North Carolina insurance rate changes
Every rate filing on public record for NC personal and commercial lines, newest first, with the official source on every row. Updated as filings land.
Scroll the table sideways for effective dates and sources.
| Who filed | Line | Change | Where | Effective | Status | Source |
|---|---|---|---|---|---|---|
| NC Rate Bureauall carriers | Dwelling Fire | +5%asked +68.3%, approved +5% | NC | October 1, 2026 (+5%)October 1, 2027 (+5%) | Settled | ncdoi.gov |
| NC Rate Bureauall carriers | Homeowners | +7.5%asked +42.2%, approved +7.5% | NCSettlement caps any single territory at 35%. | June 1, 2025 (+7.5%)June 1, 2026 (+7.5%) | Settled | ncdoi.gov |
| NC Rate Bureauall carriers | Workers Compensation | -7.8%approved as filed | NC | April 1, 2026 | Approved | ncrb.org |
| NC Rate Bureauall carriers | Private Passenger Auto | +5%asked +22.6%, approved +5% | NC | October 1, 2025 | Settled | ncdoi.gov |
| NC Rate Bureauall carriers | Dwelling Fire | +8%asked +50.6%, approved +8% | NC | June 1, 2024 | Settled | ncdoi.gov |
Public rate filings, newest first. Percentages are statewide averages, not anyone’s actual premium.
See which of your clients these hit
Keepbook checks every filing against your book and tells you who is about to feel it, then drafts the email to each of them in your voice. Independent agencies only. Flat pricing, never per seat.