North Dakota home insurance costs $188 per month, totaling $2,256 annually. Residents pay $101 less than the national monthly average ($1,211 less yearly), placing the state 35% below the typical costs.
Average Home Insurance Cost in North Dakota
Updated: January 18, 2026
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Key Takeaways: North Dakota Home Insurance Rates
North Dakota homeowners pay $188 monthly for home insurance, totaling $2,256 yearly.
Calculate your coverage needs first, then request quotes from at least three insurance providers.
Estimate your costs instantly with MoneyGeek's North Dakota home insurance calculator — zero personal details needed.
How Much Is Home Insurance in North Dakota?
| North Dakota | $2,256 | $3,467 | -35% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Feb 01, 2026
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What Affects Average North Dakota Home Insurance Costs?
Location, coverage levels, construction details, credit history, past claims and your chosen company all determine premiums. Each variable can swing annual costs by several hundred dollars.
Average North Dakota Homeowners Insurance Pricing by Coverage Level
Coverage choices determine your monthly bill. Basic $100,000 dwelling protection starts at $101 monthly, while comprehensive $1 million coverage hits $605.
| $100K Dwelling / $50K Personal Property / $100K Liability | $101 | $1,215 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $188 | $2,256 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $331 | $3,971 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $468 | $5,613 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $605 | $7,256 |
Average Cost of North Dakota Home Insurance by Company
The priciest insurer charges more than double what the cheapest does: $3,760 yearly with Farmers compared to $1,526 with North Star Mutual.
| North Star Mutual | $127 | $1,526 |
| Agraria Insurance | $138 | $1,654 |
| Allstate | $157 | $1,882 |
| American Family | $158 | $1,897 |
| COUNTRY Financial | $163 | $1,953 |
| Auto-Owners Insurance | $221 | $2,649 |
| State Farm | $227 | $2,726 |
| Farmers | $313 | $3,760 |
Average North Dakota Home Insurance Cost by City
Where you live in North Dakota affects your insurance bill. Rates range from $171 monthly in Fargo to $209 in Adams and Willow City, a 22% difference driven by local weather patterns, building ages and property values.
| Adams | $209 | $2,507 |
| Fargo | $171 | $2,057 |
| Grand Forks | $180 | $2,155 |
| Willow City | $209 | $2,503 |
North Dakota Homeowners Insurance Costs by House Age
Newer homes save you money on insurance. Properties from 2020 cost $150 monthly compared to $190 for 1980 construction, a 21% increase in premium for outdated systems and aging materials that insurers view as higher risk.
| Newer | $150 | $1,796 |
| Middle Age | $188 | $2,256 |
| Older | $190 | $2,280 |
Average North Dakota Home Insurance Cost by Credit Score
Better credit means lower premiums. North Dakota rates drop from $3,917 yearly with poor credit to $1,523 with excellent scores — insurers reward financial reliability.
| Excellent | $127 | $1,523 |
| Good | $188 | $2,256 |
| Below Fair | $251 | $3,006 |
| Poor | $326 | $3,917 |
Why Is Home Insurance So Affordable in North Dakota?
North Dakota homeowners enjoy insurance costs 35% below the national average at $2,256 annually. Certain factors drive these lower-than-average premiums despite the state's severe weather risks.
Lower population density reduces claim frequency
North Dakota ranks fourth-lowest in U.S. population density with just 11 people per square mile, according to the U.S. Census Bureau. Rural areas face fewer property crimes, vandalism incidents and liability claims than densely populated urban centers.
Modest home values keep replacement costs down
North Dakota's median home value sits at $241,100 as of 2024, well below the national median of $303,400. Lower property values directly translate to reduced dwelling coverage requirements and smaller potential payouts.
Home insurance premiums scale proportionally with replacement costs, so North Dakota's affordable housing market naturally produces lower insurance premiums compared to high-cost states.
Strong building codes and construction standards
North Dakota enforces modern building codes that require wind-resistant construction, proper insulation for extreme cold and snow load requirements for roofs. Homes built to withstand harsh winters and severe weather result in fewer weather-related claims.
Tips to Save on North Dakota Home Insurance
North Dakota home insurance averages $2,256 yearly, but you can get cheap home insurance.
- 1Calculate your coverage needs
Start with replacement cost; what rebuilding costs today, not your home's market value. Document every room's belongings to calculate your personal property coverage. Add scheduled coverage for jewelry or electronics worth more than standard limits. Extended replacement cost coverage protects you when rebuilding exceeds policy limits.
- 2Research costs and discounts
Use MoneyGeek's North Dakota home insurance calculator above for instant premium estimates based on your home's age, location and coverage needs. Security systems, new construction, spotless claim records and protective equipment like smoke detectors or storm shutters unlock 10% to 20% discounts from most insurers.
- 3Compare multiple providers
Get quotes from three insurers minimum. Compare prices, but factor in customer service ratings, claims handling reputation and financial strength ratings before choosing.
- 4Bundle policies
Pairing home and auto insurance with the same company can result in a 10% to 25% reduction in both premiums. State Farm offers bundling discounts for North Dakota policyholders.
- 5Reduce your risk profile
Install security systems, smoke detectors or replace your roof to qualify for premium reductions. A clean five-year claims history saves you hundreds annually compared to filing even one claim.
Improve your credit from below fair to good and reduce North Dakota premiums by 25%. Pay bills on time, reduce credit card balances and dispute credit report errors.
DOCUMENT YOUR HOME BEFORE DISASTER STRIKES
Create a detailed home inventory with photos or video of each room and your belongings. Store receipts for expensive items, jewelry appraisals and renovation records in cloud storage or a safe deposit box. This documentation speeds up claims processing and helps you prove the value of damaged or stolen property. Update your inventory annually and after major purchases. Many insurers offer mobile apps that simplify this process and store your documentation securely.
Calculate North Dakota Homeowners Insurance Costs: FAQ
North Dakota homeowners want to know how claims, building age and credit scores shift their premiums.
How much will my premium increase after filing a claim in North Dakota?
One claim adds $356 per year; two claims tack on $1,110. North Dakota homeowners with clean five-year histories pay $2,256 on average. File one claim and you're at $2,612. Two claims can push your annual cost to $2,911. Claims stick around on your record for five years.
How much can I save by choosing a different insurer in North Dakota?
The priciest provider charges more than double what the cheapest does: $3,760 yearly with Farmers versus $1,526 with North Star Mutual for the same coverage. Never settle for the first quote.
Does home insurance in North Dakota cover tornado and flood damage?
Standard policies cover tornado wind damage but not flooding. North Dakota allows wind or hail deductibles of 1% to 5% of your dwelling coverage. You need separate flood policies through the National Flood Insurance Program or private companies. Spring thaws and Red River flooding create real risks statewide.
Why does home insurance cost more for older homes in North Dakota?
Older homes mean older problems. Outdated electrical systems, aging roofs and worn plumbing increase damage risks. A 1980-built home costs $2,280 yearly, while a 2020 construction costs $1,796.
How can I lower my home insurance costs in North Dakota?
Add protective devices like security systems, smoke detectors and storm shutters. Keep your claims record clean and work on improving your credit score. Shop quotes from multiple companies; the savings are huge.
Bundle your home and auto policies for 10% to 25% off both. Bump your deductible from $1,000 to $2,500 to drop premiums further.
How We Analyzed North Dakota Home Insurance Rates
North Dakota homeowners see quotes vary by thousands of dollars for identical coverage, sometimes six times more. We built our rate analysis to isolate what actually drives your costs, helping you identify where you can save and where you should spend.
Our baseline home: $250,000 dwelling coverage, $125,000 personal property, $200,000 liability and a $1,000 deductible. This frame home built in 2000 with a composition roof and no claims in five years reflects North Dakota's median home value and most common construction age. We chose these specifications because they represent the typical North Dakota homeowner's situation.
We changed one variable at a time to measure each factor's real cost impact. For home age, we compared rates for identical coverage on homes built in 1980, 2000 and 2020. For credit scores, we requested quotes using excellent, good, below fair and poor credit while keeping all other details the same. This approach shows exactly what each factor costs, not general trends or estimates.
Your actual rates depend on your home's age, construction type, roof condition, coverage limits, claims history, credit score and ZIP code. Use these comparisons to focus on the factors you can control.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- US Census Bureau. "Quick Facts: North Dakota." Accessed January 6, 2026.