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The average cost of home insurance in North Carolina is $2,768 a year, or $231 a month, very close to the national average of $2,777. However, you can get cheaper homeowners insurance in North Carolina by shopping around.

State Farm is the cheapest home insurance company in North Carolina, with an average rate of $1,291 a year, or $108 a month. State Farm also ranked as the best home insurance in the state based on our analysis of rates, complaints and financial stability.

North Carolina home insurance rates vary by location and coverage level and may include a hurricane deductible that can affect rates, so it's important to compare rates for your needs.

Key takeaways

  • State Farm is the cheapest home insurance company in North Carolina, with an average rate of $129 a month.
  • State Farm also ranked as the best home insurance company in North Carolina based on an analysis of rates, customer complaints and financial stability.
  • North Carolina insurers can include hurricane deductibles, affecting home insurance rates.

How much is home insurance in North Carolina?

The average annual cost of home insurance in North Carolina is $2,768. 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.

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 AM Best financial ratings, NAIC complaint ratios and average annual rates.

State Farm ranked as the best home insurance company in North Carolina thanks to low rates and the highest possible score with AM Best.

Best home insurance companies in North Carolina
CompanyAM BestNAIC Complaint RatioAverage annual score
State FarmA++1.07$1,2914.86
North Carolina Farm BureauA+0.29$1,7944.53
Erie InsuranceA+0.23$3,5543.45
United Insurance HoldingsA-6.68$3,1302.36

Cheapest homeowners insurance companies in North Carolina

State Farm, North Carolina Farm Bureau and USAA are the cheapest homeowners insurance companies in North Carolina, based on a 2022 rate analysis by USAA is only available to military families.

Each carrier uses a proprietary method to calculate rates, which is why prices differ. Experts recommend getting three to five price quotes when shopping for coverage.

Below are average home insurance rates from top companies in North Carolina at several different dwelling coverage levels. These rates include $300,000 in liability and a $1,000 deductible with a 2% deductible for hurricanes.

Cheapest home insurance rates in North Carolina by coverage level
State Farm$1,215$1,291$1,515$1,772$1,959
North Carolina Farm Bureau$1,270$1,794$2,204$2,685$2,948
United Insurance Holdings$2,122$3,130$3,964$4,666$5,279
Erie Insurance$2,598$3,554$4,125$4,726$5,264

North Carolina homeowners insurance rates by ZIP code

Many factors affect home insurance rates. Chief among them is where you live, so rates vary greatly depending on your ZIP code.

The most expensive ZIP codes in North Carolina are:

ZIP codeAverage annual rate

The least expensive ZIP codes in North Carolina are:

ZIP codeAverage annual rate

North Carolina home insurance calculator

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.


Average home insurance rates in FLORIDA

33315 - Fort Lauderdale
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in Florida

Most Expensive

Zip CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273

Least Expensive

Zip CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

Homeowners insurance rates in North Carolina by city

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.

Cheapest cities in North Carolina:

CityAverage annual rate

Most expensive cities in North Carolina:

CityAverage annual rate
North Topsail Beach$7,857
Holly Ridge$7,857

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 deadbolts – 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

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 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.

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.

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. commissioned Quadrant Data Services to provide home insurance rates across multiple ZIP codes in North Carolina at several coverage levels based on 2022 averages. The best insurance companies are rated based on J.D. Power's consumer surveys, AM Best ratings, and average rates and discount amounts provided by Quadrant. The content is updated for 2024.

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