Call our licensed agents toll free 844.855.0163
Go To Top
Why you can trust is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. maintains editorial integrity through strict independence from insurance companies.

State Farm is the cheapest North Carolina home insurance company among carriers surveyed. Its average rate for North Carolina homeowners is $1,549 a year, or $129 a month. That’s $1,482 less than the state average of $3,031 and about $1,230 less than the national average ($2,779).

North Carolina home insurance rates vary by location and coverage level, and may include a hurricane deductible that can affect rates. Read on to find how how much home insurance costs in North Carolina by ZIP code, coverage level, and more.

  • State Farm is the cheapest home insurance company in North Carolina, with an average rate of $129 a month.
  • Homeowners in North Carolina can save up to 21% if they bundle home and auto insurance coverage from the same company.
  • North Carolina is one of 19 states that have hurricane deductibles.

Best homeowners insurance companies in North Carolina analyzed rate data and third-party insurance company ratings to identify the best homeowners insurance companies in North Carolina. To rate the companies, we looked at:

  • A.M. Best financial ratings for an insurer's ability to meet its financial obligations
  • J.D. Power’s annual study of customer satisfaction ratings
  • rate analysis based on homeowners insurance quotes in North Carolina
  • Carrier policy offerings, discounts available and special coverages

The best homeowners insurance companies along with their average annual rates and ratings are below:

Best home insurance companies in NC
Company nameAverage ratesRating (out of 5)
State Farm$1,5494.4
North Carolina Farm Bureau$1,7943.6
United Insurance Holdings$3,6143.2
Erie Insurance$4,0163.2

Cheapest homeowners insurance companies in North Carolina

State Farm, North Carolina Farm Bureau, USAA, and Nationwide are the cheapest homeowners insurance companies in North Carolina, based on a rate analysis by These rates were fielded from major companies for nearly every ZIP code in the state and averaged by company and coverage level.

It's crucial to shop around for the best home insurance rate because prices for the same coverage vary by hundreds of dollars. That means, if you don’t compare rates, you may wind up overpaying.

Each carrier uses its own method for deciding what you pay, which is why prices differ so much. suggests getting at least three price quotes when shopping for coverage.

Below are average home insurance rates, ranked by company for a policy with $300,000 in dwelling and liability coverage with a $1,000 deductible.

Cheapest home insurance companies in NC
CompanyAnnual rateMonthly rate
State Farm$1,549$129
North Carolina Farm Bureau$1,794$149
United Insurance Holding$3,614$301
Erie Insurance$4,016$335

North Carolina homeowners insurance rates by ZIP code

The most expensive ZIP code for home insurance in North Carolina is Hubert (28539) with an average rate of $6,143. The least expensive ZIP codes are Conover (28613) and Newton (28658), both with an average rate of $2,059.

Many factors affect home insurance rates. Chief among them is where you live, which is why rates vary greatly depending on your ZIP code. In addition to location, what you pay is also influenced by the following:

  • Your home's square footage
  • Building costs in your area, and your own home's construction, materials and features
  • Local crime rates
  • The likelihood of certain types of disasters, such as hurricanes

North Carolina homeowners insurance calculator

By entering your ZIP code in the search box, you’ll see the average home insurance rate for that area, as well as the highest and lowest premium fielded from major insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you can save by shopping your policy.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

Homeowners insurance rates in North Carolina by coverage level

Below, we show the average cost of North Carolina homeowners insurance for 10 coverage levels, all with a $1,000 deductible, based on a rate analysis by As you can see, the difference in price between low liability limits and the recommended higher amount is negligible, less than $20.

Home insurance rates in NC by coverage level
Coverage levels (Dwelling / Liability)Average annual rateMonthly rate
$200,000 with $100,000$2,104$175
$200,000 with $300,000$2,112$176
$300,000 with $100,000$3,023$252
$300,000 with $300,000$3,031$253
$400,000 with $100,000$3,516$293
$400,000 with $300,000$3,524$294
$500,000 with $100,000$3,930$328
$500,000 with $300,000$3,936$328
$600,000 with $100,000$4,221$352
$600,000 with $300,000$4,229$352

Homeowners insurance rates in North Carolina by city

Though you can see how much coverage costs for your neighborhood by using our average rates tool above, you may want to know the cost of a policy in your city, and how it compares to others. Below we provide rates for the largest cities in North Carolina.

Homeowners insurance rates by city
CityAverage rate$ difference from state average of $3,031
Winston-Salem$2,442$589 less
Chapel Hill$2,625$406 less
Greensboro$2,537$494 less
High point$2,561$470 less
Charlotte$2,611$420 less
Durham$2,897$134 less
Cary$2,971$60 less
Raleigh$2,994$37 less
Fayetteville$3,488$457 more
Wilmington$4,571$1,540 more

Homeowners insurance discounts in North Carolina

There are several ways to reduce your North Carolina home insurance costs. Many insurers will lower your bill if you purchase more than one type of insurance policy from them. This process – known as "bundling" – can cut your costs by 18%, on average, according to’s 2022 data analysis, but in North Carolina, it’s more like 21%.

You can also cut your costs by making your home more disaster-resistant. Installing hurricane glass or accordion shutters might net you a discount.

Other possible home insurance discounts include:

  • Installing smoke detectors, a burglar alarm or dead-bolt locks – 4% to 7%
  • Installing a sprinkler system, fire and burglar alarm – 1%
  • Loyalty discounts – about 7% on average, after three to five years, and 8% for six years or more

Home-auto discount bundle in North Carolina

Here’s how some major companies compare for home-auto bundles in North Carolina:

Home-auto bundle discount in North Carolina
CompanyBundle $ savingBundle discount
North Carolina Farm Bureau$332%
Lighthouse Prop$492%
Farmers Insurance$41918%
Erie Insurance$1,05325%
State Farm$88535%

Frequently asked questions: North Carolina home insurance

How do I get flood insurance in North Carolina?

Homeowners insurance doesn’t cover floods. You’ll need to buy a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a home insurance company that works with the NFIP.

How do hurricane and windstorm deductibles work in North Carolina?

North Carolina is one of 19 states with hurricane deductibles. A home insurance company may put a hurricane deductible on your home insurance policy if your home is considered risky in a hurricane.

Rather than a flat amount, windstorm and hurricane deductibles are usually 1-5% of the total cost for repairs. You will be responsible for that amount.

What should I do if I can’t get a home insurance policy?

The North Carolina Joint Underwriting Association offers the FAIR plan for homeowners who can't get coverage elsewhere.

The FAIR plan covers you just like a regular home insurance policy. You're protected against fire, vandalism and other damages. FAIR plans cost much more than a regular policy, so they are generally the last resort.

How do I file a North Carolina home insurance complaint?

If you're having problems with an insurer, you can file a complaint with the North Carolina Department of Insurance by calling 855-408-1212 or going to the site and filing an online complaint.

You'll want to have the insurance company's name, your policy number, claim number, if applicable, and related documents, such as photos and letters, when you contact the Department of Insurance.

How long does a company have to settle my claim in North Carolina?

There is no specified time required to settle a claim in North Carolina, though the insurer must acknowledge receipt of your claim within 30 days.

Methodology in 2022 commissioned Quadrant Data Services to provide home insurance rates across multiple ZIP codes in North Carolina at several coverage levels. The best insurance companies are rated based on J.D. Power's consumer surveys, A.M. Best ratings, and average rates and discount amounts provided by Quadrant. Content is updated for 2023.

Helpful Home Insurance Articles & Guides