North Dakota homeowners insurance calculator

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Homeowners in North Dakota pay an average of $2,982 annually for home insurance. However, your actual premium will be determined by where you live, what it would cost to rebuild, the coverage limits you choose, and your deductible.

If you’re looking for a quick estimate, our North Dakota homeowners insurance calculator shows how your dwelling coverage, liability limits, and deductible levels each affect your premium. You can also see how different insurers compare against each other and against the state average.

Whether you’re in the process of buying a home, taking a fresh look at your existing policy, or simply trying to find a better rate, the calculator gives you a useful reference point before you start reaching out for quotes.

How can I lower my homeowners insurance premium in North Dakota?

Shop around and compare quotes from multiple insurers – rates for the same coverage can differ significantly.
Raise your deductible – a higher up-front cost to you usually translates to a lower annual premium.
Bundle your home and auto insurance with the same insurer to qualify for a multi-policy discount.
Install safety features like smoke detectors, deadbolt locks or a security system, which can qualify you for additional discounts.

How to use the North Dakota home insurance calculator

Our calculator is built to give you a fast, personalized cost estimate for homeowners insurance in North Dakota. Enter a few key details, and you’ll have a working figure in minutes. Here’s how:

Select your state. Choose North Dakota to pull rates relevant to your location.
Enter your dwelling coverage amount. This reflects what it would cost to fully rebuild your home.
Choose your liability limit. This covers you if someone is injured on your property or you accidentally damage someone else’s belongings.
Set your deductible. The amount you’d pay out of pocket before your policy kicks in.

Once you’ve filled in your details, the calculator will display:

The average annual homeowners insurance rate in North Dakota
The highest and lowest rates found in our data
A list of insurers in North Dakota alongside their typical annual premiums

It’s a practical way to get a cost estimate and size up your options.

North-Dakota home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

North Dakota

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
North Dakota

$2,674 Average rate

Average rate

$2,674/Yr

Lowest rate

$1,923/Yr

Highest rate

$4,000/Yr

Rates by carriers in North Dakota

Company	Average annual rate
North Star Mutual	$1,923
Nodak Insurance	$1,955
Agraria Mutual	$2,031
Allstate	$2,232
Farmers	$2,800
State Farm	$2,852
Country Financial	$2,929
American Family	$3,346
Auto-Owners	$4,000

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

Homeowners insurance in North Dakota averages $2,982 per year, which is more expensive than the national average of $2,543.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Several variables influence what you’ll pay, including your home’s location, age and construction type, your claims history, and the coverage options you choose.

Dwelling coverage. The estimated cost to rebuild your home, accounting for its size, materials, and local construction rates.
Liability coverage. Covers you financially if someone is hurt on your property or you cause accidental damage to another person’s property.
Deductible. What you contribute before your insurance pays out. A higher deductible lowers your premium, but increases your upfront costs when a claim arises.

Check your credit score

In some states, insurers use a credit-based insurance score as one of their pricing factors – and it can have a meaningful effect on your premium. Depending on where you live, keeping your credit in good shape by paying bills on time and managing debt levels can work in your favor when it comes to renewal time.

How does dwelling coverage affect homeowners insurance in North Dakota?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$2,333	$194
$300,000	$2,982	$248
$400,000	$3,677	$306
$600,000	$4,965	$414
$1,000,000	$6,622	$552

Average cost of homeowners insurance in North Dakota

The average homeowners insurance premium in North Dakota is $2,982 per year, which is more expensive than the national average of $2,543.

This figure is based on a standard policy with:

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

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major North Dakota cities

Homeowners insurance isn’t priced the same across North Dakota. Rates in West Fargo are among the most affordable in the state, while homeowners in Dickinson face significantly higher premiums.

The table below outlines average annual rates across major cities in North Dakota.

City	Average annual rate	Average monthly rate
Bismarck	$3,514	$293
Dickinson	$3,868	$322
Fargo	$2,687	$224
Grand Forks	$2,617	$218
Jamestown	$2,912	$243
Mandan	$3,524	$294
Minot	$2,947	$246
Wahpeton	$2,855	$238
West Fargo	$2,575	$215
Williston	$3,025	$252

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

How do natural disasters affect homeowners insurance rates in North Dakota?

Where your home sits on the map directly affects what you pay for insurance. Homes in areas prone to flooding, wildfires, hurricanes or tornadoes tend to carry higher premiums because they’re more likely to result in large claims.

What’s equally important to know is that standard homeowners policies don’t cover these events. Depending on your location, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this coverage raises your premium, but it also means you won’t be left covering major losses out of pocket after a disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

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

Homeowners in North Dakota pay an average of $2,982 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in North Dakota?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$2,323/Year

$659/Year

Show more states

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.