The home insurance calculator provides a personalized rate estimate based on your profile, including your desired coverage limits, location, home age, credit score and more. Select your details below to estimate home insurance premiums tailored to your specific needs in North Dakota.
Home Insurance Calculator in North Dakota
Updated: May 21, 2026
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Key Takeaways
North Dakota averages $188 per month ($2,256 per year) for $250,000 in dwelling coverage, which is 35% below the national average of $289 per month ($3,467 per year).
To calculate how much home insurance coverage you need, estimate your home's rebuild cost and the value of your personal belongings, then use a home insurance calculator to see how different coverage limits affect your premium.
In North Dakota, the cheapest provider is $2,234 less per year than the most expensive, so comparing quotes is one of the most effective ways to lower your rate.
Estimate Your North Dakota Home Insurance Cost
North Dakota Home Insurance Rate Calculator
A profile of 41 to 60-year-old homeowners with no prior claims insuring a 2,500-square-foot home with a $1,000 deductible.
Select Coverage Level
Select Deductible
Select Home Age
Select Credit Alignment
Average Monthly Premium—
Select Coverage Level
Average Monthly Premium—
Select Deductible
Select Home Age
Select Credit Alignment
How North Dakota Home Insurance Costs Are Calculated
Home insurance rates in North Dakota are determined by a combination of factors that insurers weigh differently, meaning the same home can carry very different premiums depending on which provider you choose. Important factors include your coverage level, provider, city, house age, credit score and claims history, each of which can move your rate up or down by hundreds of dollars per year.
Coverage Level
The coverage level you select is one of the strongest drivers of your home insurance premium, since higher limits mean the insurer takes on more financial risk. In North Dakota, the lowest tier ($100K dwelling) averages $101 per month while the highest ($1MM dwelling) averages $605 per month, a $504 monthly difference for the same home profile. Choose a coverage level that reflects your home's full rebuild cost rather than its market value, and use our calculator to see how different limits affect your rate.
Provider
Insurance companies use proprietary pricing models, which means rates for identical coverage can vary widely from one carrier to the next. Our research shows that North Star Mutual averages $1,526 per year while Farmers averages $3,760 per year for the same profile, a $2,234 annual spread. Comparing quotes from multiple providers is one of the most effective ways to lower your home insurance cost without reducing coverage.
City
Where your home sits within North Dakota affects your rate because local factors like weather patterns, crime rates and proximity to fire stations vary by city. Our North Dakota data shows that Fargo averages $171 per month (9% below the state average) while Adams averages $209 per month (11% above the state average), relatively moderate city-to-city variation compared to coastal states. Even within your city, your specific ZIP code can shift your rate, so always enter your exact location when using a calculator.
House Age
Older homes often cost more to insure because aging electrical, plumbing and roofing systems carry a higher risk of damage or failure. In North Dakota, our analysis shows that newer homes average $150 per month while middle-age and older homes average $188 per month and $190 per month respectively, a $38 to $40 monthly difference. If you own an older home, ask insurers about discounts for updated systems, as renovations to roofing or electrical can meaningfully lower your premium.
Credit Score
In most states including North Dakota, insurers use a credit-based insurance score as a predictor of claims likelihood, and it can have a substantial impact on your rate. Our data shows that homeowners with excellent credit pay $127 per month on average while those with poor credit pay $326 per month, a $199 monthly difference ($2,388 per year). Paying bills on time, reducing credit card balances and monitoring your credit report for errors are practical steps toward a better insurance rate.
Claims History
A history of prior claims signals higher risk to insurers, which translates directly into higher premiums. In North Dakota, a homeowner with one prior claim pays roughly $207 per month compared to $188 per month for a claim-free homeowner at a $1,000 deductible, with two claims pushing that to roughly $243 per month. For minor repairs that fall near your deductible threshold, it may be worth paying out of pocket to preserve your claims-free discount.
All rates referenced on this page are based on our analysis of quotes for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible.
MoneyGeek analyzed home insurance quotes across North Dakota to calculate average premiums by coverage level, deductible, home age, credit score and claims history. Our data reflects quotes for a middle-aged homeowner (41–60) in a 2,500-square-foot home with low fire risk and a claim-free history of five or more years, sourced from multiple insurers operating in the state. Learn more about our home insurance methodology.
How Much Home Insurance Do You Need in North Dakota?
Dwelling coverage is the primary driver of home insurance cost in North Dakota, and the right amount should reflect what it would cost to fully rebuild your home at current labor and material prices, not its market value. Use the free calculator above to enter your home's details and instantly see how different dwelling coverage limits affect your estimated premium in North Dakota.
Home Replacement Cost Estimator
A simple way to get a replacement cost estimate for your home is to find the average per-foot rebuilding cost for your area and multiply that by your home's overall square footage.
Home Details
sq. ft.
How Much Personal Property Coverage Do You Need in North Dakota?
Personal property coverage protects the contents of your North Dakota home, including furniture, electronics and clothing, and the amount you choose directly affects your premium. Take a home inventory to estimate the total replacement value of your belongings, then use the free calculator above to see how different personal property coverage limits change your estimated rate.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
How to Decide How Much North Dakota Home Insurance to Buy
The three main coverages that drive the cost of a North Dakota home insurance policy are dwelling coverage, personal property coverage and personal liability coverage. Setting the right limits for each is the foundation of a policy that protects your finances without overpaying.
Dwelling Coverage
Dwelling coverage pays to repair or rebuild the physical structure of your home, including walls, roof, foundation and attached structures, if damaged by a covered peril such as fire, wind or hail. Standard coverage limits range from $100,000 to $1 million, though the actual options available to you will depend on your provider and the characteristics of your home. To determine the right amount, get a rebuild cost estimate using our Home Replacement Cost Estimator above, and set your dwelling limit to match that figure rather than your home's purchase price.
Personal Property Coverage
Personal property coverage reimburses you for the cost to replace your belongings, including furniture, appliances, clothing and electronics, if they are stolen or destroyed by a covered event. Standard coverage limits range from $50,000 to $500,000, with the actual options depending on your provider. The best way to determine your coverage amount is to conduct a home inventory, adding up the replacement value of everything you own, and then select a limit that covers that total.
Personal Liability Coverage
Personal liability coverage protects you financially if someone is injured on your property or if you accidentally cause damage to someone else's property, covering legal fees and settlements up to your policy limit. Standard coverage limits range from $100,000 to $1 million, with higher limits available through umbrella policies. A good starting point is $300,000 in liability coverage, but homeowners with substantial assets should consider higher limits to fully protect their net worth.
How to Save on Home Insurance in North Dakota
North Dakota homeowners have several practical options for lowering home insurance costs without sacrificing coverage. Following the steps below can help you identify savings opportunities specific to your profile and location in North Dakota.
- 1Compare Providers
Rates vary dramatically by provider in North Dakota. In MoneyGeek's data, North Star Mutual averages $1,526 per year while Farmers averages $3,760 per year for the same profile, a $2,234 annual difference. If you own an older home in a rural area, compare North Star Mutual and Agraria Insurance first since both are regional carriers that price competitively in our data. If you're a newer homeowner in Fargo or Grand Forks, start with North Star Mutual or Allstate for the lowest baseline rates.
- 2Bundle Home and Auto Insurance
Most major insurers offer a meaningful discount when you purchase both home and auto coverage under the same policy, and bundling home and auto insurance is one of the simplest ways to reduce your total insurance spend. Bundling can save North Dakota homeowners hundreds of dollars per year while also simplifying the claims process by keeping both policies with a single carrier.
- 3Ask About Available Discounts
Providers operating in North Dakota, including Allstate, American Family, COUNTRY Financial, Auto-Owners Insurance, State Farm and Farmers, each offer their own set of discounts that may apply to your situation. Ask each insurer about home insurance discounts for new homes, security systems, claims-free history, loyalty and more, since stacking multiple discounts can add up to substantial annual savings.
- 4Raise Your Deductible
Choosing a higher deductible lowers your premium because you agree to absorb more of the cost before your insurance takes effect. In North Dakota, raising the deductible from $500 to $1,000 saves roughly $164 per year ($202 per month vs. $188 per month), and moving from $1,000 to $2,000 saves another $222 per year, making a higher deductible one of the fastest ways to reduce your annual premium if you have sufficient savings to cover the higher out-of-pocket cost.
North Dakota Home Insurance Calculator: Bottom Line
North Dakota homeowners pay well below the national average at $188 per month for $250,000 in dwelling coverage. The $2,234 annual spread between the cheapest provider (North Star Mutual at $1,526 per year) and the most expensive (Farmers at $3,760 per year) in our data shows that provider choice matters just as much as your state. Whether you're looking for the best homeowners insurance or the most affordable option, comparing quotes from multiple carriers is the single highest-impact step you can take to reduce your rate. Use our calculator above to estimate your personalized cost and identify which providers offer the best value for your specific profile.
North Dakota Home Insurance Estimate: FAQ
North Dakota homeowners frequently ask how to estimate their coverage needs and what drives the cost of a policy. Below are answers to the most common questions about calculating home insurance in North Dakota.
How much is home insurance in North Dakota per month?
The average cost of home insurance in North Dakota is $188 per month ($2,256 per year) for a policy with $250,000 in dwelling coverage, 35% below the national average of $289 per month ($3,467 per year). Your actual rate will depend on factors like your coverage level, provider, home age, credit score and location within the state.
Is home insurance in North Dakota required?
Home insurance is not legally required in North Dakota, but if you have a mortgage, your lender will almost certainly require you to carry a homeowners policy for at least the duration of the loan. Even without a mortgage, coverage is strongly recommended given the state's exposure to severe weather including hail, wind and winter storms that can cause costly structural damage.
How do you calculate how much home insurance you need?
To calculate how much home insurance you need, start with your dwelling coverage by estimating the full cost to rebuild your home at current construction prices, not its market value. Multiply your home's square footage by the average per-square-foot rebuild cost in your area to get a baseline dwelling limit. Then add personal property coverage equal to the total replacement value of your belongings (a home inventory helps), and select a personal liability limit of at least $300,000. Use MoneyGeek's home insurance calculator to see how different coverage combinations affect your estimated premium in North Dakota.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.