Rocky Mount Insurance Rates:

Rocky Mount, NC home insurance is approximately $496 to $673, about $41-$56/month. Our all inclusive analysis reveals consumers can save as much as $233 by comparing many quotes

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Read Rocky Mount, North Carolina Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Rocky Mount Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $470/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1460 sqft Primary Residence Constructed In 1996 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $360/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 3280 sqft Seasonal Residence Constructed In 1968 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 650-699 Credit Score

Home Insurance Rate of $100/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1340 sqft Seasonal Residence Constructed In 1982 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Female who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $380/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 3140 sqft Primary Residence Constructed In 2014 with Stone Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $30/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1400 sqft Seasonal Residence Constructed In 1988 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $130/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 2500 sqft Rental Property Constructed In 1971 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $350/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 2860 sqft Rental Property Constructed In 2012 with Linoleum, Tile Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 3310 sqft Primary Residence Constructed In 2006 with Linoleum, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $70/1 month for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1330 sqft Primary Residence Constructed In 2005 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Rocky Mount, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
27801 $81,700 $580
27803 $116,600 $590

Rocky Mount Rates & Quotes Analysis:

Rocky Mount Area Estimated House Insurance
Logan Trl, US Hwy 301 Byp, N Mayo St, Womble Rd, Old Mill Rd, Bristol Ct, State Rd 1778, Englewood Dr, Tracy Way, State Rd 1645$583
York St, Greenbriar Dr, S Stonybrook Rd, Isabella Ln, Bowie Pl, Center St, Sheffield Dr, Bessie Cir, Carriage Farm Rd, Pole Cat Ln$591
State Rd 1545, US Hwy 301 Byp, State Hwy 4, Autry Rd, Pamela Rhue Ln, Baybrook Rd, Wrenn Ln, Beechwood Dr, State Rd 1700, Sparrow Hawk Ln$597
Winterhaven Dr, State Rd 1601, Big Jim Rd, Eleanor Pl, Ethridge St, Travis Rd, Holland Ln, State Rd 1532, Patrick Ct, Raper Rd$601
Burton St, Ridgemeadow Ln, Gadwall Ct, Nelson St, Belgreen Dr, Sarah Ruppert Rd, Pinewood Ave, Shade Tree Ln, Regency Dr, Ridgewood Dr$602
State Rd 1553, Pittman St, Marvelle Ave, Adams Ridge Rd, E Gypsy Trl, Winstead Rd, Moses Ct, Lark Ln, Melrose Dr, State Rd 1543$587
N Pearl St, Bramblebush Ct, Irene Ln, State Rd 1852, Thorpe Rd, Simmons St, Golden Eye Cv, Woods Walk Way, State Rd 1548, Kimberly Jo Dr$594
W Castalia Rd, Plantation Dr, High Meadows Ests, Beagle Dr, Sapphire Rd, Noell Ln, South St, Chester St, Northern Estates Cir, Sherwood Dr$590
N Browntown Rd, Willard St, W Taylor St, Meadowview Ln, State Rd 1826, Braswell St, Goldrock Rd, N White St, Tam O Shanter Dr, Davenport Rd$582
N Land St, Lake View Farm Ln, Bridgewood Rd, State Rd 1530, State Rte 1689, Jacobs St, Remus Rd, Audubon Ln, Churchview Dr, Coleridge Ct$573

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,728 Homes (21% of total) built between 1970 to 1979 in Rocky Mount are paying home insurance between $946-$955 and varies from Stony Creek (+$17), Dortches (+$35), Red Oak (+$43), Sharpsburg (-$13) and North Whitakers (-$16).
  • Bedrooms: 12,352 3 bedrooms homes (46% of total homes ) in Rocky Mount are paying about $450. Areas near to Rocky Mount such as Stony Creek, Dortches, South Whitakers are costlier by $14, $16, $10 respectively whereas Sharpsburg and North Whitakers are more economical by $6, $8 respectively for similar homes.
  • Auto Insurance Bundling: 3,579 Households (27% of all households) in Rocky Mount have 3 or more vehicles available and when it is bundled with home insurance you can save $146 and differs from Stony Creek ($148), Dortches ($151), South Whitakers ($147).
  • Senior Discounts: 7,382 seniors (more than 55 years) occupied housing units (57% of total) in Rocky Mount get discounts between $87 to $89. The comparative concessions in proximate regions such as Stony Creek, Dortches and South Whitakers are $89, $90 and $88 respectively.
  • New Homes discounts: New homes such as the 10,243 homes built between 2000 to 2009 in Rocky Mount can save $116 and similar new home insurance discounts in nearby towns and cities like Stony Creek, Dortches and South Whitakers are $118, $121 and $117 respectively.

Rocky Mount Homeowners insurance Facts

  • Rocky Mount, NC has 12,811 owner occupied houses which is 55.0% of all units whereas Stony Creek, Dortches and South Whitakers have 61.86%, 71.1% and 63.69% respectively.
  • Rocky Mount, NC homeowners yearly insurance price at $584 is 0.54% of the typical house value of $108,200 which is in contrast with 0.42% in Stony Creek, 0.35% at Dortches & 0.47% in South Whitakers.
  • Homeowners in Rocky Mount, NC pay 1.56% of their income ($35,000 to $39,999) in insurance whereas homeowners in Stony Creek, Dortches and South Whitakers pay 1.58%, 1.61% and 1.57% respectively.
  • Rocky Mount, NC’s insurance is 4.2% of monthly housing costs of $1,171/month, for owners with a mortgage compared to 3.77% in Stony Creek, 4.02% at Dortches & 3.62% in South Whitakers. But, for households without a mortgage, insurance is 10.7% of costs ($455 in Rocky Mount, NC) in contrast with 10.16% in Stony Creek, 14.4% at Dortches & 8.01% in South Whitakers.

Rocky Mount, NC Home Values & Insurance rates

For example, insurance for 733 Homes (6.0% of total homes ) valued between $60,000 to $69,999 in Rocky Mount, NC is about $350. Rates in nearby areas in such as South Whitakers, Oak Level, Red Oak are cheaper by $44, $44, $143 respectively while North Whitakers and Toisnot are costlier by $126 and $76 respectively for similar homes.

Rocky Mount, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,828 14.0% $134
$50,000 to $59,999 415 3.0% $280
$60,000 to $69,999 733 6.0% $350
$70,000 to $79,999 861 7.0% $402
$80,000 to $89,999 984 8.0% $455
$90,000 to $99,999 994 8.0% $508
$100,000 to $124,999 1,809 14.0% $589
$125,000 to $149,999 1,346 11.0% $741
$150,000 to $174,999 981 8.0% $876
$175,000 to $199,999 747 6.0% $1010
$200,000 to $249,999 589 4.0% $1214
$250,000 to $299,999 435 3.0% $1483
$300,000 to $399,999 481 3.0% $1886

Renters Insurance in Rocky Mount

  • Average Renters Insurance in Rocky Mount :  $132($11/month)

  • Median Gross Rent in Rocky Mount :  $749

  • Rocky Mount Renters Insurance to Median Rent Ratio:  1.47%

  • Average household size of renter-occupied unit :  2.34

Rocky Mount Renters Insurance as a Percentage of Rent

Rocky Mount Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 247 2.0% $333
$200 to $299 504 5.0% $783
$300 to $499 1,222 12.0% $1233
$500 to $749 2,975 30.0% $1908
$750 to $999 2,965 30.0% $2658
$1,000 to $1,499 1,870 18.0% $3783

Rent Affordability in Rocky Mount:

Approximately 50.0% (5,331) of households are spending more than 35% of their income on gross rent in Rocky Mount

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 792 7.0%
15.0 to 19.9 percent 1,094 10.0%
20.0 to 24.9 percent 1,384 13.0%
25.0 to 29.9 percent 978 9.0%
30.0 to 34.9 percent 888 8.0%
35.0 percent or more 5,331 50.0%

Protective device discount in Rocky Mount Up to :  $19

Claims-free discount in Rocky Mount Up to :  $26