Average homeowners insurance cost in North Dakota

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Homeowners in North Dakota pay an average of $3,134 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

Our data puts the average homeowners insurance cost in North Dakota at $3,134 per year.
Of all ZIP codes analyzed in North Dakota, 58201 has the lowest average home insurance rates at around $2,842 annually.
On the insurer side, North Star Mutual offers the most affordable average premiums in North Dakota, coming in at $1,883 per year.

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

The average homeowners insurance premium in North Dakota is $3,134 annually for 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

The typical homeowners insurance policy in North Dakota runs $3,134 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $3,885 in North Dakota.

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 $100,000 Liability and None Deductible	$2,418	$202
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,431	$203
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,134	$261
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,147	$262
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,885	$324
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,898	$325
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,199	$433
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,213	$434
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$7,846	$654
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$7,861	$655

Average home insurance cost in North Dakota by insurer

North Star Mutual has the lowest average homeowners insurance premiums in North Dakota at $1,883 per year. Agraria Mutual and American Family 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	$1,883	$157
Agraria Mutual	$2,017	$168
American Family	$2,431	$203
Nodak Insurance	$2,552	$213
Allstate	$2,586	$215
State Farm	$3,119	$260
Auto-Owners	$3,154	$263
Country Financial	$3,188	$266
Farmers	$4,513	$376

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

The lowest rates in North Dakota are found in 58201, where homeowners pay an average of $2,842 per year.

Where you live in North Dakota has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

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

ZIP code	Average annual rate	Average monthly rate
58201	$2,842	$237
58256	$2,870	$239
58203	$2,875	$240
58258	$2,899	$242
58204	$2,901	$242
58316	$2,909	$242
58278	$2,911	$243
58078	$2,912	$243
58202	$2,914	$243
58318	$2,919	$243

Most expensive ZIP codes for home insurance in North Dakota

At the other end of the spectrum, 58533 has the highest average rates in North Dakota at $3,605 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
58533	$3,605	$300
58631	$3,591	$299
58638	$3,582	$298
58520	$3,581	$298
58646	$3,579	$298
58650	$3,573	$298
58563	$3,572	$298
58647	$3,564	$297
58580	$3,546	$295
58562	$3,535	$295

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 are the best homeowners insurance companies in North Dakota?

Based on our data, North Star Mutual stands out as the top choice in North Dakota. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in North Dakota by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
North Star Mutual	$1,883	A+	0.72	5
American Family	$2,431	A	0.37	4.94
Agraria Mutual	$2,017	A	0.22	4.88
Allstate	$2,586	A+	0.9	4.66
Auto-Owners	$3,154	A++	0.33	4.49
State Farm	$3,119	A++	0.95	4.48
Country Financial	$3,188	A+	0.26	4.4
Farmers	$4,513	A	0.54	3.68

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

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.