North Carolina Auto Insurance To GO UP
Buckle up, North Carolina auto insurance rates are going UP, and it’s official. Beginning October 1, 2025, drivers across the state will see their insurance premiums increase by an average of 5%, following a settlement between the North Carolina Department of Insurance and the NC Rate Bureau.
This change will affect both new and renewed auto policies, so if you’re hitting the road after October 1, expect to pay a little more to stay covered.
THEY WANTED A 23% INCREASE—WHAT HAPPENED?
Back in February, the Rate Bureau came in HOT asking for a massive North Carolina auto insurance rate of 22.6%, bumping that number up to 23% in March. But state regulators weren’t having it.
Thanks to Insurance Commissioner Mike Causey, a deal was struck to cap the increase at just 5%, avoiding a costly rate hearing that was scheduled for September 22.
“With factors such as distracted driving, excessive speeding and increased automobile repair costs putting upward pressure on insurance rates, I am happy that we were able to hold the average increase to 5%,” Commissioner Causey said. “I’m also glad that the agreement will keep North Carolina’s average automobile premiums among the lowest in the nation.”
He also reminded drivers that North Carolina still holds one of the lowest average auto insurance premiums in the country.
GOOD NEWS FOR MOTORCYCLE RIDERS!
While drivers are bracing for higher rates, motorcyclists get a break. As part of the deal, motorcycle liability insurance will DROP by an average of 16.3% statewide. That’s right—bikers are saving big come fall!
