Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in North Carolina Average homeowners insurance cost in North Carolina Homeowners insurance in North Carolina costs $2,933 per year or $244 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 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 safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in North Carolina costs an average of $2,933 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in North Carolina by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $2,933 a year, based on our analysis.Of all the ZIP codes in North Carolina, 28658 has the most affordable home insurance rates at around $1,744 annually.In North Carolina, State Farm provides the most affordable home insurance at an average annual premium of $1,401. Average home insurance cost in North Carolina by coverage levelIn North Carolina, the annual homeowners insurance cost is $2,933, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $3,670 in North Carolina, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in North Carolina based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,133 $178 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,141 $178 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,933 $244 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,941 $245 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$3,670 $306 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$3,678 $307 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$5,585 $465 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$5,593 $466 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$9,323 $777 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$9,331 $778 In North Carolina, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in North CarolinaIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in North Carolina using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in North Carolina. Based on the analysis, State Farm received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreState Farm$1,162A++0.955Nationwide$3,141A+0.873.93Average homeowners insurance cost by company in North CarolinaState Farm offers the most affordable homeowners insurance in North Carolina, at an average annual premium of $1,401, followed by North Carolina Farm Bureau and Nationwide.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 $1,000 deductible.Company Average annual rate Average monthly rateState Farm$1,401$117North Carolina Farm Bureau$2,514$209Nationwide$5,456$455Erie Insurance$5,936$495USAA$4,492$374North Carolina homeowners insurance rates by ZIP codeInsurance companies in North Carolina assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners 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 you pay for homeowners insurance in North Carolina depends on many factors, including your ZIP code. Our data shows that 28658 ZIP has low-cost home insurance rates in North Carolina, at about $1,744 a year or $145 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in North Carolina.ZIP codeAverage annual rateAverage monthly rate28658$1,744$14528610$1,745$14528168$1,746$14628650$1,747$14628673$1,748$14628609$1,749$14628753$1,766$14728743$1,768$14728716$1,772$14828786$1,774$148Most expensive ZIP codes for home insurance rates in North CarolinaIn North Carolina, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 28480 ZIP pay the highest insurance rates in North Carolina, with an average annual premium of $29,676.Below is a list of some of the most expensive ZIP codes in North Carolina for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate28480$29,676$2,47328428$29,674$2,47328409$29,617$2,46828403$29,545$2,46228461$29,002$2,41728462$28,997$2,41628469$28,902$2,40928524$27,963$2,33028511$27,954$2,33028512$27,925$2,327Home 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 cityCaryCharlotteDurhamFayettevilleFriscoGreensboroRaleighWinston-SalemHome insurance rate trend in North CarolinaWe analyzed home insurance rate trends in North Carolina and found that homeowners insurance rates experienced an overall increase of 6% or $173, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,878$2,760$2,933Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in North Carolina.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 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:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The 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$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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