Best and cheapest homeowners insurance in North Carolina for 2025

Best homeowners insurance companies in North Carolina

The best home insurance company in North Carolina is Erie Insurance. State Farm and Nationwide 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.

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Best home insurance in North Carolina
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Erie Insurance	A+	0.52	4	$3,611
State Farm	A++	0.83	3.94	$1,170
Nationwide	A+	1.05	2.42	$3,149

Read our methodology

Erie Insurance

Erie Insurance is the 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 carries an impressive reputation for customer service.

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.

Nationwide

Nationwide is our No. 3 choice for home insurance in North Carolina. Rates are higher than State Farm, but the company offers plenty of discounts to lower them. Nationwide has a strong AM Best rating and its NAIC ration is just a little above average.

Cheapest homeowners insurance companies in North Carolina

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. State Farm offers the cheapest home insurance in North Carolina for all the five coverage levels.

Cheapest home insurance rates in North Carolina
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
State Farm	$1,110	$1,170	$1,515	$2,128	$3,122
North Carolina Farm Bureau	$1,666	$2,196	$2,731	$4,397	$6,830
Nationwide	$2,237	$3,149	$3,930	$6,502	$11,753
USAA*	$2,355	$3,346	$4,149	$6,014	$9,893
Erie Insurance	$2,712	$3,611	$4,678	$7,168	$11,567

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*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 $2,941 a year, or $245 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

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 for home insurance

North Carolina homeowners insurance rates are the most expensive for ZIP code 28445, with an average annual cost of $8,737.

ZIP code	Annual average rates
28445	$8,737
28443	$8,651
27915	$8,615
27943	$8,559
27936	$8,530
27959	$8,473

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The least expensive ZIP codes in North Carolina for home insurance

ZIP code	Average annual rate
28658	$1,752
28613	$1,752
28610	$1,753
28168	$1,754
28650	$1,755
28602	$1,755

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North Carolina homeowners insurance rates by county

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.

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Average annual premium

$1,754

$7,508

County	Average annual premium	Average monthly premium
Alamance	$2,245	$187
Alexander	$2,095	$175
Alleghany	$1,868	$156
Anson	$2,937	$245
Ashe	$1,846	$154
Avery	$2,087	$174
Beaufort	$6,582	$549
Bertie	$3,166	$264
Bladen	$4,904	$409
Brunswick	$5,791	$483
Buncombe	$1,846	$154
Burke	$1,963	$164
Cabarrus	$2,094	$174
Caldwell	$2,008	$167
Camden	$5,882	$490
Carteret	$6,368	$531
Caswell	$2,166	$181
Catawba	$1,754	$146
Chatham	$2,426	$202
Cherokee	$1,945	$162
Chowan	$7,393	$616
Clay	$1,919	$160
Cleveland	$2,236	$186
Columbus	$5,382	$449
Craven	$7,016	$585
Cumberland	$3,355	$280
Currituck	$6,727	$561
Dare	$5,812	$484
Davidson	$2,281	$190
Davie	$2,074	$173
Duplin	$4,586	$382
Durham	$2,508	$209
Edgecombe	$3,191	$266
Forsyth	$2,112	$176
Franklin	$2,934	$244
Gaston	$2,169	$181
Gates	$2,918	$243
Graham	$1,966	$164
Granville	$2,461	$205
Greene	$3,711	$309
Guilford	$2,210	$184
Halifax	$2,776	$231
Harnett	$3,380	$282
Haywood	$1,811	$151
Henderson	$1,880	$157
Hertford	$2,952	$246
Hoke	$2,985	$249
Hyde	$5,459	$455
Iredell	$2,062	$172
Jackson	$2,021	$168
Johnston	$3,049	$254
Jones	$6,633	$553
Lee	$2,829	$236
Lenoir	$4,554	$380
Lincoln	$2,012	$168
Macon	$1,988	$166
Madison	$1,775	$148
Martin	$3,674	$306
Mcdowell	$1,858	$155
Mecklenburg	$2,280	$190
Mitchell	$2,015	$168
Montgomery	$2,559	$213
Moore	$2,570	$214
Nash	$2,898	$242
New Hanover	$5,721	$477
Northampton	$2,742	$229
Onslow	$6,893	$574
Orange	$2,235	$186
Pamlico	$7,508	$626
Pasquotank	$6,239	$520
Pender	$7,103	$592
Perquimans	$6,868	$572
Person	$2,145	$179
Pitt	$3,789	$316
Polk	$1,962	$163
Randolph	$2,461	$205
Richmond	$3,097	$258
Robeson	$4,291	$358
Rockingham	$2,149	$179
Rowan	$2,281	$190
Rutherford	$2,011	$168
Sampson	$4,060	$338
Scotland	$3,250	$271
Stanly	$2,290	$191
Stokes	$2,090	$174
Surry	$2,072	$173
Swain	$1,832	$153
Transylvania	$2,020	$168
Tyrrell	$6,811	$568
Union	$2,172	$181
Vance	$2,356	$196
Wake	$2,622	$219
Warren	$2,440	$203
Washington	$7,001	$583
Watauga	$1,833	$153
Wayne	$3,465	$289
Wilkes	$1,953	$163
Wilson	$3,126	$261
Yadkin	$2,036	$170
Yancey	$1,907	$159

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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.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

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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 Insurance

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.

Home insurance rates by city
City	Average annual rate
Wilmington	$5,994
Fayetteville	$3,333
Raleigh	$2,624
Cary	$2,608
Durham	$2,487
Charlotte	$2,277
High Point	$2,238
Greensboro	$2,214
Winston-Salem	$2,119
Concord	$2,092

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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 Insurance.com’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

Hurricane insurance in North Carolina

Homeowners insurance for hurricanes in North Carolina requires a combination of coverage. Your homeowners insurance likely covers damage from wind and rain, although in some areas you may need to add a windstorm endorsement or policy.

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 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 202.5

Sources:

North Carolina Department of Insurance. "Commissioner Causey negotiates settlement on Rate Bureau's homeowners insurance request." Accessed January 2025.

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.