Average insurance rates across 124 cities in North Carolina
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Charlotte | 874,579 | $2,016 | $1,536 | $586/mo | $16/mo |
| Raleigh | 467,665 | $2,058 | $1,568 | $588/mo | $17/mo |
| Greensboro | 299,035 | $1,869 | $1,424 | $580/mo | $15/mo |
| Asheville | 294,013 | $1,953 | $1,488 | $584/mo | $16/mo |
| Concord | 288,783 | $1,953 | $1,488 | $584/mo | $16/mo |
| Durham | 283,506 | $2,016 | $1,536 | $586/mo | $16/mo |
| Winston-Salem | 249,657 | $1,848 | $1,408 | $579/mo | $15/mo |
| Fayetteville | 208,501 | $1,827 | $1,392 | $578/mo | $15/mo |
| Hickory | 206,008 | $1,953 | $1,488 | $584/mo | $16/mo |
| Gastonia | 178,220 | $1,953 | $1,488 | $584/mo | $16/mo |
| Cary | 174,721 | $2,142 | $1,632 | $592/mo | $17/mo |
| Burlington | 147,415 | $1,953 | $1,488 | $584/mo | $16/mo |
| Greenville | 127,574 | $1,953 | $1,488 | $584/mo | $16/mo |
| Wilmington | 115,451 | $1,995 | $1,520 | $586/mo | $16/mo |
| High Point | 114,059 | $1,806 | $1,376 | $578/mo | $15/mo |
North Carolina residents pay an average of $2,100 per year for home insurance and $1,600 for auto insurance. North Carolina follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 30/60/25.
Health insurance in North Carolina averages $590 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in North Carolina include State Farm, NC Farm Bureau, Erie Insurance.
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Policygenius The ZebraThe average home insurance cost in North Carolina is $2,100 per year. Rates range from $1,300 to $3,100 depending on home value, location, and coverage level.
Auto insurance in North Carolina averages $1,600 per year for full coverage. The state minimum coverage is 30/60/25.
North Carolina has moderate insurance costs, with home insurance at $2,100/yr and auto at $1,600/yr compared to national averages of $2,300 and $1,800 respectively.
North Carolina requires minimum liability coverage of 30/60/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.