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Cheap Home Insurance in North Carolina

Compare home insurance across North Carolina — pick your city or ZIP for local rates, or get free quotes now.

Short answer: home insurance in North Carolina depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in North Carolina is about $1,621 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
North Carolina home insurance basics
Home insurance in North Carolina is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium: ~$1,621/yr (NAIC, 2022). Verify with the state insurance department →

Cities in North Carolina

Charlotte, NC
Raleigh, NC
Greensboro, NC
Durham, NC
Winston-Salem, NC
Fayetteville, NC
Cary, NC
Wilmington, NC
High Point, NC
Greenville, NC
Asheville, NC
Concord, NC
Gastonia, NC
Jacksonville, NC
Chapel Hill, NC

North Carolina home insurance FAQ

How much is home insurance in North Carolina?

The average annual home insurance premium in North Carolina is about $1,621 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.

How do I get cheap home insurance in North Carolina?

Compare multiple carriers, bundle policies, and check local North Carolina discounts. Get free quotes in a couple of minutes.

Also compare auto insurance in North Carolina →