insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

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.

Key Takeaways

  • For homeowners insurance with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible, Farmers offers the cheapest homeowners insurance in North Dakota at $1,439 per year.
  • In North Dakota the homeowners insurance cost is $296 more than the national average.
  • Amongst all the zip codes in North Dakota, the cheapest homeowners insurance is available at the 58052 zip code, with average annual premium of $2,230 per year.

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

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
Show more
author image
Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

Related Articles

Home insurance article
Average home insurance cost in 2022 By Barry Eitel
Home insurance article
How to file a successful mold claim By Mark Vallet
Home insurance article
How much do claims increase home insurance rates? By Les Masterson
Home insurance article
Cost of living comparison by state By Casey Bond
Home insurance article
Mobile home insurance: What does it cover and how much does it cost? By Chris Kissell
Home insurance article
Renters insurance quotes – Compare and buy policy in minutes! By Chris Kissell
Go To Top