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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 month

The 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 more

Average renters insurance cost in North Carolina by company

Renters 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 rate
North Carolina Farm Bureau$157$13
State Farm$270$23
Allstate$308$26
Auto-Owners$337$28
Nationwide$452$38
Erie Insurance$520$43
Farmers$641$53
USAA$160$13

Renters insurance calculator in North Carolina

$357/year
Estimated renters insurance rates in North Carolina
$30
Monthly renters insurance cost in North Carolina
45%
Compared to national average

Average cost of renters insurance in North Carolina by coverage level

On 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$42

Average cost of renters insurance in North Carolina by city

Renters 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 city

Average cost of renters insurance in North Carolina by ZIP code

In 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 Carolina

The 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 rate
28701Alexander$258$22
28704Arden$258$22
28709Barnardsville$258$22
28710Bat Cave$258$22
28711Black Mountain$258$22
28715Candler$258$22
28726East Flat Rock$258$22
28728Enka$258$22
28729Etowah$258$22
28730Fairview$258$22

Least affordable ZIP codes for renters insurance in North Carolina

Among 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 rate
28469Ocean Isle Beach$963$80
28462Holden Beach$963$80
28461Bald Head Island$963$80
28443Hampstead$956$80
28480Wrightsville Beach$950$79
28428Carolina Beach$950$79
28409Myrtle Grove$950$79
28403Wilmington$950$79
28594Emerald Isle$950$79
28584Cape Carteret$950$79

Final thoughts: Average renters insurance in North Carolina

Renters 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 states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Idaho$184/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Missouri$231/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
Nevada$246/Year
New York$293/Year
Ohio$252/Year
Oklahoma$281/Year
Oregon$288/Year
Pennsylvania$274/Year
Rhode Island$476/Year
South Dakota$202/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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Shivani Gite
Contributing Writer

 
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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.

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