Home Home insurance Average home insurance cost Cheapest homeowners insurance in North Dakota Cheapest homeowners insurance in North Dakota Written by: Les Masterson Les Masterson 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. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 6, 2022 Why you should trust Insure.com 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 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 TakeawaysFor 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 DakotaFarmers, 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 premiumFarmers$1,439$120Allstate$2,109$176Nodak Mut Ins Co$2,146$179Safeco$2,683$224American Family$3,976$331State Farm$4,599$383Fire Insurance$4,890$408Auto Owners$12,484$1,040Compare cheap homeowners insurance in North Dakota by ratingsWondering 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 ratingState Farm835A++American Family831AAllstate829A+Farmers813ASafeco810AHow much is home insurance in North DakotaThe 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$217Cheapest homeowners insurance in North Dakota by ZIP codeLocation 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 premium58052$2,230$18658001$2,296$19158235$2,319$19358018$2,320$19358258$2,336$19558830$2,341$19558856$2,344$19558202$2,345$19558205$2,353$19658795$2,358$19658755$2,364$19758275$2,366$19758752$2,373$19858843$2,374$19858355$2,376$198 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 cityBismarckFargoGrand ForksMinotWest FargoHow much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor  . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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Most Americans don’t 1/1 Related Articles Personal liability insurance: What it is and why you need it By Barry Eitel Cost of living comparison by state By Chris Kissell How to find a homeowners insurance policy By Shivani Gite Home replacement cost calculator By Nupur Gambhir Renters insurance calculator: Estimate cost by state or city By Shivani Gite Mobile home insurance: What does it cover and how much does it cost? By Chris Kissell Table of contents Cheap homeowners insurance companies in North Dakota Compare cheap homeowners insurance in North Dakota by ratings How much is home insurance in North Dakota Cheapest homeowners insurance in North Dakota by ZIP code Get instant quotes now ! Please enter valid zip Get Quotes