North Carolina insurance rate statistics
Every headline figure this register publishes, one to a section, each anchor-linked and each carrying the document it came from — so any single number can be quoted with its source. Sought figures come from Rate Bureau filings; allowed figures from Department of Insurance settlements and orders.
Largest request on record
+42.2%
The homeowners filing of 2024 carries the largest statewide increase the North Carolina Rate Bureau has sought in this record.
What was allowed on it
+15.0%
On that same filing, the Department of Insurance allowed this statewide average, distributed unevenly across the rate territories.
The only outright denial
0.0%
One filing in this record was denied in full: the auto filing of 2019, which sought +4.9% and was ordered to zero.
Sought against allowed, all filings
18.9 pts
Across every filing that carries both a request and an outcome, this is the mean distance in percentage points between what was sought and what was allowed.
Spread across territories
$3,119
The filed Form 3 exhibit separates the highest reference premium (Territory 110, Beach Area and Ocean Front) from the lowest (Territory 200, Western Mountains) by this much, which is why one statewide average lands differently county by county.
Average consent surcharge (2025)
$724
On a policy written under consent to rate, this is the average annual premium charged above the allowed rate.
Span of the record
18 yrs
This register transcribes every North Carolina personal-lines rate filing made between 2008 and 2025, filing by filing, with the document each figure came from.