Assuring the availability of automobile liability coverage for North Carolina


Created in 1973, the mission of the North Carolina Reinsurance Facility (NCRF) is to ensure that all eligible risks can purchase auto liability insurance, to ensure the right premiums are collected and  the correct losses are paid, and to minimize the impact on policyholders and companies in North Carolina. 


  • 5/21/24: New Circular RF-24-8 Revised Clean Risks and Other Than Clean Risks Liability Base Rates and Increased Limit Factors
  • 5/1/24: New Circular RF-24-7 Revised Private Passenger Automobile and Motorcycle Insurance Rates – Other Than Clean Risks
  • 3/15/24: New Circular RF-24-6 Commercial Auto Manual Revisions 80-20 Rule and the term “Regularly” regarding radius of operation
  • 3/12/24: New Circular RF-24-5 Ceded Commercial Automobile Data Call 2024 
  • 2/15/24: New Circular RF-24-4 Minutes of the Member Companies Annual Meeting held October 25, 2023
  • 2/1/24: New Circular RF-24-3 Revised Expense Allowances - Effective January 2024
  • 2/1/24: New Circular RF-24-2 2024 IDC Data Calls
  • 1/25/24: New Circular RF-24-1 Announcement of the 2024 Annual Meeting 
  • 12/14/23: New Circular RF-23-19  Ceded Premium Volume by Company or Group
  • 12/13/23: New Circular RF-23-18  In-Force Policy Count as of October 1, 2023
  • 12/6/23: New Circular RF-23-17  Commercial Auto Loss Recoupment
  • 12/6/23: New Circular RF-23-16  Private Passenger Combined Clean Risk- Loss Recoupment
  • 11/28/23: New Circular RF-23-15 Updated Increased Limit Factor Tables for NCRF Commercial Automobile Rates Effective April 1, 2024
  • 11/20/23: New Circular RF-23-14 2024 Reporting Schedule
  • 11/13/23: New Circular RF-23-13 Revision of NCRF Commercial Automobile Insurance Rates - Effective April 1, 2024
  • 11/7/23: New Circular RF-23-12 Commercial Auto Manual Revisions - Rule 12 Private Passenger Types 
  • 10/2/23: New Circular RF-23-11 Standard Practice Manual Revisions
  • 8/10/23: New Circular RF-23-10 Revised Private Passenger Automobile and Motorcycle Insurance Rates and Relativities – Clean Risks and Other-Than-Clean Risks
  • 7/31/23: New Circular RF-23-9 Fiftieth Annual Meeting 
  • 7/27/23: New Circular RF-23-8 Expense Allowances - Effective October 2023
  • 6/22/23: New Circular RF-23-7 NCRF Tax (Calendar) Year beginning October 1, 2021 Schedule K-1 Tax Form 1065 (FYE 9/30/2022) - Available online
  • 6/7/23: New Circular RF-23-6 Commercial Auto Loss Recoupment
  • 6/7/23: New Circlar RF-23-5 Private Passenger Combined Clean Risk- Loss Recoupment
  • 5/4/23: New Circular RF-23-4 Personal Auto Program Revisions
  • 4/5/23: New Circular RF-23-3 Revised Private Passenger Automobile and Motorcycle Insurance Rates – Other Than Clean Risks
  • 3/10/23: New Circular RF-23-2 Ceded Commercial Automobile Data Call 2023
  • 1/26/23: New Circular RF-23-1 Announcement of the 2023 Annual Meeting.



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