You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance. Saving money on homeowners insurance in North Dakota can be challenging if you don’t know the facts.

Farmers has the lowest average homeowners insurance rates in North Dakota, with an average premium of $1,439 a year or $120 a month.

The good news is that Insure.com has simplified matters by carefully researching carriers and prices to find cheap homeowners insurance in North Dakota. We’ve ranked the most affordable homeowners insurance providers in North Dakota to help you in this process. Read further for our recommendations and for additional strategies designed to help you pay less for premiums.

Cheap homeowners insurance companies in North Dakota

Farmers, Allstate and Nodak Mut Ins Co have the cheapest homeowners insurance in North Dakota, on average.

There’s a large rate difference between home insurance companies. North Dakota homeowners could save more by shopping around and comparing insurance quotes.

Here are average annual and monthly North Dakota home insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Farmers$1,439$120
Allstate$2,109$176
Nodak Mut Ins Co$2,146$179
Safeco$2,683$224
American Family$3,976$331
State Farm$4,599$383
Fire Insurance$4,890$408
Auto Owners$12,484$1,040

Compare cheap homeowners insurance in North Dakota by ratings

Wondering how to choose the best insurance company among the options available? We have analyzed the cheapest homeowners insurance companies in North Dakota based on J.D. Power score and AM best rating. According to Insure.com’s survey, State Farm received the highest J.D. power score of 835 and A++ rating from AM best.

CompanyJ.D. Power scoreAM Best rating
State Farm835A++
American Family831A
Allstate829A+
Farmers813A
Safeco810A

How much is home insurance in North Dakota

The average cost of homeowners insurance in North Dakota is $2,601 annually for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

One primary driver of home insurance cost is claims history. Here are the top average home insurance percentage premium increases based on claims:

  • Filing a second fire claim — 60%
  • Filing a second theft claim — 55%
  • Filing a second liability claim — 52%
  • Filing a second water damage claim — 50%
  • Filing a second medical claim — 34%
Average annual premiumAverage monthly premium
$2,601$217

Cheapest homeowners insurance in North Dakota by ZIP code

Location is a crucial part of your home insurance rate. Areas with more claims pay higher rates than ones that don’t have many. Here are the average home insurance rates by ZIP codes in North Dakota:

ZIP codeAverage annual premiumAverage monthly premium
58052$2,230$186
58001$2,296$191
58235$2,319$193
58018$2,320$193
58258$2,336$195
58830$2,341$195
58856$2,344$195
58202$2,345$195
58205$2,353$196
58795$2,358$196
58755$2,364$197
58275$2,366$197
58752$2,373$198
58843$2,374$198
58355$2,376$198
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