North Carolina Insurance Rate Statistics
Every headline figure this archive publishes, each one anchor-linked and sourced. Requested figures come from North Carolina Rate Bureau filings; approved figures come from Department of Insurance settlements and orders. Base premiums come from the filed Form 3 territory exhibit.
Statewide changes by line
Averages across every filing on record for each personal line.
| Line | Filings | Avg. requested | Avg. approved | Record spans |
|---|---|---|---|---|
| Homeowners | 6 | +24.4% | +6.3% | November 14, 2008 to January 3, 2024 |
| Dwelling | 3 | +36.3% | +4.5% | August 5, 2016 to June 27, 2025 |
| Auto | 3 | +18.6% | +2.3% | February 1, 2019 to February 3, 2025 |
| Mobile Home | 2 | +33.5% | +7.7% | June 3, 2019 to September 11, 2023 |
Statewide changes by line and year
Each filing in the year it was filed, with the change that was ultimately approved and the dates it took effect.
| Year filed | Line | Requested | Approved | Effective | Source |
|---|---|---|---|---|---|
| 2025 | Auto | +22.6% | Set for hearing | — | NCDOIAUTO-2025-HEARING-NOTICE |
| 2025 | Dwelling | +68.3% | +5.0% | October 1, 2026, October 1, 2027 | NCDOID-25-1 Settlement |
| 2024 | Homeowners | +42.2% | +15.0% | June 1, 2025, June 1, 2026 | NCDOIDOCKET-1584-NOTICE |
| 2023 | Auto | +28.4% | +4.5% | December 1, 2024 | NCDOIAUTO-2023-SETTLEMENT |
| 2023 | Mobile Home | +40.6% | +9.4% | November 1, 2024 | NCDOIMH-2024-SETTLEMENT |
| 2020 | Dwelling | +21.9% | +4.0% | April 1, 2021 | NCDOIDW-2021-SETTLEMENT |
| 2020 | Homeowners | +24.5% | +7.9% | April 1, 2021 | NCDOIHO-2021-SETTLEMENT |
| 2019 | Auto | +4.9% | 0.0% | January 1, 2020 | NCDOIAUTO-2019-SETTLEMENT |
| 2019 | Mobile Home | +26.5% | +6.0% | July 1, 2020 | NCDOIMH-2020-SETTLEMENT |
| 2018 | Homeowners | +17.4% | +4.0% | May 1, 2019 | NCDOIHO-2019-SETTLEMENT |
| 2016 | Dwelling | +18.7% | +4.4% | May 1, 2017 | NCDOIDW-2017-SETTLEMENT |
| 2014 | Homeowners | +25.3% | 0.0% | June 1, 2015 | NCDOIHO-2014-SETTLEMENT |
| 2012 | Homeowners | +17.7% | +7.0% | July 1, 2013 | NCDOIHO-2013-SETTLEMENT |
| 2008 | Homeowners | +19.5% | +4.0% | May 1, 2009 | NCDOIHO-2009-SETTLEMENT |
Requested versus approved gaps
The distance between what the Rate Bureau asked for and what was approved, widest first. Expressed in percentage points.
| Filing | Filed | Asked | Approved | Gap (points) | Source |
|---|---|---|---|---|---|
| Dwelling | June 27, 2025 | +68.3% | +5.0% | 63.3 | NCDOID-25-1 Settlement |
| Mobile Home | September 11, 2023 | +40.6% | +9.4% | 31.2 | NCDOIMH-2024-SETTLEMENT |
| Homeowners | January 3, 2024 | +42.2% | +15.0% | 27.2 | NCDOIDOCKET-1584-NOTICE |
| Homeowners | January 2, 2014 | +25.3% | 0.0% | 25.3 | NCDOIHO-2014-SETTLEMENT |
| Auto | February 1, 2023 | +28.4% | +4.5% | 23.9 | NCDOIAUTO-2023-SETTLEMENT |
| Mobile Home | June 3, 2019 | +26.5% | +6.0% | 20.5 | NCDOIMH-2020-SETTLEMENT |
| Dwelling | September 14, 2020 | +21.9% | +4.0% | 17.9 | NCDOIDW-2021-SETTLEMENT |
| Homeowners | December 8, 2020 | +24.5% | +7.9% | 16.6 | NCDOIHO-2021-SETTLEMENT |
| Homeowners | November 14, 2008 | +19.5% | +4.0% | 15.4 | NCDOIHO-2009-SETTLEMENT |
| Dwelling | August 5, 2016 | +18.7% | +4.4% | 14.3 | NCDOIDW-2017-SETTLEMENT |
| Homeowners | November 1, 2018 | +17.4% | +4.0% | 13.4 | NCDOIHO-2019-SETTLEMENT |
| Homeowners | October 11, 2012 | +17.7% | +7.0% | 10.7 | NCDOIHO-2013-SETTLEMENT |
| Auto | February 1, 2019 | +4.9% | 0.0% | 4.9 | NCDOIAUTO-2019-SETTLEMENT |
Consent-to-rate series
Consent to rate is a signed agreement that lets a company charge above the approved rate. What it is and how to spot it
- Homeowners policies written on consent to rate (2025)
- 62.9%
- Average amount above the approved rate (2025)
- $724
Share of NC homeowners policies written on consent to rate
Reported annually by the Department of Insurance. The value holds across its reporting year and steps on the next.
| Reporting year | Share of policies |
|---|---|
| 2022 | 40.3% |
| 2023 | 48.6% |
| 2024 | 56.4% |
| 2025 | 62.9% |
Territory spread and base premiums
An approved statewide average lands differently county by county, because North Carolina prices homeowners coverage by rate territory. The Form 3 base premium — the reference premium in the filed exhibit — runs from $856 in the western mountains to $3,975 on the ocean front.
| Territory | Name | Counties | Form 3 base premium |
|---|---|---|---|
| 110 | Beach Area and Ocean Front | 6 | $3,975 |
| 120 | Coastal Remainder | 10 | $2,884 |
| 130 | Eastern Coastal Plain | 15 | $1,943 |
| 140 | Northeastern Piedmont Plain | 10 | $1,602 |
| 150 | Sandhills | 10 | $1,487 |
| 160 | Charlotte Metro | 9 | $1,364 |
| 180 | Triangle | 3 | $1,319 |
| 170 | Triad | 12 | $1,281 |
| 190 | Foothills and Northern Mountains | 12 | $1,052 |
| 200 | Western Mountains | 13 | $856 |
Cite or reuse this data
Copy the citation, take the CSVs, or embed the chart. The compiled figures on this site may be reused freely, including commercially, with attribution. The underlying documents are public records of the North Carolina Rate Bureau and the North Carolina Department of Insurance.
NC Insurance Rate Tracker. “North Carolina Insurance Rate Statistics.” Accessed [date]. https://ncratetracker.com/statistics
- Download all series (CSV) — every reported series with its year, value, and source URL.
- Download all filings (CSV) — every filing with requested, approved, status, and effective dates.
- Per-county datasheets and the embed snippet
Embed the homeowners chart
<iframe src="https://ncratetracker.com/embed/chart?line=homeowners" width="100%" height="420" frameborder="0"
title="North Carolina homeowners insurance rate history"></iframe>
<p><a href="https://ncratetracker.com/homeowners">Source: NC Insurance Rate Tracker</a></p>