Home Home insurance Average home insurance cost Average homeowners insurance cost in North Carolina Average homeowners insurance cost in North Carolina View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: February 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 want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.On average, North Carolina homeowners insurance costs $2,689 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in North Carolina.Key TakeawaysHomeowners insurance costs an average of $2,689 a year, based on Insure.com analysis.Amongst all the ZIP codes in North Carolina, 28658 has the most affordable home insurance rates, around $1,647 annually.In North Carolina, State Farm provides the most affordable home insurance at an average annual premium of $1,283.Average home insurance cost in North Carolina by coverage levelThe average cost of homeowners insurance in North Carolina is $2,689 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $3,226 per year for homeowners insurance in North Carolina for $100,000 in liability protection and $1000 deductible.Find below the average cost of homeowners insurance in North Carolina for dwelling coverage of $300,000, $400,000 and $500,000CoverageAverage annual rateAverage monthly rate$3,00,000 with $1,000 Deductible and $1,00,000 Liability$2,689$224$4,00,000 with $1,000 Deductible and $1,00,000 Liability$3,226$269$5,00,000 with $1,000 Deductible and $1,00,000 Liability$3,755$313Homeowners insurance companies in North Carolina decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate 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.Best homeowners insurance companies in North CarolinaIt’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in North Carolina using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in North Carolina. Based on the analysis, USAA received the highest J.D. power score of 884 and A++ rating from AM Best.CompanyA.M. Best ratingJ.D. Power ratingOverall scoreUSAAA++8844.23State FarmA++8293.98Erie InsuranceA+8272.42NationwideA+8162.36Average homeowners insurance cost by company in North CarolinaState Farm offers the most affordable homeowners insurance in North Carolina, at an average annual premium of $1,283 a year, followed by North Carolina Farm Bureau and USAA.You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for North Carolina homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.CompanyAverage annual rateAverage monthly rateState Farm$1,283$107North Carolina Farm Bureau$1,786$149USAA$2,663$222United Insurance Holdings$3,122$260Nationwide$3,305$275Erie Insurance$3,546$296North Carolina homeowners insurance rates by ZIP codeInsurance companies in North Carolina assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in North Carolina. Don’t forget to ask about any available discounts, such as 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 is home insurance in North Carolina depends on a lot of different factors and one of them is your ZIP code. 28658 ZIP has low cost home insurance rates in North Carolina, at about $1,647 a year or $137, based on Insure.com data.Find below the homeowners insurance rates for some of the most affordable ZIP codes in North Carolina. ZIP codeAverage annual rateAverage monthly rate28658$1,647$13728168$1,650$13828602$1,651$13828682$1,652$13828609$1,653$13828753$1,655$13828754$1,656$13828743$1,658$13828716$1,660$13828786$1,663$139 Home 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 moreFinal thoughtsFinding the right homeowners insurance company takes some digging and comparing quotes from various insurers.Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in North Carolina.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.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 deductibleThe 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$1,867/YearAlabama$2,882/YearArkansas$4,062/YearArizona$1,947/YearCalifornia$1,357/YearColorado$3,376/YearConnecticut$2,165/YearWashington D.C.$1,203/YearDelaware$1,230/YearFlorida$2,260/YearGeorgia$2,375/YearHawaii$562/YearIowa$2,389/YearIdaho$1,879/YearIllinois$2,589/YearIndiana$2,707/YearKansas$4,648/YearKentucky$3,153/YearLouisiana$2,843/YearMassachusetts$1,583/YearMaryland$1,685/YearMaine$1,420/YearMichigan$2,306/YearMinnesota$2,307/YearMissouri$3,335/YearMississippi$3,541/YearMontana$2,857/YearNorth Dakota$2,931/YearNebraska$4,614/YearNew Hampshire$1,190/YearNew Jersey$1,245/YearNew Mexico$2,530/YearNevada$1,433/YearNew York$1,727/YearOhio$2,005/YearOklahoma$4,934/YearOregon$1,491/YearPennsylvania$1,820/YearRhode Island$1,534/YearSouth Carolina$2,751/YearSouth Dakota$3,514/YearTennessee$2,857/YearTexas$3,977/YearUtah$1,411/YearVirginia$2,043/YearVermont$1,158/YearWashington$1,643/YearWisconsin$1,495/YearWest Virginia$1,781/YearWyoming$1,846/YearShow more In case you missed it What is HO-6 condo insurance and how much does it cost? 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