Raleigh Insurance Rates:

Raleigh, NC home insurance is about $523 to $709, about $43-$59/month. Our extensive research shows customers can save as much as $246 by getting different quotes

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Raleigh Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $490/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1130 sqft Vacation Property Constructed In 2000 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 2700 sqft Seasonal Residence Constructed In 1986 with Wood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1400 sqft Seasonal Residence Constructed In 2013 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1250/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 3010 sqft Primary Residence Constructed In 1994 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $990/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 1750 sqft Rental Property Constructed In 2010 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Female who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1940/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $465,000

5 Beds, 5 Baths 4530 sqft Seasonal Residence Constructed In 1995 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $320/3 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1388 sqft Rental Property Constructed In 2005 with Wood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

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Raleigh Rates & Quotes Analysis:

Raleigh Area Estimated House Insurance
Noble Rd, Stemmons Ct, Delco Ct, Hillston Ridge Rd, Ashley Ridge Dr, Common Oaks Dr, Olson Dr, Watkins Rd, Whisperwood Dr, Nowell Rd$656
Taymouth Ct, Lorraine Rd, Blalock Ct, Pasquotank Dr, Shillingstone Pl, Sherborne Pl, Valley Ct, Hudson Ct, River Lake Cir, Willington Pl$753
Burleigh Manor Dr, S State St, Bartholomew Cir, Beret Ct, Great Meadows Ct, Ramseur St, Hardimont Rd, Meeting House Cir, Bryan Pl, Evergreen Chase Way$591
Castain Dr, Massey Wood Trl, State Rd 1789, Heather Garden Way, Centway Park Dr, Burt Dr, Billingham Ct, Corning Rd, Strath Ln, Jasmine Cove Way$659
Powis Cir, Seaboard Ave, Brady Hollow Way, Pastille Ln, Willow Creek Dr, Viewmont Dr, Marshall Brae Dr, Mine Valley Rd, Lake Moraine Pl, State Rd 1006$595
Poplar Dr, Lydford Pl, Creel Ct, Downs Ct, Galax Dr, Lakeside Ter, Hillcrest Rd, Stadler Dr, Pullen Rd, Loon Ln$598
Bobbitt Dr, Kushima Ct, Noel Ct, Stringbean Rd, Bentpine Dr, Serendipity Dr, Sugar Maple Ct, Thrush Ridge Ln, Katharina Ct, Buckridge Ct$610
Lead Crystal Ct, Sitwell Ct, Mill Rock Ln, Walters Dr, Centennial Woods, Elmhurst Ridge Ct, Mt Herman Rd, Trusty Trl, Attingham Dr, Dawnbrook Dr$604
Franks Dr, Davis St, Hawksmoor Dr, Dallas St, State Rd 2577, Stonewall Dr, Rampart St, Royal Birkdale Dr, Casona Way, Heritage View Trl$636
Saint Lenville Dr, Coxindale Dr, Doverton Ct, Woodtrail Ln, N Radner Way, Maylands Ave, Angel Falls Rd, Mainstream Dr, Wilders Grove Ln, Deep Hollow Dr$665

Insurance rates are influenced by a number of factors including:

  • Year Built: 36,374 Homes (20% of total homes ) built between 1990 to 1999 in Raleigh are paying home insurance between $888-$898. Places close to Raleigh, NC such as Wake County, Meredith, Leesville are more expensive by $10, $34, $35 respectively while St. Matthews and Knightdale are cheaper by $21 and $17 respectively for similar homes.
  • Bedrooms: 27,177 4 bedrooms homes (15% of total homes ) in Raleigh are paying about $745 and differs from Wake County (+$8), Meredith (+$28), Leesville (+$23), St. Matthews (-$18) and Knightdale (-$21).
  • Auto Insurance Bundling: 16,547 Households (19% of all households) in Raleigh have 3 or more vehicles available and when it is bundled with home insurance you can save $154. Discounts for similar bundling in close by locations such as Wake County, House Creek, Meredith come to $155, $155, $159 respectively.
  • Senior Discounts: 30,692 seniors (more than 55 years) occupied housing units (35% of total) in Raleigh get discounts between $92 to $94. The comparative concessions in proximate regions such as Wake County, Meredith and Neuse are $93, $95 and $92 respectively.
  • New Homes discounts: New homes such as the 97,151 homes built between 2000 to 2009 in Raleigh can save $123 and similar new home insurance discounts in nearby towns and cities like Wake County, House Creek and Meredith are $124, $124 and $127 respectively.

Raleigh Homeowners insurance Facts

  • Raleigh, NC has 85,780 owner occupied houses which is 53.6% of all units whereas Wake County, House Creek and Meredith have 65.84%, 53.82% and 43.53% respectively.
  • Raleigh, NC homeowners yearly insurance price at $616 is 0.3% of the typical house value of $208,000 which is in contrast with 0.27% in Wake County, 0.27% at House Creek & 0.23% in Meredith.
  • Homeowners in Raleigh, NC pay 3.52% of their income ($15,000 to $19,999) in insurance whereas homeowners in Wake County, House Creek and Meredith pay 3.56%, 3.56% and 3.65% respectively.
  • Raleigh, NC’s insurance is 3.5% of monthly housing costs of $1,481/month, for owners with a mortgage compared to 3.25% in Wake County, 3.37% at House Creek & 2.93% in Meredith. But, for households without a mortgage, insurance is 10.5% of costs ($490 in Raleigh, NC) in contrast with 11.12% in Wake County, 10.53% at House Creek & 11.26% in Meredith.

Raleigh, NC Home Values & Insurance rates

For example, insurance for 10,321 Homes (14.0% of total homes ) valued between $300,000 to $399,999 in Raleigh, NC is about $1,034. Rates in nearby areas in such as Wake County, House Creek, Meredith are cheaper by $94, $94, $236 respectively while St. Matthews and Knightdale are costlier by $282 and $198 respectively for similar homes.

Raleigh, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,599 2.0% $73
$80,000 to $89,999 1,019 1.0% $246
$90,000 to $99,999 1,273 1.0% $277
$100,000 to $124,999 6,235 8.0% $320
$125,000 to $149,999 10,161 13.0% $406
$150,000 to $174,999 10,783 14.0% $480
$175,000 to $199,999 8,367 11.0% $554
$200,000 to $249,999 13,162 18.0% $665
$250,000 to $299,999 8,538 11.0% $813
$300,000 to $399,999 10,321 14.0% $1034

Renters Insurance in Raleigh

  • Average Renters Insurance in Raleigh :  $83($6/month)

  • Median Gross Rent in Raleigh :  $875

  • Raleigh Renters Insurance to Median Rent Ratio:  0.69%

  • Average household size of renter-occupied unit :  2.29

Raleigh Renters Insurance as a Percentage of Rent

Raleigh Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 790 1.0% $320
$200 to $299 1,182 1.0% $770
$300 to $499 2,732 3.0% $1220
$500 to $749 16,068 22.0% $1895
$750 to $999 28,580 39.0% $2645
$1,000 to $1,499 19,004 26.0% $3770
$1,500 or more 4,625 6.0% $5420

Rent Affordability in Raleigh:

Approximately 43.0% (32,409) of households are spending more than 35% of their income on gross rent in Raleigh

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 8,143 10.0%
15.0 to 19.9 percent 9,805 13.0%
20.0 to 24.9 percent 9,120 12.0%
25.0 to 29.9 percent 8,429 11.0%
30.0 to 34.9 percent 6,334 8.0%
35.0 percent or more 32,409 43.0%

Protective device discount in Raleigh Up to :  $12

Claims-free discount in Raleigh Up to :  $16

Raleigh, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
27608 $472,800 $710
27605 $369,400 $670
27614 $344,800 $660
27607 $331,200 $660
27613 $298,500 $660
27612 $291,100 $660
27615 $274,400 $650
27606 $244,400 $640
27609 $235,600 $630
27603 $188,100 $610
27616 $170,200 $610
27601 $161,600 $610
27604 $161,000 $610
27610 $144,400 $600