Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in North Dakota Average homeowners insurance cost in North Dakota Homeowners insurance in North Dakota costs $3,134 per year or $261 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 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. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in North Dakota costs an average of $3,134 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in North Dakota by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $3,134 a year, based on our analysis.Of all the ZIP codes in North Dakota, 58201 has the most affordable home insurance rates at around $2,842 annually.In North Dakota, North Star Mutual provides the most affordable home insurance at an average annual premium of $1,883. Average home insurance cost in North Dakota by coverage levelIn North Dakota, the annual homeowners insurance cost is $3,134, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $3,885 in North Dakota, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in North Dakota based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,418 $202 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,431 $203 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,134 $261 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,147 $262 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,885 $324 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,898 $325 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$5,199 $433 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$5,213 $434 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$7,846 $654 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$7,861 $655 In North Dakota, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in North DakotaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in North Dakota based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that North Star Mutual received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreNorth Star Mutual$1,883A+0.725American Family$2,431A0.374.94Agraria Mutual$2,017A0.224.88Allstate$2,586A+0.94.66Auto-Owners$3,154A++0.334.49State Farm$3,119A++0.954.48Country Financial$3,188A+0.264.4Farmers$4,513A0.543.68Average homeowners insurance cost by company in North DakotaNorth Star Mutual has the cheapest homeowners insurance rates in North Dakota. Its average annual cost for North Dakota homeowners is $1,883. Agraria Mutual and American Family also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in North Dakota with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateNorth Star Mutual$1,883$157Agraria Mutual$2,017$168American Family$2,431$203Nodak Insurance$2,552$213Allstate$2,586$215State Farm$3,119$260Auto-Owners$3,154$263Country Financial$3,188$266Farmers$4,513$376North Dakota homeowners insurance rates by ZIP codeInsurance providers in North Dakota factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in North Dakota, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in North DakotaHomeowners insurance costs in North Dakota can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 58201 area has the most affordable insurance rates, at $2,842 annually or $237 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in North Dakota.ZIP codeAverage annual rateAverage monthly rate58201$2,842$23758256$2,870$23958203$2,875$24058258$2,899$24258204$2,901$24258316$2,909$24258278$2,911$24358078$2,912$24358202$2,914$24358318$2,919$243Most expensive ZIP codes for home insurance rates in North DakotaIn North Dakota, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 58533 ZIP pay the highest insurance rates in North Dakota, with an average annual premium of $3,605.Below is a list of some of the most expensive ZIP codes in North Dakota for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate58533$3,605$30058631$3,591$29958638$3,582$29858520$3,581$29858646$3,579$29858650$3,573$29858563$3,572$29858647$3,564$29758580$3,546$29558562$3,535$295Home 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 FargoHome insurance rate trend in North DakotaWe analyzed home insurance rate trends in North Dakota and found that homeowners insurance rates experienced an overall increase of 7% or $203, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,239$2,931$3,134To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in North Dakota.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in North-Dakota Average renters insurance cost in North Dakota Average car insurance cost in North Dakota Non-owner auto insurance in North Dakota How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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