Best and cheapest homeowners insurance in North Dakota for 2024

Best home insurance companies in North Dakota: Auto-Owners

The best home insurance company in North Dakota for 2024 is Auto-Owners. State Farm, Country Financial, American Family, Allstate, and Farmers are among other top home insurance companies in Oklahoma based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance in North Dakota
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	4.58	$3,160
State Farm	A++	0.83	4.16	$3,128
Country Financial	A+	0.26	4.05	$3,196
American Family	A	0.80	3.79	$2,435
Allstate	A+	1.46	3.19	$2,641
Farmers	A	0.67	2.72	$4,527

Data updated in 2024

Cheapest home insurance companies in North Dakota: North Star Mutual

Below are North Dakota home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.

Based on our analysis, North Star Mutual offers the cheapest home insurance at $1,409 per year for $200,000 dwelling coverage and $1,895 per year for $300,000 dwelling coverage. Meanwhile, Agraria Mutual is the most affordable option we found for $400,000 and $600,000 dwelling coverage, priced at $2,465 and $3,345 per year respectively. For the highest dwelling coverage of $1,000,000 also, Agraria Mutual is the best choice for most homeowners at $5,075 annually.

Cheapest home insurance in North Dakota
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
North Star Mutual	$1,409	$1,895	$2,530	$3,798	$6,298
Agraria Mutual	$1,553	$2,017	$2,465	$3,345	$5,075
American Family	$1,962	$2,435	$2,884	$3,733	$5,235
Nodak Insurance	$1,847	$2,562	$3,536	$5,234	$8,510
Allstate	$1,814	$2,641	$3,429	$4,859	$7,356
State Farm	$2,453	$3,128	$3,809	$5,256	$7,866
Auto-Owners	$2,655	$3,160	$3,760	$4,633	$7,877
Country Financial	$2,540	$3,196	$3,849	$5,162	$7,728
Farmers	$3,504	$4,527	$5,539	$7,108	$10,175

Data updated in 2024

Average home insurance cost in North Dakota

The average cost of homeowners insurance in North Dakota is $3,147 a year or $262 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different North Dakota homeowners insurance companies to get the best deal.

North Dakota home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in North Dakota to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The North Dakota Insurance Department says...

The Department regulates but does not set homeowners insurance rates. Each company decides what rate it needs to charge. As the regulator, the Department reviews the companies' proposed rates for compliance with state law. If a company wants to change its rates, it must file supporting data with the Department. The Department's rate analysts review that data to ensure that the rates are justified.

- The North Dakota Insurance Department

The most expensive ZIP codes in North Dakota for home insurance

North Dakota homeowners insurance rates are the most expensive for ZIP code 58533, with an average annual cost of $3,618.

The most expensive ZIP codes in North Dakota are:

ZIP code	Average annual rate
58533	$3,618
58631	$3,604
58638	$3,595
58520	$3,594
58646	$3,593
58650	$3,587

Data updated in 2024

The least expensive ZIP codes in North Dakota for home insurance

The cheapest ZIP codes for home insurance in North Dakota are

ZIP code	Average annual rate
58201	$2,856
58256	$2,884
58203	$2,888
58258	$2,913
58204	$2,914
58316	$2,922

Data updated in 2024

North Dakota homeowners insurance rates by county

County	Average annual premium	Average monthly premium
Adams	$3,596	$300
Barnes	$3,224	$269
Benson	$3,219	$268
Billings	$3,521	$293
Bottineau	$3,185	$265
Bowman	$3,632	$303
Burke	$3,278	$273
Burleigh	$3,508	$292
Cass	$3,207	$267
Cavalier	$3,168	$264
Dickey	$3,253	$271
Divide	$3,269	$272
Dunn	$3,613	$301
Eddy	$3,251	$271
Emmons	$3,610	$301
Foster	$3,260	$272
Golden Valley	$3,555	$296
Grand Forks	$3,085	$257
Grant	$3,661	$305
Griggs	$3,273	$273
Hettinger	$3,717	$310
Kidder	$3,465	$289
LaMoure	$3,249	$271
Logan	$3,366	$280
Mchenry	$3,300	$275
Mcintosh	$3,368	$281
Mckenzie	$3,323	$277
Mclean	$3,462	$288
Mercer	$3,650	$304
Morton	$3,648	$304
Mountrail	$3,319	$277
Nelson	$3,243	$270
Oliver	$3,681	$307
Pembina	$3,160	$263
Pierce	$3,220	$268
Ramsey	$3,176	$265
Ransom	$3,242	$270
Renville	$3,284	$274
Richland	$3,257	$271
Rolette	$3,149	$262
Sargent	$3,235	$270
Sheridan	$3,377	$281
Sioux	$3,634	$303
Slope	$3,539	$295
Stark	$3,547	$296
Steele	$3,241	$270
Stutsman	$3,280	$273
Towner	$3,166	$264
Traill	$3,185	$265
Walsh	$3,170	$264
Ward	$3,208	$267
Wells	$3,339	$278
Williams	$3,263	$272