Best homeowners insurance companies in North Carolina
The best home insurance company in North Carolina is North Carolina Farm Bureau. State Farm and Erie Insurance are among the top home insurance companies in North Carolina based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
North Carolina Farm Bureau
Local carrier North Carolina Farm Bureau edged out State Farm for first place thanks to a lower complaint volume, although rates are a little higher.
State Farm
The cheapest home insurance company among those we compared by a wide margin, State Farm lands at No. 2 thanks to a slightly higher NAIC rating for customer complaints. State Farm has the best possible AM Best rating, meaning it is on solid financial footing.
Erie Insurance
Erie Insurance is the third-best home insurance company in North Carolina, with a low NAIC complaint ratio and solid AM Best rating. Erie isn't the cheapest company, but it carries an impressive reputation for customer service.
Cheapest homeowners insurance companies in North Carolina
State Farm offers the cheapest home insurance in North Carolina for all five coverage levels we compared, from $1,113 at $200,000 to $2,603 at $1 million.
Below are North Carolina home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Erie Insurance | $6,368 | $9,138 | $11,731 | $16,443 | $23,947 |
| Nationwide | $3,522 | $6,490 | $8,166 | $11,923 | $11,223 |
| North Carolina Farm Bureau | $1,573 | $2,324 | $2,848 | $3,893 | $5,052 |
| State Farm | $1,113 | $1,362 | $1,593 | $2,086 | $2,603 |
| USAA | $1,855 | $2,795 | $3,459 | $4,797 | $6,315 |
*USAA only provides coverage to military members, veterans and their families.
How much is home insurance in North Carolina?
The cost of home insurance in North Carolina is $3,799 a year, or $317 a month. That’s based on the following coverage levels:
- $300,000 dwelling coverage
- $300,000 liability coverage
- $1,000 deductible
- 2% hurricane deductible
Rates will vary depending on your coverage levels, where you live, and your home's specifics.
North Carolina homeowners insurance rates by ZIP code
Your ZIP code has a major impact on your North Carolina homeowners insurance rate. Coastal areas and hurricane-exposed locations cost more, while inland and lower-risk ZIP codes cost less.
The most expensive ZIP codes in North Carolina for home insurance
North Carolina homeowners insurance rates are the most expensive for ZIP code 28480 (Wrightsville Beach), with an average annual cost of $21,111. Southport, Supply, Ocean Isle Beach, and Atlantic Beach also rank among the highest-cost areas because coastal storm risk drives rates up.
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Wrightsville Beach | 28480 | $21,111 |
| Southport | 28461 | $20,625 |
| Supply | 28462 | $20,621 |
| Ocean Isle Beach | 28469 | $20,509 |
| Atlantic Beach | 28512 | $20,007 |
| Emerald Isle | 28594 | $19,993 |
| Carolina Beach | 28428 | $19,425 |
| Wilmington | 28409 | $19,312 |
| Wilmington | 28405 | $19,274 |
| Wilmington | 28403 | $19,273 |
The least expensive ZIP codes in North Carolina for home insurance
The cheapest ZIP code in North Carolina for homeowners insurance is 28623 (Ennice) at an average of $1,644 a year. Glade Valley, Sparta, Laurel Springs, and Canton are also among the least expensive ZIP codes, reflecting lower average insurance risk than coastal areas.
Compare the cheapest ZIP codes in North Carolina below.
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Ennice | 28623 | $1,644 |
| Glade Valley | 28627 | $1,645 |
| Sparta | 28675 | $1,646 |
| Laurel Springs | 28644 | $1,647 |
| Canton | 28716 | $1,660 |
| Waynesville | 28786 | $1,662 |
| Clyde | 28721 | $1,663 |
| Lake Junaluska | 28745 | $1,664 |
| Maggie Valley | 28751 | $1,664 |
| Waynesville | 28785 | $1,670 |
North Carolina homeowners insurance rates by county
The cheapest county is Haywood, at $1,694 a year, while the most expensive is New Hanover at $16,278.
Home insurance rates in North Carolina vary by county. Take a look at the average rates by county in North Carolina below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Alamance | $2,403 | $200 |
| Alexander | $2,108 | $176 |
| Alleghany | $1,717 | $143 |
| Anson | $2,829 | $236 |
| Ashe | $1,808 | $151 |
| Avery | $1,876 | $156 |
| Beaufort | $5,611 | $468 |
| Bertie | $3,223 | $269 |
| Bladen | $4,453 | $371 |
| Brunswick | $13,793 | $1,149 |
| Buncombe | $1,747 | $146 |
| Burke | $1,919 | $160 |
| Cabarrus | $2,167 | $181 |
| Caldwell | $1,886 | $157 |
| Camden | $5,346 | $446 |
| Carteret | $15,064 | $1,255 |
| Caswell | $2,333 | $194 |
| Catawba | $1,943 | $162 |
| Chatham | $2,518 | $210 |
| Cherokee | $1,834 | $153 |
| Chowan | $5,491 | $458 |
| Clay | $1,887 | $157 |
| Cleveland | $2,025 | $169 |
| Columbus | $5,026 | $419 |
| Craven | $6,398 | $533 |
| Cumberland | $3,471 | $289 |
| Currituck | $7,379 | $615 |
| Dare | $12,468 | $1,039 |
| Davidson | $2,245 | $187 |
| Davie | $2,077 | $173 |
| Duplin | $4,621 | $385 |
| Durham | $2,499 | $208 |
| Edgecombe | $2,940 | $245 |
| Forsyth | $2,022 | $168 |
| Franklin | $2,672 | $223 |
| Gaston | $2,201 | $183 |
| Gates | $2,908 | $242 |
| Graham | $1,759 | $147 |
| Granville | $2,319 | $193 |
| Greene | $3,537 | $295 |
| Guilford | $2,168 | $181 |
| Halifax | $2,446 | $204 |
| Harnett | $3,029 | $252 |
| Haywood | $1,694 | $141 |
| Henderson | $1,791 | $149 |
| Hertford | $2,879 | $240 |
| Hoke | $3,305 | $275 |
| Hyde | $10,008 | $834 |
| Iredell | $2,283 | $190 |
| Jackson | $1,862 | $155 |
| Johnston | $3,076 | $256 |
| Jones | $6,610 | $551 |
| Lee | $2,797 | $233 |
| Lenoir | $4,170 | $347 |
| Lincoln | $2,221 | $185 |
| Macon | $1,764 | $147 |
| Madison | $1,701 | $142 |
| Martin | $3,265 | $272 |
| Mcdowell | $1,945 | $162 |
| Mecklenburg | $2,267 | $189 |
| Mitchell | $1,973 | $164 |
| Montgomery | $2,552 | $213 |
| Moore | $2,931 | $244 |
| Nash | $2,762 | $230 |
| New Hanover | $16,278 | $1,356 |
| Northampton | $2,640 | $220 |
| Onslow | $11,436 | $953 |
| Orange | $2,327 | $194 |
| Pamlico | $8,260 | $688 |
| Pasquotank | $5,797 | $483 |
| Pender | $12,015 | $1,001 |
| Perquimans | $5,636 | $470 |
| Person | $2,208 | $184 |
| Pitt | $3,519 | $293 |
| Polk | $1,907 | $159 |
| Randolph | $2,321 | $193 |
| Richmond | $2,613 | $218 |
| Robeson | $4,052 | $338 |
| Rockingham | $2,039 | $170 |
| Rowan | $2,193 | $183 |
| Rutherford | $1,949 | $162 |
| Sampson | $4,007 | $334 |
| Scotland | $2,993 | $249 |
| Stanly | $2,255 | $188 |
| Stokes | $1,908 | $159 |
| Surry | $1,932 | $161 |
| Swain | $1,703 | $142 |
| Transylvania | $1,787 | $149 |
| Tyrrell | $5,264 | $439 |
| Union | $2,316 | $193 |
| Vance | $2,276 | $190 |
| Wake | $2,680 | $223 |
| Warren | $2,359 | $197 |
| Washington | $5,588 | $466 |
| Watauga | $1,777 | $148 |
| Wayne | $3,775 | $315 |
| Wilkes | $1,973 | $164 |
| Wilson | $2,907 | $242 |
| Yadkin | $2,005 | $167 |
| Yancey | $1,885 | $157 |
North Carolina home insurance calculator: Estimate your rates
A North Carolina home insurance calculator helps you estimate rates by ZIP code and coverage level. You can compare the average premium in your area with the highest and lowest rates from major insurers to get a clearer idea of how much you can save by shopping around.
Enter your ZIP code in the search box to see that area's average home insurance rate and the highest and lowest premiums from major insurers. Comparing home insurance rates will give you an idea of how much you can save.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
The North Carolina Department of Insurance says...
When shopping around for policies, inquire about companies' level of coverage and whether or not they offer windstorm and hail protection, or if a separate windstorm and hail or flood policy is right for you. Always talk to your agent and insurance company about your specific policy to make sure you are covered.
- The North Carolina Department of InsuranceHomeowners insurance rates in North Carolina by city
Among major cities, Winston-Salem is the cheapest for home insurance at $1,320 a year. The most expensive city is Wilmington at $10,929 a year.
Rates vary by city, and larger cities have multiple ZIP codes, affecting rates in different parts of the city. As an overview, here are the cheapest and most expensive cities for home insurance in North Carolina.
City Annual insurance premium
Homeowners insurance discounts in North Carolina: How to get lower rates
You can lower North Carolina homeowners insurance costs by bundling policies, adding safety devices and making your home more storm-resistant. Many insurers will lower your bill if you purchase more than one type of insurance policy from them. Bundling can cut your costs in North Carolina by 13%.
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 deadbolts – 1% to 3%
- Installing a sprinkler system, fire and burglar alarm – 1% to 3%
- Loyalty discounts – 14%
Do you need hurricane insurance in North Carolina?
Homeowners insurance for hurricanes in North Carolina requires a combination of coverage. Homeowners insurance can cover wind and rain damage, but coastal homes may need windstorm coverage or a separate policy. Flood damage from storm surge or heavy rain requires separate flood insurance.
It's important to know that homeowners insurance doesn't cover damage from floods. Overland flooding, including sudden flash floods from heavy rain and storm surges caused by hurricanes, is only covered by flood insurance, available through the National Flood Insurance Program (NFIP) as well as private flood insurance companies. The devastation left by Hurricane Helene in North Carolina highlighted the importance of flood insurance.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 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:
- 2% hurricane deductible where appropriate.
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Sources:
North Carolina Department of Insurance. "Commissioner Causey negotiates settlement on Rate Bureau's homeowners insurance request." Accessed June 2026.
FAQ: 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 require 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 repair cost. You will be responsible for that amount.
What should I do if I can’t get a home insurance policy in North Carolina?
The North Carolina Joint Underwriting Association offers the FAIR plan for homeowners who can't get coverage elsewhere. It is a last-resort option for homeowners who cannot find coverage elsewhere and provides basic property coverage, but it can cost more than a standard policy.
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.
When you contact the Department of Insurance, you'll need the insurance company's name, policy number, claim number and related documents, such as photos and letters.
How long does a company have to settle my claim in North Carolina?
No specified time is required to settle a claim in North Carolina, though the insurer must acknowledge receipt of your claim within 30 days.
Compare North Carolina homeowners insurance rates with other states
