Updated: November 4, 2025
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The average cost of homeowners insurance in North Dakota in 2024 is $1,828, $595 less than the national average of $2,423.
Aside from the coverage amount, credit rating also impacts premiums in North Dakota, with a difference of $1,797 between the lowest and highest premiums.
If your rates have recently increased, we've also analyzed the cheapest policies in North Dakota. The insurance provider you choose also affects your premium costs.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 07, 2025
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Table of Contents
To establish the average cost of homeowners insurance in North Dakota, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in North Dakota as of 2024.
In North Dakota, homeowners pay an average of $1,828 annually for a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage, well below the national average of $2,423.
Your coverage amount directly affects how much you pay. A policy with $100,000 in dwelling coverage costs about $1,007 per year in North Dakota, while $500,000 in coverage costs around $3,225. Learn how much coverage you need to rebuild your home, replace your belongings and protect yourself from liability claims.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,007 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,828 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,225 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $4,641 |
Home insurance premiums in North Dakota differ between insurers. North Star Mutual offers a policy at $1,391 annually, $437 less than the state average, while Farmers charges $2,533, exceeding the average by $705.
While North Star Mutual costs less, Farmers provides more coverage options. Rates from North Dakota insurance providers depend on your home's location and how insurers assess risk.
| North Star Mutual | $1,391 |
| Allstate | $1,479 |
| Agraria Insurance | $1,514 |
| COUNTRY Financial | $1,580 |
| American Family | $1,726 |
| Auto-Owners Insurance | $1,918 |
| State Farm | $2,482 |
| Farmers | $2,533 |
Homeowners in North Dakota with poor credit pay $3,282 yearly for homeowners insurance, compared to $1,485 for those with excellent credit. Below-fair credit scores cost $2,666, which is $838 above the state average of $1,828.
You can't fix your credit overnight, but improving it lowers your rates.
| Poor | $3,282 |
| Below Fair | $2,666 |
| Fair | $2,224 |
| Good | $1,828 |
| Excellent | $1,485 |
Your roof and construction materials affect your home insurance premium in North Dakota. Durable materials like tile roofs cost less to insure than shake-treated wood. Similarly, fire-resistant construction materials lower your premiums compared to standard wood frames.
The table below shows how premiums change based on your home's materials.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,007 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,828 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,225 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $4,641 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $6,042 |
You'll pay an average of $1,198 annually to insure a newly constructed home in North Dakota. New homes cost less than existing homes thanks to modern materials and updated building codes. The table below shows premium differences between new and existing homes at multiple coverage levels.
| Existing Construction (2000) | $1,828 |
| New Construction (2023) | $1,198 |
In North Dakota, homeowners who have maintained a claim-free record for five or more years pay an annual premium of $1,828. This rate serves as the baseline for average home insurance costs in the state. However, filing just one claim within the past five years can increase the annual premium to $2,163, marking a $335 hike from the baseline. For those with two claims in the past five years, the annual premium jumps to $2,472, which is $644 above the average.
| Claim free for 5+ years | $1,828 |
| 1 claim in past 5 years | $2,163 |
| 2 claims in past 5 years | $2,472 |
Wildfires, floods and tornadoes are some of the biggest risks for homeowners in North Dakota. Standard homeowners insurance usually covers wind damage from tornadoes but not flood damage.
You may need to buy separate flood insurance to stay protected. It’s important to know what your policy includes and what it doesn’t, especially in a state where natural disasters are common.
Understanding the average cost of homeowners insurance in North Dakota is simpler than it seems. Once you know the basics, you can find a policy that fits your budget. Choosing wisely now can help you save money later. Use these tips to find the best deal.
Ask about available discounts or bundle options when comparing insurance plans.
Pick a deductible amount that works with your budget.
Choose an insurer known for reliable customer service and helpful claims support.
Go with the policy that gives you the best balance of price and coverage.
Homeowners in North Dakota save money by bundling home and auto insurance policies. You can save between $248 and $541 yearly, or about 12%. Check MoneyGeek's analysis of the Best and Cheapest Home and Auto Bundle Companies in North Dakota for detailed comparisons.
North Dakota residents qualify for many homeowners insurance discounts. Ask about these discounts when getting quotes:
The cheapest insurer in North Dakota on average is North Star Mutual, with premiums around $1,391.
Standard homeowners insurance doesn't cover floods. Purchase flood insurance from the National Flood Insurance Program, a private insurer or get it as an add-on.
Credit rating is the biggest factor affecting homeowners insurance prices in North Dakota, with a difference of up to $1,797 between excellent and poor credit.
By bundling homeowners with auto insurance in North Dakota, you can save an average of 12%.
Learning more about homeowners insurance in North Dakota may seem complicated, but the right resources make it easier to understand. These resources can help you understand the rules, compare coverage options and get a better idea of your costs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
