North Star Mutual is the cheapest home insurance option for most homeowners in North Dakota, with an average monthly savings of $375. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in North Dakota
Updated: May 27, 2025
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Key Takeaways
Allstate offers the cheapest homeowners insurance in North Dakota if you own a new home or have bad credit.
Customers can find savings of up to 89% from the cheapest overall providers in North Dakota: North Star Mutual, Allstate and Agraria Insurance.
If you live in a high-fire-risk area, North Star Mutual is the cheapest provider for home insurance in North Dakota.
What is the Cheapest Home Insurance in North Dakota?
| North Star Mutual | $124 | $1,489 | 26% |
| Agraria Insurance | $133 | $1,596 | 20% |
| Allstate | $140 | $1,677 | 16% |
| American Family | $142 | $1,702 | 15% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
Price is important to consider for home insurance, however it's also useful to know about a company's customer service reputation and coverage options. To help, we've created a separate guide to the best home insurance companies in North Dakota, giving you more information to make the best decision for your situation.
Cheapest North Dakota Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while North Star Mutual is typically the cheapest overall, Allstate offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| North Star Mutual | Older Homes | $124 |
| Allstate | Newer Homes | $88 |
| North Star Mutual | Homes in High Risk Fire Areas | $124 |
| Agraria Insurance | Bad Credit | $133 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap North Dakota Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| North Star Mutual | $124 | $1,489 |
| American Family | $142 | $1,702 |
| Agraria Insurance | $143 | $1,714 |
| Allstate | $150 | $1,795 |
| COUNTRY Financial | $156 | $1,866 |
Cheapest North Dakota Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. For example, while Farmers is the cheapest in most cities in North Dakota, State Farm and Nationwide offer lower rates in places like Amarillo and McAllen.
| Fargo | Agraria Insurance | $132 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest North Dakota Home Insurance for You
Finding affordable home insurance in North Dakota can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
Having your coverage limits in mind before buying can keep you from being oversold on coverage. Make sure you determine your home insurance coverage needs beforehand and understand the types of home insurance coverage to get what you need.
- 2
Research home insurance cost information
Survey home insurance costs in North Dakota to determine fair pricing for your property. Make it a point to ask about all available discounts because insurance companies expect customers to inquire about these savings.
- 4
Compare multiple companies apples to apples
Once you know your coverage levels and type, compare quotes from different companies for that coverage to get the best deal. We recommend gathering as many quotes as possible using different methods to get your best rate.
Cheap Home Insurance North Dakota: Bottom Line
North Star Mutual, Agraria Insurance and Allstate are North Dakota's most affordable home insurance options, regardless of your profile or home. If you're denied coverage, state programs offer low-cost policies. Compare multiple companies, research costs and understand your coverage needs before deciding.
Cheapest Home Insurance North Dakota: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in North Dakota:
What is the cheapest home insurance company in North Dakota?
Allstate offers the lowest rates for newer homes in North Dakota at $88 per month or $1057 per year. However, homeowners with older properties or higher fire protection needs may find better rates with North Star Mutual or Agraria Insurance.
How expensive is home insurance in North Dakota?
North Dakota has the 37th-highest home insurance rates in the U.S.
How much is home insurance in North Dakota?
Determine your home insurance needs by assessing the replacement cost of your home, possessions' value, and specific risks in your area.
While not legally obligatory without a mortgage, home insurance is essential as mortgage providers require it. Coverage should be enough to rebuild your home and protect personal property and unique valuables against locale-specific risks.
How much home insurance do I need?
Determine your home insurance needs by assessing the replacement cost of your home, possessions' value, and specific risks in your area.
While not legally obligatory without a mortgage, home insurance is essential as mortgage providers require it. Coverage should be enough to rebuild your home and protect personal property and unique valuables against locale-specific risks.
How We Found the Cheapest Home Insurance Companies in North Dakota
To determine the cheapest home insurance companies in North Dakota, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.