Home insurance cost in North Carolina
About $3,025 a year, or $252 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,025
a year
A month
$252
Rank
31 of 51
1 = cheapest; +21% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Florida | $2,845 | 29 |
| Indiana | $2,985 | 30 |
| North Carolina | $3,025 | 31 |
| South Carolina | $3,205 | 32 |
| Georgia | $3,225 | 33 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in North Carolina?
About $3,025 a year, or $252 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in North Carolina expensive?
North Carolina ranks 31 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for North Carolina: monthly budget · take-home pay · rent.