Updated: October 7, 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:
Oct 20, 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 what you pay. A policy with $100K in dwelling coverage costs about $1,007 per year in North Dakota, while $500K in dwelling coverage runs $3,225. Know how much coverage you need. Choose coverage that rebuilds your home, replaces your belongings and protects you 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 vary by insurer for comparable coverage. 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.
North Star Mutual is more affordable, but Farmers offers additional benefits that justify the higher cost. North Dakota insurance providers offer affordable coverage without sacrificing protection. Rates vary based on your home's location and each insurer's risk assessment methods.
| 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 annually for homeowners insurance, compared to the $1,485 paid by those with excellent credit. This difference of $1,797 shows the impact of credit scores on insurance rates. Homeowners with below-fair credit see premiums soar to $2,666, which is $838 above the state average of $1,828, emphasizing the financial benefit of a healthier credit score.
While you may not be able to improve your credit score immediately, you can improve it over time to lower your rates.
| Poor | $3,282 |
| Below Fair | $2,666 |
| Fair | $2,224 |
| Good | $1,828 |
| Excellent | $1,485 |
The type of roof on your home can affect your insurance premium in North Dakota. More durable materials like tile roofs may result in lower insurance costs, while less durable materials like shake-treated wood can lead to higher premiums.
The construction type of your home also influences insurance rates. Homes constructed with materials more resistant to common perils, such as fire, often receive more favorable insurance quotes. Superior construction materials can lower insurance costs than standard materials like wood frames.
Use the table below to see 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 |
Expect to pay an average annual premium of $1,198 for newly constructed homes in North Dakota. This is lower than the average premium for existing homes due to the advantages of modern materials and adherence to current building codes. The table below illustrates the premium differences between new and existing homes for various 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 |
In North Dakota, wildfires, flooding and tornadoes pose risks to homeowners. While standard homeowners insurance policies cover wind damage from tornadoes, they do not cover flood damage. To protect against flooding, homeowners may need to purchase additional flood insurance. Understanding what is and isn't covered can be useful, especially in a state where these natural disasters are common.
Getting a handle on the average cost of homeowners insurance in North Dakota doesn't have to be a headache. By understanding the lay of the land, you can find a policy that fits your budget. Remember, a smart choice today can lead to savings down the road. Here's how to find the best deal for you.
Ask about bundles or discounts when shopping for insurance.
Choose a deductible that fits your financial situation.
Pick an insurer with good customer service and claim support.
Buy the policy that offers the best value and coverage.
Homeowners in North Dakota can unlock savings by bundling their home and auto insurance policies. Policyholders can save between $248 and $541 annually, with an average percentage savings of around 12%. For more detailed insights, explore MoneyGeek's analysis on the Best and Cheapest Home and Auto Bundle Companies in North Dakota, which provides a closer look at how bundling can impact your insurance costs in the state.
North Dakota residents can access various homeowners insurance discounts. Inquire about discounts when requesting a quote to maximize savings. Here are three available discount options:
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%.
Navigating homeowners insurance in North Dakota can be streamlined with the right resources. Whether you're looking to understand the regulations, find affordable coverage or calculate your potential costs, these tools and guides can assist you in making informed decisions.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
