Average homeowners insurance cost in North Dakota

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Homeowners in North Dakota pay an average of $2,967 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. North Star Mutual offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Based on our data, homeowners insurance in North Dakota costs an average of $2,967 per year.
Among all ZIP codes in North Dakota, 58078 has the most affordable rates, averaging around $2,559 annually.
For the lowest insurer rates in North Dakota, North Star Mutual comes in at an average annual premium of $2,161.

What is the average cost of homeowners insurance in North Dakota?

The average homeowners insurance premium in North Dakota is $2,967 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in North Dakota? Cost by coverage level

Homeowners insurance in North Dakota costs $2,967 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $3,654 per year for homeowners insurance in North Dakota for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in North Dakota for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,321	$193
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,333	$194
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,967	$247
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,982	$248
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,654	$305
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,677	$306
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$4,950	$412
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$4,965	$414
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$6,601	$550
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$6,622	$552

Average home insurance cost in North Dakota by insurer

North Star Mutual has the lowest average homeowners insurance premiums in North Dakota at $2,161 per year. Agraria Mutual and Nodak Insurance also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in North Dakota, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
North Star Mutual	$2,161	$180
Agraria Mutual	$2,300	$192
Nodak Insurance	$2,455	$205
Allstate	$2,586	$215
Farmers	$2,950	$246
State Farm	$3,150	$263
Country Financial	$3,188	$266
American Family	$3,441	$287
Auto-Owners	$4,498	$375

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in North Dakota is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in North Dakota?

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in North Dakota.

Most affordable ZIP codes for home insurance in North Dakota

58078 has the lowest average home insurance rates in North Dakota, with homeowners paying around $2,559 per year.

Home insurance rates aren’t uniform across North Dakota. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average rates for some of the most affordable ZIP codes in North Dakota.

ZIP code	Average annual rate	Average monthly rate
58078	$2,559	$213
58103	$2,560	$213
58201	$2,574	$214
58203	$2,597	$216
58256	$2,599	$217
58202	$2,635	$220
58258	$2,636	$220
58318	$2,639	$220
58278	$2,650	$221
58228	$2,651	$221

Most expensive ZIP codes for home insurance in North Dakota

At the other end of the spectrum, 58646 has the highest average rates in North Dakota at $4,078 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in North Dakota.

ZIP code	Average annual rate	Average monthly rate
58646	$4,078	$340
58647	$4,063	$339
58650	$4,060	$338
58639	$4,012	$334
58653	$3,997	$333
58652	$3,990	$333
58630	$3,944	$329
58649	$3,933	$328
58656	$3,929	$327
58641	$3,926	$327

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in North Dakota by city

See rates in your city

Fargo

Grand Forks

West Fargo

What’s the trend in home insurance rates for North Dakota?

From the span of 2023 to 2025, North Dakota saw home insurance rates increase by 5%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$2,619	$2,820	$2,967

What are the best homeowners insurance companies in North Dakota?

Based on our data, North Star Mutual stands out as a top choice in North Dakota. It earns an AM Best rating of A+ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in North Dakota by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
North Star Mutual	$2,161	A+	0.18	4.65
Agraria Mutual	$2,300	A	0	4.54
Allstate	$2,586	A+	1.26	4.54
Country Financial	$3,188	A+	0.23	4.51
Nodak Insurance	$2,455	A	0.29	4.51
State Farm	$3,150	A+	1.15	4.47
Farmers	$2,950	A	0.89	4.41
American Family	$3,441	A	1.07	4.33
Auto-Owners	$4,498	A+	0.39	4.32

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.