North Dakota home insurance costs about $167 monthly or $2,007 annually on average. Homeowners in North Dakota pay $53 less per month, or $628 less annually, than the national average, making it the 23rd most affordable state for home insurance.
Average Home Insurance Cost in North Dakota
Updated: May 31, 2025
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Rates updated:
Jun 09, 2025
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Key Takeaways
Home insurance costs in North Dakota range from $1,069 to $9,127 per year, depending on your financial history, home details, coverage chosen and provider.
North Dakota's home insurance premiums are the 23rd most affordable in the country, at 24% below the national average.
To find the best home insurance in North Dakota, determine what coverage you need beforehand, research costs and discounts in your area, and shop around.
How Much Is Home Insurance in North Dakota?
| North Dakota Average | $167 | $2,007 | -24% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 Dwelling, $125,000 Personal Property and $200,000 Liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in North Dakota?
Home insurance is expensive in North Dakota mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs, and state insurance laws. Below, we explain each factor in detail:
Rising Claims
An increase in insurance claims often leads to higher home insurance costs, as insurers adjust premiums to cover the payouts and maintain profitability.
High Weather Risks
Regions with elevated risk of natural disasters, such as tornadoes, hailstorms or severe winter storms, typically experience higher home insurance rates due to the greater likelihood of costly damage.
Rising Material and Labor Costs
Lumber, steel and contractor wages have all gotten more expensive, which means fixing or rebuilding your home costs significantly more than it did just a few years ago. Insurance companies have to raise premiums to keep up with these higher repair bills. Otherwise, they couldn't afford to pay out claims when disasters strike.
State Insurance Laws
North Dakota insurance regulations can impact the cost of home insurance. Mandates on coverage types or minimum limits can result in higher premiums for homeowners.
What Affects North Dakota Home Insurance Costs?
Like with most home insurance companies, pricing is mostly affected by these factors:
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
Below, we'll highlight how much each factor affects home insurance rates in North Dakota.
How Much Does Coverage Affect Home Insurance Costs?
Coverage choice is the most influential factor in North Dakota home insurance rates, with costs ranging from $982 to $7,333 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $82 | $982 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $611 | $7,333 |
How Much Do Home Details Affect Home Insurance Costs?
Depending on home details like age, construction materials and roof type, homeowners insurance rates in North Dakota can range from $87 to $177 per month. These factors affect replacement costs and the risk of damage or theft, making home details the second most influential factor for insurance rates.
| Lowest | New | Superior | Tile | $87 | $1,038 |
| Highest | Old | Frame | Shake-Treated | $177 | $2,128 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the third most influential factor in North Dakota home insurance rates, with prices ranging from 25% below to 51% above the state average.
| Lowest | North Star Mutual | $124 | $1,489 |
| Highest | Farmers | $252 | $3,029 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 43%, with annual average rates ranging from $1,625 to $3,607.
| Lowest | Excellent | $135 | $1,625 |
| Highest | Poor | $301 | $3,607 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims will increase your perceived risk for insurers, which can increase premiums. However, in North Dakota, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 16% or $746 annually.
| Lowest | Claim free for 5+ years | $167 | $2,007 |
| Highest | 2 claims in past 5 years | $229 | $2,752 |
Tips to Save on North Dakota Home Insurance
High home insurance costs in North Dakota make saving on premiums crucial. Whether you're buying a new home or looking to cut current expenses, it's important to find affordable options. Here are tips to help you secure the best and cheapest home insurance in North Dakota tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in North Dakota can help you save on costs for both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums substantially. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
If you're denied traditional home insurance coverage, check if North Dakota offers programs to help you get affordable coverage. Although these programs may offer lower coverage amounts than traditional policies, they can still meet mortgage requirements.
North Dakota Home Insurance Calculator: Bottom Line
Home insurance costs vary by coverage and provider. Research and compare rates, then find your best deal with our estimate tool.
Homeowners Calculator Insurance North Dakota: FAQ
The cost of homeowners insurance in North Dakota varies based on several factors. To help you estimate your costs, MoneyGeek answers common questions about North Dakota home insurance.
How much does homeowners insurance cost in North Dakota?
North Dakota's average monthly home insurance cost is $167 for dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your chosen coverage level and provider. Your credit score and home details also influence your rates.
How We Determined Our North Dakota Home Insurance Estimates
When determining the average cost of home insurance in North Dakota, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.