Renters and home insurance rates in North Carolina
The NAIC's published average premiums for North Carolina by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $170
- average homeowners premium (HO-3), per year
- $1,621
- renter households
- 1,408,252
By county
By county
| Mecklenburg County | 202,679 | $1,521 | $371,200 |
|---|---|---|---|
| Wake County | 158,527 | $1,508 | $422,800 |
| Guilford County | 86,410 | $1,108 | $234,900 |
| Durham County | 62,296 | $1,415 | $351,700 |
| Cumberland County | 59,376 | $1,156 | $183,700 |
| Forsyth County | 58,114 | $1,046 | $227,800 |
| New Hanover County | 40,233 | $1,343 | $353,700 |
| Buncombe County | 36,513 | $1,281 | $360,000 |
| Pitt County | 36,020 | $971 | $194,300 |
| Gaston County | 31,542 | $1,085 | $235,000 |
| Onslow County | 28,308 | $1,198 | $219,500 |
| Alamance County | 23,538 | $1,007 | $221,200 |
| Cabarrus County | 22,397 | $1,303 | $318,600 |
| Iredell County | 21,084 | $1,183 | $292,300 |
| Orange County | 20,187 | $1,387 | $428,500 |
| Johnston County | 18,845 | $1,007 | $267,600 |
| Davidson County | 18,136 | $863 | $200,100 |
| Wayne County | 18,042 | $932 | $162,700 |
| Catawba County | 17,787 | $891 | $218,100 |
| Rowan County | 16,610 | $990 | $216,100 |
| Randolph County | 15,568 | $857 | $171,600 |
| Union County | 14,928 | $1,390 | $374,400 |
| Harnett County | 14,838 | $1,080 | $220,700 |
| Robeson County | 14,695 | $784 | $88,600 |
| Nash County | 13,837 | $924 | $171,100 |
| Wilson County | 13,443 | $915 | $171,800 |
| Henderson County | 13,002 | $1,120 | $317,800 |
| Craven County | 12,464 | $1,100 | $206,200 |
| Cleveland County | 10,922 | $835 | $180,200 |
| Rockingham County | 10,788 | $789 | $156,000 |
| Brunswick County | 10,413 | $1,267 | $314,700 |
| Moore County | 10,133 | $1,181 | $315,300 |
| Lenoir County | 9,342 | $814 | $111,400 |
| Burke County | 9,050 | $805 | $170,500 |
| Caldwell County | 8,515 | $735 | $174,000 |
| Lee County | 8,396 | $962 | $213,800 |
| Carteret County | 8,266 | $1,062 | $304,200 |
| Watauga County | 8,225 | $1,066 | $321,500 |
| Edgecombe County | 7,933 | $818 | $116,800 |
| Surry County | 7,832 | $741 | $166,400 |
| Lincoln County | 7,683 | $977 | $279,500 |
| Halifax County | 7,403 | $776 | $102,500 |
| Wilkes County | 7,034 | $715 | $161,400 |
| Rutherford County | 6,890 | $748 | $180,800 |
| Vance County | 6,857 | $860 | $146,300 |
| Jackson County | 6,794 | $855 | $253,900 |
| Haywood County | 6,689 | $1,052 | $254,900 |
| Stanly County | 6,439 | $830 | $214,300 |
| Chatham County | 6,317 | $1,066 | $397,800 |
| Duplin County | 6,021 | $815 | $123,200 |
| Franklin County | 6,004 | $988 | $240,900 |
| Richmond County | 5,954 | $744 | $120,800 |
| Sampson County | 5,802 | $811 | $128,400 |
| Beaufort County | 5,712 | $859 | $181,200 |
| Pasquotank County | 5,376 | $1,146 | $223,300 |
| Columbus County | 5,334 | $775 | $128,300 |
| Hoke County | 5,313 | $1,047 | $196,000 |
| Granville County | 5,188 | $1,008 | $235,700 |
| Scotland County | 5,088 | $766 | $109,900 |
| McDowell County | 4,788 | $741 | $168,300 |
| Pender County | 4,391 | $1,072 | $267,100 |
| Macon County | 4,279 | $791 | $229,000 |
| Stokes County | 4,187 | $766 | $186,800 |
| Person County | 3,909 | $796 | $192,800 |
| Dare County | 3,662 | $1,307 | $425,400 |
| Transylvania County | 3,629 | $909 | $336,100 |
| Bladen County | 3,508 | $752 | $125,800 |
| Yadkin County | 3,413 | $734 | $176,400 |
| Martin County | 2,950 | $729 | $109,900 |
| Anson County | 2,859 | $849 | $119,300 |
| Davie County | 2,803 | $889 | $235,300 |
| Hertford County | 2,800 | $806 | $111,100 |
| Montgomery County | 2,707 | $753 | $150,300 |
| Ashe County | 2,594 | $774 | $221,900 |
| Alexander County | 2,547 | $745 | $190,000 |
| Warren County | 2,399 | $771 | $124,700 |
| Greene County | 2,369 | $845 | $114,000 |
| Cherokee County | 2,137 | $800 | $208,700 |
| Caswell County | 2,077 | $699 | $151,200 |
| Polk County | 2,038 | $1,089 | $281,100 |
| Northampton County | 2,035 | $749 | $102,200 |
| Yancey County | 1,864 | $807 | $222,300 |
| Madison County | 1,853 | $764 | $263,500 |
| Chowan County | 1,816 | $766 | $204,400 |
| Bertie County | 1,792 | $824 | $95,800 |
| Swain County | 1,561 | $715 | $209,800 |
| Perquimans County | 1,522 | $1,061 | $211,600 |
| Washington County | 1,512 | $829 | $107,000 |
| Mitchell County | 1,438 | $744 | $202,100 |
| Currituck County | 1,436 | $1,126 | $351,200 |
| Avery County | 1,314 | $791 | $233,200 |
| Alleghany County | 1,158 | $755 | $199,000 |
| Clay County | 1,017 | $791 | $263,300 |
| Jones County | 954 | $725 | $122,600 |
| Pamlico County | 872 | $909 | $209,800 |
| Gates County | 747 | $940 | $163,900 |
| Camden County | 641 | $1,220 | $289,800 |
| Graham County | 635 | $581 | $155,800 |
| Hyde County | 602 | $1,237 | $119,600 |
| Tyrrell County | 305 | $612 | $138,400 |
Download the North Carolina county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
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The average annual renters insurance premium in North Carolina was $170 in 2022, across 1,408,252 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: North Carolina", updated 2026-08-17, https://homecoverhq.com/rates/north-carolina/.