Commercial auto rate filings in North Carolina (2026)
Every carrier writing commercial auto coverage in North Carolina files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial auto quote in North Carolina. This page tracks the 3 active commercial auto filing(s) on record for North Carolina, filed by 2 distinct carrier(s).
Commercial auto rate filings in North Carolina are reviewed by the North Carolina Department of Insurance. The governing authority is N.C.G.S. Chapter 58 (Insurance). You can confirm any North Carolina carrier or agent is licensed with the state's license-lookup tool. A commercial auto premium in North Carolina is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two North Carolina businesses with the same profile can be quoted very different commercial auto premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial auto filings on record in North Carolina include North Carolina Rate Bureau (NCRB), North Carolina Reinsurance Facility (NCRF) — NC residual market. These are filings on record — North Carolina's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $746.00 to $1440.00 on the filed rating basis. The most-recent commercial auto filing we track for North Carolina is effective April 2026. Every row below cites its filing reference so the North Carolina regulator record can be verified.
Recent rate-filing activity — 3 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Comm Auto | NC | +4.5% overall statewide revenue change | Apr 1, 2026 | NCRB-NC-2026-CA |
| Comm Auto | NC | per power unit annual (BI 100/300 × fleet factor) | Apr 1, 2026 | NCRF-NC-2026-CA-TTT-FLEET-T111 |
| Comm Auto | NC | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Apr 1, 2026 | NCRF-NC-2026-CA-LMT-T111 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
North Carolina Rate Bureau (NCRB) filed NC-NCRB-CA-2026-04 effective April 2026 (active). North Carolina Reinsurance Facility (NCRF) — NC residual market filed NCRF-2026-CA effective April 2026 (active). North Carolina Reinsurance Facility (NCRF) — NC residual market filed NCRF-2026-CA effective April 2026 (active).
Commercial auto covers the vehicles a North Carolina business owns, leases, or operates — liability for injuries and damage the vehicle causes, plus optional physical-damage coverage. It is rated on vehicle count, use, radius, and driver records.
Across North Carolina, commercial auto carriers earned about $1.1B in premiums at a 69.3% loss ratio and a -3.1% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how commercial auto actually performs in North Carolina, beyond any single carrier's filing.
Key takeaways for North Carolina commercial auto
- North Carolina commercial auto rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual North Carolina commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how North Carolina commercial auto rates differ for your specific operation.
Get a real North Carolina commercial auto quote
These filings are the regulator-held record — your actual commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free North Carolina quote in under 90 seconds.
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Figures summarized here are drawn from public North Carolina Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.