelling rates applied on or after this date.
- Homeowners · Settled
Settled at 7.9%
The settlement set a 7.9% statewide average, with coastal territories moving more than inland ones.
- Dwelling · Settled
- Homeowners · Filed
Rate Bureau filed a 24.5% homeowners request
The Rate Bureau filed for a 24.5% statewide average increase.
Showing the 20 most recent of 40 dated events on record — events, not filings; one filing usually generates several. The full record sits on each line hub — homeowners, dwelling, auto, mobile home.
Be told before the next one
One email when a filing is made, when a hearing is set, and when a change takes effect. Four to eight a year. Nothing on this site is ever hidden behind it.
Every filing since 1993, with sources
The archive underneath this page holds every North Carolina personal-lines rate filing, each one linked to the Rate Bureau circular or Department of Insurance order it came from.