Best Home and Auto Insurance North Carolina

Below are our picks for the best home and auto insurance bundling companies in North Carolina:

State Farm stands out as the most affordable choice for home and auto insurance, making it a top recommendation for non-military drivers. Among the insurers reviewed, it offers the widest array of discounts across both policy types, including a substantial 13% savings for bundling home and auto coverage. While its coverage options are standard, the company received a customer satisfaction score of 664 out of 1,000 for both auto and home insurance in the state, as reported by J.D. Power.

Nationwide is the most expensive option for home and auto insurance bundles in North Carolina but stands out for its significant 26% bundling discount — the largest in the state — and robust add-on coverage options. Its SmartRide® program can save you up to 40% on car insurance for safe driving, though the average savings is about 22%. 

Homeowners can access discounts for protective devices and renovations, along with unique coverage features like disappearing deductibles, accident forgiveness and home equipment breakdown coverage. While premiums are higher, Nationwide compensates with valuable discounts and comprehensive policy options.

In North Carolina, the average cost of home and auto insurance is $165 per month, making it $93 less expensive than the national average. However, prices vary significantly based on the provider, with monthly premiums ranging from $105 to $216.

According to our research, bundling insurance policies in North Carolina is typically more cost-effective than buying them separately, though individual quotes can differ. To assist with your comparison, we’ve outlined the average rates for different coverage options from our leading providers, arranged from the lowest to the highest cost.

Bundling your home and auto insurance policies with the same provider is usually a more affordable option in North Carolina compared to buying them separately. That said, evaluating your specific coverage requirements and budget is crucial to determine the best fit for your situation.

State Farm, Nationwide and Kemper are among the leading choices for home and auto insurance North Carolina. Combining these policies often leads to more significant savings than buying them individually. However, it's wise to compare various insurers and obtain quotes to identify the option that best fits your unique requirements.

MoneyGeek offers expert guidance to answer frequently asked questions about home and auto insurance in North Carolina.

MoneyGeek used data from the North Carolina Department of Insurance and Quadrant Information Services to calculate the rates for home and vehicle insurance.

Bundle Scoring System

We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home insurance and auto insurance. Information on each insurer’s bundle discounts was also obtained to evaluate insurers for their savings potential.

Using this information, we calculated a “bundle score” out of 100, taking into account the following weighted categories:

• Score for home insurance: 40%
• Score for auto insurance: 40%
• Score for discounts: 20%

Car, Home and Buyer Profile in North Carolina

MoneyGeek's typical profile is as follows:

• 40-year-old male
• Good driving history
• 2010 Toyota Camry LE
• 12K miles driven annually
• A home with a construction year of 2000

Coverage Levels in North Carolina

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in 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 a homeowners insurance policy that includes the following limits and 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