North Carolina's automobile insurance rates will increase by an average of 5% starting October 1, following a regulatory settlement that also lowers motorcycle liability insurance rates by 16.3%. This marks a significant reduction from the originally requested 22.6% auto rate hike.

North Carolina Insurance Commissioner announces a 5% average increase in auto insurance rates and a 16.3% decrease in motorcycle rates, effective October 2025, balancing market pressures and consumer protections.