North Carolina Auto Insurance Rate History (1993–2026)
Every auto rate filing made by the North Carolina Rate Bureau, what the Department of Insurance approved, and the date each change took effect. Requested figures are shown in brass, approved figures in green.
Current approved change — Mecklenburg County
+4.5%approved for Territory 160, Charlotte Metro
If your renewal went up more than this, see why →
- Effective date
- December 1, 2024
- Requested by the Rate Bureau
- +28.4%
The Rate Bureau requested a 28.4% statewide average increase for private passenger auto. The settled statewide average was 4.5%, effective December 1, 2024.
Next expected
A filing requesting +22.6% is set for hearing; no decision has been recorded.
Pending: a filing requesting +22.6% filed February 3, 2025 is set for hearing.
Scope this page to a county
Mecklenburg County sits in Territory 160 — Charlotte Metro. Form 3 base premium on record: $1,364. Full Mecklenburg County page →
Approved versus requested auto changes
Mecklenburg County. Rates change discretely on their effective dates, so the chart steps and never slopes. Requested figures are brass, approved figures green.
What else was happening
Sources (3)
- Auto filing requesting 22.6% is set for hearing Source · AUTO-2025-HEARING-NOTICE
- Auto filing requesting 22.6% is set for hearing Source · A-25-2
- Hurricane Helene reaches western North Carolina Source
Citations are Chicago style with the date you accessed the page. Every figure traces to an NCRB circular or an NCDOI settlement or order.
Every auto filing on record
| Filed | Requested | Outcome | Status | Effective | Docket | Source |
|---|---|---|---|---|---|---|
| February 3, 2025 | +22.6% | — | Set for hearing | — | — | |
| February 1, 2023 | +28.4% | +4.5% | Settled | December 1, 2024 | — | |
| February 1, 2019 | +4.9% | 0.0% | Settled | January 1, 2020 | — |
Get told when this changes
One email when a new filing is made, when a hearing is set, and when an approved change takes effect. Nothing on this site is ever hidden behind it.
Everything that has happened, newest first
- Hearing set
Department of Insurance set the auto filing for hearing
The Commissioner scheduled a hearing on the auto filing.
- Filed
Rate Bureau filed a 22.6% auto request
The Rate Bureau filed for a 22.6% statewide average increase for private passenger auto.
- Took effect
4.5% took effect
The settled auto rates applied to policies written on or after this date.
- Settled
Settled at 4.5%
The settlement set a 4.5% statewide average for private passenger 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.
- Settled
Settled with no statewide change
The settlement left statewide average auto rates unchanged.
- Filed
Rate Bureau filed a 4.9% auto request
The Rate Bureau filed for a 4.9% statewide average increase for private passenger auto.