Below are our picks for the best home and auto insurance bundling companies in North Carolina:
Best Home and Auto Insurance in North Carolina
Updated: April 7, 2025
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Key Takeaways
State Farm and Nationwide are the top home and auto insurance options in North Carolina.
State Farm offers the best home and car insurance discount, with savings of 13% on auto and 35% on home insurance.
The average annual home and auto insurance cost in North Carolina is $1,979, about 36% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in North Carolina?
| State Farm | 87 | $1,256 | $345 |
| Nationwide | 85 | $2,594 | $929 |
| Kemper | No Data | $2,087 | $279 |
State Farm: Best Cheap Home and Auto Insurance in North Carolina
State Farm provides the cheapest home and auto insurance in North Carolina, with the largest bundling discount: 13% on car and 35% on home insurance. It offers additional savings through its Drive Safe and Save program and several young driver programs. State Farm ranks seventh for auto and home insurance in J.D. Power customer satisfaction studies.
| Auto | $863 | $133 | 13% |
| Home | $393 | $212 | 35% |
Nationwide: Best Home and Auto Insurance Coverage Options in North Carolina
Nationwide may not always have the lowest home and auto insurance rates, but it offers several money-saving opportunities, including a $929 discount for bundling policies. Safe drivers can save up to 40% with SmartRide, the company's usage-based insurance program. Nationwide's unique coverage options include a disappearing deductible, accident forgiveness and protection against home equipment breakdowns.
| Auto | $656 | $76 | 10% |
| Home | $1,938 | $853 | 31% |
North Carolina Home and Auto Insurance Cost
North Carolina's average monthly home and auto insurance cost is $165, much lower than the national average of $258. Depending on the provider, monthly rates range from $105 to $216.
| North Carolina home and auto insurance bundle | $1,979 | $1,114 | -36% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
North Carolina Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in North Carolina is more expensive, your quotes may differ. Below are the averages of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| Nationwide | State Farm | $1,337 |
| Kemper | State Farm | $1,777 |
| Nationwide | Kemper | $1,927 |
| State Farm | Kemper | $2,190 |
| State Farm | Nationwide | $3,787 |
| Kemper | Nationwide | $3,963 |
Should I Bundle Home and Auto Insurance in North Carolina?
For North Carolina drivers, bundling home and auto insurance is often more affordable than buying them separately. Evaluate your coverage needs and financial situation to determine the best option.
Bundling discounts cost less than individual policies
In North Carolina, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $1,337, while bundling brings it down to $1,256.
Bundling makes policy management convenient
Bundling policies simplifies insurance management through one account, saving you time and hassle.
In rare cases, it might be better not to bundle in North Carolina
Purchasing nonbundle insurance may not help you save more money, but it can provide more flexibility in coverage options.
Best Auto and Home Insurance in North Carolina: Bottom Line
State Farm and Nationwide are the top choices for bundling home and auto insurance in North Carolina. Bundling saves money compared to buying separate policies. Compare several companies and get personal quotes to find the best deal for your situation.
Home and Auto Insurance in North Carolina: FAQ
Find expert answers to North Carolina home and auto insurance questions here:
Who has the best home and auto insurance in North Carolina?
State Farm is the best cheap home and auto insurance provider in North Carolina, while Nationwide is the best for coverage options.
Who has the cheapest home and auto insurance in North Carolina?
State Farm has the cheapest home and auto bundle in North Carolina at $1,256 per year. This saves $345 (22%) below the state average.
How much does home and auto insurance in North Carolina cost on average?
The average annual premium for a home and auto insurance bundle in North Carolina is $1,979, about 36% cheaper than the national average.
Is bundling home and auto insurance cheaper in North Carolina?
Bundling home and auto insurance is cheaper in North Carolina. While seeking the most affordable option, ensure your coverage protects against major financial losses.
Best Auto and Home Insurance Bundle in North Carolina: Our Methodology
Bundle Scoring System
MoneyGeek used data from the North Carolina Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in North Carolina
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in North Carolina
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.