While there is potential for tornadoes, blizzards, and wildfires, North Dakota’s most frequent natural disaster is flooding, especially in the spring when the snow melts into the rivers. Still, the cost of homeowners insurance is along the national average, making it easy to find the right policy to protect your home at an affordable price.
The average cost of homeowners insurance in North Dakota is $1,884 per year or $157 a month. This is slightly higher than the national average of $1,754.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Compare the best homeowners insurance companies in North Dakota
According to our analysis, Auto-Owners Insurance, State Farm, American Family, and Farmers are the best homeowners insurance companies in North Dakota.
Policygenius analyzed thousands of quotes across the state to find the average cost of homeowners insurance from each company. We then looked at J.D. Power customer satisfaction scores, complaint data, and coverage offerings to find the best homeowners insurance in North Dakota.
Company | Average monthly cost | Policygenius rating |
|---|---|---|
$180 | 5.0 out of 5 | |
$209 | 4.8 out of 5 | |
$184 | 4.5 out of 5 | |
$170 | 4.5 out of 5 |
2025 Policygenius award winner
Auto-Owners Insurance
5.0
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Why we chose it
Auto-Owners Insurance is the best homeowners insurance company in North Dakota thanks to its extensive policy and coverage options, its high marks for financial strength, and its customer experience ratings.
Pros and cons
Pros
Offers a slew of extra coverage add-ons
Offers lots of discounts
Flood insurance through the NFIP
Cons
Not able to get quotes or file claims online
Rates are more expensive than average in North Dakota
More details
Why we picked it
Auto-Owners Insurance is one of the best home insurance companies in North Dakota, especially if you want to add more protection to a basic policy. Auto-Owners offers endorsements like guaranteed replacement cost coverage, water backup protection, inland flood coverage, and more.
In North Dakota, Auto-Owners' rates are more expensive than average, but the company offers more than a dozen discounts, including many that are easy to qualify for, like signing up for automatic payments and paperless billing.
How much does Auto-Owners home insurance cost in North Dakota?
The average cost of Auto-Owners home insurance in North Dakota is $2,155 per year, which is 14% more expensive than the statewide average.
How to get quotes
To get a homeowners insurance quote, you’ll have to call a local Auto-Owners Insurance agent.
2025 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is one of the best home insurance companies in North Dakota thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Big discount for bundling home and auto coverage
Cons
No discounts for first-time homebuyers
Rates are more expensive than average in North Dakota
More details
Why we chose State Farm
State Farm is one of our picks for the best home insurance in North Dakota, especially if you want to add protection to a basic policy. With State Farm homeowners can get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
How do State Farm home insurance rates compare to the North Dakota average?
The average cost of home insurance from State Farm in North Dakota is $2,504 per year, which is 33% more expensive as than the statewide average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
2025 Policygenius award winner
American Family
4.6
Offers extended replacement cost
Offers flood insurance
Bundle home & auto
Why we chose it
American Family is one of the best home insurance companies in North Dakota, especially for people who want to add coverage to a basic policy. AmFam also has high customer service ratings and several discounts.
Pros and cons
Pros
Several one-of-its-kind coverage endorsements and policy perks
High customer satisfaction and digital shopping satisfaction scores with J.D. Power
Cons
Requires you to work with an agent to purchase a policy
Rates are more expensive than average in North Dakota
More details
Why we chose American Family
American Family is one of the top home insurance companies in North Dakota. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.
American Family is more expensive than average in North Dakota, but with AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) your premiums could be cheaper.
How do American Family home insurance rates compare to the North Dakota average?
The average annual cost of American Family home insurance in North Dakota is $2,207 per year, which is 17% more expensive than the statewide average.
How to get a quote
Online with American Family or by contacting a local agent
2025 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is one of the best home insurance companies in North Dakota for those who want to add coverage to their policies. Farmers also has a range of discounts and high claims satisfaction scores.
Pros and cons
Pros
Optional extended or guaranteed replacement cost dwelling coverage
Receives few complaints from policyholders and has a high claims satisfaction score
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers is one of the best home insurance companies in North Dakota, especially if you want to add coverage to a basic policy. Optional coverages from Farmers include guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it scored below average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.
How do Farmers home insurance rates compare to the average in North Dakota?
The average cost of Farmers home insurance in North Dakota is $2,040 per year, which is 8% more expensive than the state's average annual premium.
How to get a quote
Online through Farmers
How much is homeowners insurance in North Dakota?
The average cost of homeowners insurance in North Dakota is $1,884 per year, or $157 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in North Dakota is $103 more expensive than the national average per year.
North Dakota homeowners insurance rates by city
We calculated the cost of home insurance in North Dakota's largest cities and found that Grand Forks is the cheapest big city for homeowners insurance in the state, while Bismarck is the most expensive.
Here’s a look at the average cost of home insurance in the 20 largest cities in North Dakota.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Fargo | $147 | $1,763 | -6% |
Bismarck | $171 | $2,047 | 9% |
Grand Forks | $139 | $1,669 | -11% |
Minot | $145 | $1,738 | -8% |
West Fargo | $141 | $1,687 | -10% |
Williston | $151 | $1,815 | -4% |
Dickinson | $163 | $1,950 | 4% |
Mandan | $164 | $1,964 | 4% |
Jamestown | $154 | $1,844 | -2% |
Wahpeton | $158 | $1,900 | 1% |
Devils Lake | $148 | $1,776 | -6% |
Valley City | $149 | $1,787 | -5% |
Watford City | $155 | $1,864 | -1% |
Horace | $152 | $1,822 | -3% |
Grafton | $147 | $1,769 | -6% |
Beulah | $168 | $2,010 | 7% |
New Town | $157 | $1,887 | 0% |
Rugby | $150 | $1,801 | -4% |
Casselton | $157 | $1,880 | 0% |
Hazen | $164 | $1,966 | 4% |
North Dakota homeowners insurance rates by coverage amount
The table below highlights the average annual premium in North Dakota for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $955 |
$200,000 | $1,411 |
$300,000 | $1,884 |
$400,000 | $2,345 |
$500,000 | $2,813 |
Cheapest homeowners insurance companies in North Dakota
After analyzing home insurance rates in all of the state's ZIP codes, we found that the cheapest home insurance companies in North Dakota are North Star Mutual, Agraria Insurance, State Auto, Nodak Mutual, and COUNTRY Financial.
Company | Average annual cost |
|---|---|
North Star Mutual Insurance | $1,386 |
Agraria Insurance | $1,477 |
$1,500 | |
Nodak Insurance | $1,503 |
$1,861 | |
$1,871 | |
EMC Insurance | $1,909 |
$2,040 | |
$2,155 | |
$2,207 | |
$2,288 | |
$2,504 |
Cheapest North Dakota homeowners insurance if you have poor credit
Poor credit can be bad news when it comes to home insurance rates. Insurance companies consider a bad credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim.
With an average rate of $1,477 per year, Agraria Insurance has the cheapest home insurance rates in North Dakota for a homeowner with poor credit.
Company | Average annual cost |
|---|---|
Agraria Insurance | $1,477 |
North Star Mutual Insurance | $1,966 |
Nodak Insurance | $2,056 |
EMC Insurance | $2,196 |
Country Financial | $2,435 |
Allstate | $2,563 |
Farmers | $2,796 |
State Auto | $2,905 |
Auto-Owners Insurance | $2,948 |
American Family | $3,617 |
Foremost | $3,873 |
State Farm | $4,493 |
Cheapest North Dakota homeowners insurance if you have an older home
It can cost a lot to insure older homes. That's because they're more prone to structural damage than new homes. Older homes are also often constructed out of materials and with features that would be expensive to replace if they were damaged.
With an average annual premium of $1,389, North Star Mutual offers the cheapest home insurance rates in North Dakota for an older home.
Company | Average annual cost |
|---|---|
North Star Mutual Insurance | $1,389 |
State Auto | $1,482 |
Nodak Insurance | $1,503 |
Agraria Insurance | $1,505 |
EMC Insurance | $1,753 |
Farmers | $1,928 |
Allstate | $1,990 |
Country Financial | $2,042 |
Foremost | $2,172 |
Auto-Owners Insurance | $2,222 |
American Family | $2,244 |
State Farm | $2,607 |
Cheapest North Dakota homeowners insurance if you have a history of claims
If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $1,389, North Star Mutual offers the cheapest home insurance rates in North Dakota if you've filed three claims within a five-year period.
Company | Average annual cost |
|---|---|
North Star Mutual Insurance | $1,389 |
Agraria Insurance | $1,477 |
Nodak Insurance | $2,015 |
State Auto | $2,091 |
Auto-Owners Insurance | $2,250 |
Farmers | $2,437 |
State Farm | $2,607 |
EMC Insurance | $2,670 |
Allstate | $3,148 |
Country Financial | $3,227 |
American Family | $3,520 |
Foremost | $4,546 |
Coverage options in North Dakota
When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.
Before you buy homeowners insurance in North Dakota, you should be sure you're protected against the state's floods and wintry weather.
Flood insurance
Home insurance policies don't cover flood damage, so it's a good idea to consider getting flood insurance if you live in a part of North Dakota that's vulnerable to flooding. Otherwise, you risk paying out of pocket to rebuild your home after a flood.
In addition to comparing home insurance quotes, homeowners in North Dakota can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.
Winter weather insurance
Winters in North Dakota can bring heavy snow and fierce winds that could damage your home. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.
That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.
How to buy homeowners insurance in North Dakota
There are many options to consider when deciding on a homeowners policy, but if you know what you’re looking for, the process can be much easier. Here are some steps to follow to make sure you get the right coverage:
Frequently asked questions
What are the four things that affect your homeowners insurance cost?
While there are many factors that go into the cost of your homeowners insurance, the age, value, size, and location of your home have the biggest impact.
Is homeowners insurance required in North Dakota?
Homeowners insurance is not legally mandated in North Dakota, but most mortgage companies require that borrowers have an insurance policy.
Who has the cheapest home insurance in North Dakota?
While Agraria has the cheapest average yearly costs in North Dakota, State Auto and Nodak also offer cheap options throughout the state.
