North Carolina Title Insurance Rates

In North Carolina, title insurance rates must be filed with and approved by the Department of Insurance. The North Carolina Rating Bureau files these rates on behalf of the title industry so that the rates approved are uniform.


New rates filed by the Rating Bureau became effective March 1, 2020 and are as follows:

Standard Rates

Rates for Title Insurance
Rate Per Thousand
Up to $100,000 $2.54
$100,001 to $500,000 $1.98
$500,001 to $2,000,000 $1.29
$2,000,001 to $7,000,000 $0.99
$7,000,001 and above $0.69

Insured Closing Letters
Rate Per Thousand
Up to $100,000 $0.63
$100,001 to $500,000 $0.12
$500,001 and above  add $0.00

Additional Rates

The minimum premium for a policy of title insurance shall be $51.00

Simultaneous Issue Rate: There is a premium of $26.00 for each Loan Policy that is issued simultaneously with an Owner’s Policy.

Commitment Premium: A Commitment charge of $15.00 will apply to Commitments issued for an Owner’s Policy, a Loan Policy or an Owner’s Policy that includes a single Loan Policy (i.e., a simultaneous issue).

An additional $15.00 premium will be charged for each additional loan that is insured in the same Commitment.

Cancellation of Commitment: There will be no commitment fees charged for commitments that are cancelled.