Home Home insurance Renters insurance Renters insurance cost Cheap renters insurance in North Carolina Cheap renters insurance in North Carolina By Insure.com's Editor | Posted on February 6, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Looking for cheap renters insurance in North Carolina? Consider getting quotes from North Carolina Farm, USAA and Allstate. In our analysis these companies offer the cheapest rates of all the carriers surveyed. But it’s smart to get multiple quotes for North Carolina renters insurance because the prices vary a lot among carriers. Below is the list of cheapest renters insurance companies in North Carolina: North Carolina FarmUSAAState FarmAllstatePhoenix Cheapest renters insurance companies in North Carolina According to Insure.com’s analysis, North Carolina Farm offers the cheapest renters insurance in North Carolina at about $169 a year or $14 per month. USAA is in second place with an average annual rate of $210. However, the cost of your premium may vary depending on factors specific to you. CompanyAverage annual rateAverage monthly rateNorth Carolina Farm$169$14USAA$210$18State Farm$240$20Allstate$250$21Phoenix$266$22Liberty$268$22Nationwide$271$23Automobile Ins Co Of Hartford CT$292$24Safeco$416$35 Average cost of renters insurance in North Carolina by coverage level The average cost of renters insurance in North Carolina is $166 per year or $14 per month. These rates are for coverage level of $20,000 for personal property, $300,000 for liability protection and $1000 as deductible. Whereas, renters insurance costs $297 annually for coverage limit of $40,000 as personal property, $300,000 for liability and $1000 deductible. Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate$20,000$166$14$40,000$297$25$60,000$419$35 Most affordable ZIP codes for renters insurance in North Carolina 28168 is the most affordable zip code for renters insurance in North Carolina. Our insurance experts have analyzed price quotes from all the major carriers in North Carolina and put together a list of the most affordable zip codes with cheapest renters insurance. ZIP codeAverage annual rateAverage monthly rate28168$214$1828605$215$1828615$216$1828702$234$2028708$235$2027207$236$2028604$238$2027054$243$2027012$249$2127701$251$21 Least affordable ZIP codes for renters insurance in North Carolina Of all the zip codes analyzed by Insure.com, 28403 is the least affordable zip code for renters insurance in North Carolina. Its average annual rate for North Carolina renters is $554 a year or $46 per month. The insurance rates in a city can vary depending on many factors, such as crime rate and weather. A population with a low crime rate will have much lower premiums in comparison to other areas. ZIP codeAverage annual rateAverage monthly rate28403$554$4628461$553$4628511$552$4628512$551$4628443$549$4628445$539$4527960$500$4227948$499$4227915$490$4128520$421$35 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 moreRenters and auto bundle discounts in North Carolina Bundling with your auto insurance is a great way to save money on renters coverage. If you purchase your auto and renters insurance policies from the same company you can save an average of $79 per year in North Carolina. Below is a list of companies that offer cheap rates upon bundling and you can also find how much you will have to pay if you don’t bundle your policies. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsState Farm$985$1,063$787%Erie$1,060$1,125$656%Government Employees $1,140$1,173$333%Nationwide$1,158$1,258$1008%Geico$1,265$1,283$181%Allstate$2,331$2,512$1817% How much is renters insurance in other statesAlaska$165/YearAlabama$377/YearArkansas$313/YearArizona$255/YearCalifornia$225/YearColorado$221/YearConnecticut$246/YearDelaware$262/YearFlorida$208/YearGeorgia$454/YearHawaii$166/YearIowa$245/YearIdaho$232/YearIllinois$245/YearIndiana$238/YearKansas$274/YearKentucky$295/YearLouisiana$417/YearMassachusetts$269/YearMaryland$194/YearMaine$206/YearMichigan$352/YearMinnesota$362/YearMissouri$279/YearMississippi$393/YearMontana$201/YearNorth Dakota$338/YearNebraska$226/YearNew Hampshire$171/YearNew Jersey$249/YearNew Mexico$261/YearNevada$259/YearNew York$230/YearOhio$282/YearOklahoma$380/YearOregon$189/YearPennsylvania$200/YearRhode Island$263/YearSouth Carolina$267/YearSouth Dakota$160/YearTennessee$239/YearTexas$251/YearUtah$267/YearVirginia$220/YearVermont$128/YearWashington$174/YearWisconsin$191/YearWest Virginia$240/YearWyoming$150/YearShow more In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Home insurance claims – How to file and what you should know By Chris Kissell Homeowners insurance basics By Shivani Gite Guide to additional living expenses coverage By Lena Borrelli What is dwelling coverage and how much do you need? By Lena Borrelli Does homeowners insurance cover water leaks? By Nupur Gambhir Cost of living comparison by state By Chris Kissell Table of contents Cheapest renters insurance companies in North Carolina Average cost of renters insurance in North Carolina by coverage level Most affordable ZIP codes for renters insurance in North Carolina Least affordable ZIP codes for renters insurance in North Carolina Renters and auto bundle discounts in North Carolina Get instant quotes now ! Please enter valid zip Get quote