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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 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 want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, North Dakota homeowners insurance costs $3,134 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in North Dakota. Key Takeaways Homeowners insurance costs an average of $3,134 a year, based on Insure.com 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 levelHomeowners insurance costs $3,134 a year in North Dakota for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in North Dakota will increase to $2,017 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in North Dakota for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$2,418$202200000 with 1000 Deductible and 300000 Liability and None Deductible$2,431$203300000 with 1000 Deductible and 100000 Liability and None Deductible$3,134$261300000 with 1000 Deductible and 300000 Liability and None Deductible$3,147$262400000 with 1000 Deductible and 100000 Liability and None Deductible$3,885$324400000 with 1000 Deductible and 300000 Liability and None Deductible$3,898$325600000 with 1000 Deductible and 100000 Liability and None Deductible$5,199$433600000 with 1000 Deductible and 300000 Liability and None Deductible$5,213$4341000000 with 1000 Deductible and 100000 Liability and None Deductible$7,846$6541000000 with 1000 Deductible and 300000 Liability and None Deductible$7,861$655Homeowners insurance companies in North Dakota determine rates based on risk factors. When calculating premiums, they consider your location, claims history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. 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 DakotaIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in North Dakota by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, North Star Mutual received the lowest NAIC score and an AM Best rating of A+. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater 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 provides the most affordable homeowners insurance in North Dakota, with an average annual premium of $1,883. Agraria Mutual and American Family also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in North Dakota with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, 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 DakotaNot every area in North Dakota has the same home insurance cost. How much you pay for homeowners insurance in North Dakota depends on many factors, including your ZIP code. Our data shows that 58201 ZIP has low-cost home insurance rates in North Dakota, at about $2,842 a year or $237 monthly.Below you can find homeowners insurance rates for some of 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 DakotaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In North Dakota, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.58533 has the most expensive homeowners insurance rates in North Dakota at an average annual cost of $3,605.Below, we’ve highlighted some of the most expensive ZIP codes in North Dakota for home 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 below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,239$2,931$3,134To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in North Dakota.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.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/YearWashington, D.C.$1,327/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. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson Best high-value home insurance companies of 2025 By Jake Safane How to calculate your home’s replacement cost By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson What is dwelling coverage and how much do you need? By Lena Borrelli How to find a homeowners insurance policy By Shivani Gite On this page Average home insurance cost in North Dakota by coverage levelBest homeowners insurance companies in North DakotaAverage homeowners insurance cost by company in North DakotaNorth Dakota homeowners insurance rates by ZIP codeHome insurance rate trend in North DakotaResources & methodology ZIP Code Please enter valid ZIP See rates