Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in North Carolina Average homeowners insurance cost in North Carolina Homeowners insurance in North Carolina costs $2,933 per year or $244 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in North Carolina costs an average of $2,933 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in North Carolina by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $2,933 a year, based on our analysis.Of all the ZIP codes in North Carolina, 28658 has the most affordable home insurance rates at around $1,744 annually.In North Carolina, State Farm provides the most affordable home insurance at an average annual premium of $1,401. Average home insurance cost in North Carolina by coverage levelThe average cost of homeowners insurance in North Carolina is $2,933 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $3,670 per year for homeowners insurance in North Carolina for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in North Carolina for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,133 $178 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,141 $178 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,933 $244 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,941 $245 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$3,670 $306 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$3,678 $307 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$5,585 $465 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$5,593 $466 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$9,323 $777 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$9,331 $778 Homeowners insurance companies in North Carolina decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in North CarolinaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in North Carolina using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in North Carolina. Based on the analysis, State Farm received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreState Farm$1,162A++0.955Nationwide$3,141A+0.873.93Average homeowners insurance cost by company in North CarolinaState Farm has the cheapest homeowners insurance rates in North Carolina. Its average annual cost for North Carolina homeowners is $1,401. North Carolina Farm Bureau and Nationwide also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in North Carolina with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateState Farm$1,401$117North Carolina Farm Bureau$2,514$209Nationwide$5,456$455Erie Insurance$5,936$495USAA$4,492$374North Carolina homeowners insurance rates by ZIP codeInsurance providers in North Carolina factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in North Carolina, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in North CarolinaNot every area in North Carolina has the same home insurance cost. How much you pay for homeowners insurance in North Carolina depends on many factors, including your ZIP code. Our data shows that 28658 ZIP has low-cost home insurance rates in North Carolina, at about $1,744 a year or $145 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in North Carolina.ZIP codeAverage annual rateAverage monthly rate28658$1,744$14528610$1,745$14528168$1,746$14628650$1,747$14628673$1,748$14628609$1,749$14628753$1,766$14728743$1,768$14728716$1,772$14828786$1,774$148Most expensive ZIP codes for home insurance rates in North CarolinaIn North Carolina, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 28480 ZIP pay the highest insurance rates in North Carolina, with an average annual premium of $29,676.Below is a list of some of the most expensive ZIP codes in North Carolina for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate28480$29,676$2,47328428$29,674$2,47328409$29,617$2,46828403$29,545$2,46228461$29,002$2,41728462$28,997$2,41628469$28,902$2,40928524$27,963$2,33028511$27,954$2,33028512$27,925$2,327Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in North Carolina by cityCaryCharlotteDurhamFayettevilleFriscoGreensboroNashvilleRaleighVaughanWinston-SalemShow moreHome insurance rate trend in North CarolinaWe analyzed home insurance rate trends in North Carolina and found that homeowners insurance rates experienced an overall increase of 6% or $173, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,878$2,760$2,933To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in North Carolina.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in North-Carolina Average renters insurance cost in North Carolina Average car insurance cost in North Carolina Non-owner auto insurance in North Carolina How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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