Updated: November 1, 2026
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North Star offers North Dakota's cheapest homeowners insurance rates at $1,526 annually.
North Star, Agraria, Allstate, American Family and COUNTRY Financial cost 13% to 32% below the $2,256 state average.
Bundle your home and auto insurance policies to save 10% to 25% on premiums — one of the biggest discounts North Dakota insurers offer.
North Star is the cheapest home insurance company in North Dakota at $1,526 annually, though eligibility may be limited. Agraria ranks second at $1,654 per year and covers all North Dakota residents. The five most affordable insurers save you between $303 and $730 compared to the state average.
| North Star Mutual | $127 | $1,526 | -32% |
| Agraria Insurance | $138 | $1,654 | -27% |
| Allstate | $157 | $1,882 | -17% |
| American Family | $158 | $1,897 | -16% |
| COUNTRY Financial | $163 | $1,953 | -13% |
*The rates above are for homeowners ages 41 to 60 with good credit and no claims history. Quotes are for a home built in 2000 insured for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.
According to our cost research, North Star offers the lowest rates across all homeowner situations, from older homes at $1,553 annually to newer properties at $1,261.
| Older Homes | North Star Mutual | $1,553 |
| Newer Homes | North Star Mutual | $1,261 |
| Young Homeowners | North Star Mutual | $1,601 |
| Senior Homeowners | North Star Mutual | $1,526 |
| High-Risk Fire Homes | North Star Mutual | $1,710 |
| Smaller Homes | North Star Mutual | $1,503 |
| Larger Homes | North Star Mutual | $1,579 |
The cheapest company may not be your best fit. Customer service quality, coverage options and claims handling matter beyond price. Our guide to the best home insurance companies in North Dakota compares insurers across these factors.
Risk factors vary by location across North Dakota, so home insurance rates differ from city to city. North Star has the lowest rates in Adams and Grand Forks. Fargo residents get the lowest rates from Agraria.
| Adams | North Star Mutual | $1,432 |
| Fargo | Agraria Insurance | $1,578 |
| Grand Forks | North Star Mutual | $1,542 |
| Willow City | North Star Mutual | $1,432 |
Your coverage needs determine which insurer offers the best rate in North Dakota. North Star has the lowest premiums for basic coverage at $831 a year. For high-value homes with $1 million dwelling and liability coverage, American Family offers the most affordable rates.
| North Star Mutual | $69 | $831 |
| Agraria Insurance | $72 | $865 |
| Allstate | $83 | $1,000 |
| American Family | $95 | $1,144 |
| COUNTRY Financial | $102 | $1,226 |
North Dakota homeowners can cut their insurance costs by hundreds of dollars annually through discounts, higher deductibles and smart home improvements.
Combine your home and auto insurance with the same company to save 10% to 25% on both policies. State Farm, Allstate and Progressive offer bundle discounts to North Dakota homeowners.
A higher deductible lowers your annual premium but increases what you pay out of pocket for a claim. Choose an amount you can comfortably afford before you need to file one.
North Dakota allows insurers to use credit-based insurance scores when setting rates. A better credit score can save you hundreds of dollars a year on your home insurance premium.
Multiple claims within three years trigger rate increases. Use homeowners insurance for major losses rather than small repairs you can afford.
Contact your insurer to find all discounts you qualify for beyond bundling. Look over your policy every year to add new discounts as your situation changes.
Frequently asked questions about the cheapest home insurance in North Dakota:
Standard homeowners insurance in North Dakota covers tornado damage to your dwelling and personal belongings. Check your policy for exclusions like flood damage, which isn't covered. Since North Dakota faces high tornado risk during spring and summer, this coverage is especially important.
Flood insurance isn't required statewide in North Dakota, but your mortgage lender will require it if you're in a FEMA-designated high-risk flood zone. Even if not required, consider purchasing flood insurance since standard homeowners policies don't cover flood damage, leaving you financially vulnerable.
Replacement cost coverage pays the full amount to replace damaged property without subtracting for wear and tear, letting you rebuild as before. Actual cash value coverage deducts depreciation, giving you less money. North Dakota lenders require replacement cost coverage to protect their investment.
You can cancel your North Dakota home insurance anytime without a waiting period. Some insurers charge cancellation fees, though you'll receive a refund for the unused premium. Mortgage lenders require continuous coverage, so have replacement insurance ready.
Our rate analysis is based on what most North Dakota homeowners need: standard coverage for a typical single-family home built within the past 25 years.
We collected quotes from major insurers using a consistent homeowner profile across North Dakota. The method shows how each company prices the same coverage by removing variables that make direct comparisons difficult. The base profile represents the most common home insurance scenario in North Dakota.
Standard Coverage Profile:
For specialty scenarios like older homes, high-value properties and rural locations, we adjusted variables from this base profile and held other factors constant. The results show how certain characteristics affect your rate against the standard homeowner profile.
These figures are estimates based on statewide averages. Your actual premium depends on your home's location, age, construction type and your claims history. Compare quotes from at least three insurers to find your lowest rate.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
