Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in North Carolina Average renters insurance cost in North Carolina Discover the average cost of renters insurance in North Carolina and how factors like location and coverage levels can impact your rate. 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. | Updated on: January 16, 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. Renters insurance costs in North Carolina vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in North Carolina is $366 per year or $31 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in North Carolina is $366 per year or $31 per month.North Carolina Farm Bureau provides the least expensive renters insurance in North Carolina at an average rate of $157 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in North Carolina. Average renters insurance cost in North Carolina per monthThe average cost of renters insurance in North Carolina is $31 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$31$9 moreAverage renters insurance cost in North Carolina by companyRenters in North Carolina can find the most budget-friendly insurance with North Carolina Farm Bureau, which has an average annual cost of $157, according to our data. Other affordable options include State Farm and Allstate.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in North Carolina.CompanyAverage annual rateAverage monthly rateNorth Carolina Farm Bureau$157$13State Farm$270$23Allstate$308$26Auto-Owners$337$28Nationwide$452$38Erie Insurance$520$43Farmers$641$53USAA$160$13 Renters insurance calculator in North Carolina Select your state North Carolina Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $357/year Estimated renters insurance rates in North Carolina $30 Monthly renters insurance cost in North Carolina 45% Compared to national average Get quotes Average cost of renters insurance in North Carolina by coverage levelOn average, North Carolina renters pay $366 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in North Carolina to $199 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in North Carolina for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$225$19$20,000 with $500 Deductible and $300,000 Liability$234$19$20,000 with $1,000 Deductible and $100,000 Liability$190$16$20,000 with $1,000 Deductible and $300,000 Liability$199$17$40,000 with $500 Deductible and $100,000 Liability$404$34$40,000 with $500 Deductible and $300,000 Liability$413$34$40,000 with $1,000 Deductible and $100,000 Liability$357$30$40,000 with $1,000 Deductible and $300,000 Liability$366$31$60,000 with $500 Deductible and $100,000 Liability$555$46$60,000 with $500 Deductible and $300,000 Liability$564$47$60,000 with $1,000 Deductible and $100,000 Liability$490$41$60,000 with $1,000 Deductible and $300,000 Liability$499$42Average cost of renters insurance in North Carolina by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in North Carolina.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in North Carolina by cityCaryCharlotteDurhamFayettevilleFriscoGreensboroNashvilleRaleighVaughanWinston-SalemShow moreAverage cost of renters insurance in North Carolina by ZIP codeIn North Carolina, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in North CarolinaThe amount North Carolina renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 28701 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $258.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in North Carolina.ZIP codeCityAverage annual rateAverage monthly rate28701Alexander$258$2228704Arden$258$2228709Barnardsville$258$2228710Bat Cave$258$2228711Black Mountain$258$2228715Candler$258$2228726East Flat Rock$258$2228728Enka$258$2228729Etowah$258$2228730Fairview$258$22Least affordable ZIP codes for renters insurance in North CarolinaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in North Carolina is 28469, with an average cost of $963 a year or $80 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in North Carolina. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate28469Ocean Isle Beach$963$8028462Holden Beach$963$8028461Bald Head Island$963$8028443Hampstead$956$8028480Wrightsville Beach$950$7928428Carolina Beach$950$7928409Myrtle Grove$950$7928403Wilmington$950$7928594Emerald Isle$950$7928584Cape Carteret$950$79Final thoughts: Average renters insurance in North CarolinaRenters insurance is a must for North Carolina renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in North-Carolina Average homeowners insurance cost in North Carolina Average car insurance cost in North Carolina Non-owner auto insurance in North Carolina Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles How much does dog liability insurance cost and do you need it? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Guide to off-grid home insurance By Lena Borrelli Guide to the insurance claims history report (CLUE) By Shivani Gite On this page Average renters insurance cost in North Carolina per monthAverage renters insurance cost in North Carolina by companyAverage cost of renters insurance in North Carolina by coverage levelAverage cost of renters insurance in North Carolina by cityAverage cost of renters insurance in North Carolina by ZIP codeFinal thoughts: Average renters insurance in North Carolina ZIP Code Please enter valid ZIP See rates