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In Bismarck, homeowners pay an average annual rate of $3,425 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $843 more than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Bismarck depends on various factors, such as:

  • Size of your home
  • Age of your home
  • Amount of coverage you need
  • Location
  • Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Bismarck, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Bismarck.

Key takeaways

  • The cost of your homeowners insurance policy in Bismarck can vary based on factors such as your location, the value of your home, and the coverage options you select.
  • North Star Mutual is the cheapest homeowners insurance company in Bismarck with an average annual premium of $2,303.
  • If you increase your dwelling coverage from $200,000 to $300,000, you will pay $809 more, annually for home insurance.

Average homeowners insurance cost in Bismarck per month

Residents of Bismarck pay an average of $285 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $11 more than the state average of $274 and $70 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Bismarck may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Bismarck

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,616 per year in Bismarck, ND. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Bismarck

As per rate analysis by Insure.com, homeowners residing in Bismarck typically pay an average of $3,425 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $809 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Bismarck by Company

Among the carriers analyzed, North Star Mutual is the cheapest homeowners insurance company in Bismarck. It’s average annual rate for Bismarck homeowners is $2,303. Agraria Mutual ranks second and American Family makes it to the third spot with an average annual home insurance rate of $2,473.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Bismarck and prepared a list of the cheapest home insurance providers. You can find below the Bismarck home insurance companies and their average annual premium.

Home Insurance Company Annual rate
North Star Mutual$2,303
Agraria Mutual$2,333
American Family$2,473
Allstate$2,844
Auto-Owners$3,321
State Farm$3,542
Nodak Insurance$3,600
Country Financial$3,662
Farmers$4,533

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Bismarck for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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