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North Carolina Insurance, Compared
Auto minimums jumped to 50/100/50 in July 2025, home rates are rising, and new-authority truckers face the same filing rules everywhere. Compare licensed North Carolina agents by city and coverage below.
Get Free Quotes →Updated October 28, 2026
What’s happening with North Carolina rates
For policies issued or renewed on or after July 1, 2025, North Carolina's minimum liability rose from 30/60/25 to 50/100/50 — its first change since 1999 (Senate Bill 452). Uninsured/underinsured motorist coverage is required at matching limits. North Carolina now carries the highest property-damage minimum in the nation.
The North Carolina Rate Bureau requested a 22.6% average auto increase in early 2025; Commissioner Mike Causey settled it at +5.0% on average, effective for policies on or after October 1, 2025 (+9.0% on liability). Drivers who still carried the old minimums saw a further bump at renewal from the higher mandated limits.
Homeowners base rates were settled at +7.5% on June 1, 2025 and another +7.5% on June 1, 2026, with any single territory capped at 35% and no new homeowners request allowed until June 2027. NCDOI estimates the settlement saved homeowners about $777 million versus the Rate Bureau's original 42.2% request.
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Get Free Quotes →Sources & methodology
Figures on this page are dated market estimates drawn from public sources, presented as ranges because published rates vary widely by driver profile, coverage level and date. Key sources:
- NCDOI auto settlement (June 9, 2025)
- North Carolina Rate Bureau filings (2025)
- Bankrate & CarInsurance.com on the 50/100/50 change (2025)
- Experian / InsuranceQuotes auto averages (2026)
- NCDOI homeowners settlement (Jan 17, 2025)
- Carolina Journal on consent-to-rate (2025)
- FMCSA 49 CFR Part 387