Name: Affinity Insurance Group
Address: 800 W Williams St, Apex, NC, 27502, US
Telephone: (919) 296-3787

Auto insurance rates are rising across North Carolina, and we want to keep our clients informed about what’s driving these changes.

📈 What’s Happening

Many North Carolina drivers have seen rate increases in 2024–2025, with more adjustments expected in 2026.
The size of the increase depends on factors like your location, driving history, and the type of vehicle you drive.
Even safe drivers with no claims may see higher premiums because of overall market conditions.

🚗 Why Rates Are Rising

Repair & Replacement Costs – Cars are more expensive to repair due to advanced technology, labor shortages, and higher costs for parts.
Medical Costs – Accident-related medical expenses have risen significantly, increasing claim payouts.
Accidents & Severe Claims – Distracted driving, higher traffic volumes, and catastrophic accidents are pushing up claim frequency and severity.
Litigation Costs – Legal settlements and liability claims are more frequent and costly.
Reinsurance Costs – Just like home insurance, auto insurers must buy “reinsurance,” which has become more expensive nationwide.

🏷️ What This Means for You

Rate increases are affecting all carriers across the state.
Your specific increase will depend on your driving record, coverage limits, and rating factors.
Discounts and bundling (auto + home + life) can often help offset these increases.

✅ We’re Here to Help

At Affinity Insurance Group, our goal is to make sure you have the right coverage at the best possible rate for your home, auto, business, and life insurance needs.

👉 Call us today at (919) 296-3787 or for an expedited response, submit general requests through our Client Portal by clicking Contact Us.
On the client portal you can make payments, request policy changes, upload documents, download Auto ID Cards, and more.

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Contact

Phone: (919) 296-3787

Fax: (919) 296-3788

Email: info@affinityinsurancenc.com

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Why Are Auto Insurance Rates Increasing in North Carolina?