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North Dakota Homeowners Insurance Calculator: Free Cost Estimator (2023)

Updated: Sep 19, 2023
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North Dakota

Dwelling Coverage






Personal Property


Credit Score


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These are annual estimates. Get a personalized quote to determine your costs.

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If you're looking for the cheapest homeowners insurance in North Dakota, Allstate offers it, according to MoneyGeek’s research. However, keep in mind that companies offer different things, and there are those that meet individual needs better.

MoneyGeek also compiled a list of the top homeowners insurance companies in North Dakota in order to help you find one that offers the best combination of value and customer satisfaction.

How to Estimate the Cost of Your Homeowners Insurance Policy in North Dakota

Homeowners insurance rates vary depending on factors such as where you live, your credit score, the deductible you have and how much liability coverage you get. MoneyGeek's North Dakota homeowners insurance calculator can help you estimate what you might pay for home insurance in the state according to your personal and home profile.

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    North Dakota

    The state, city or town in which you live in North Dakota can have a huge impact on how much money you spend on homeowners insurance.

    That is because there are many factors that go into determining the risk level of an area. One example is crime rates. If your home is in an area with high crime rates, then your home will be at a greater risk of being broken into or damaged by vandalism than if it were located in a safer neighborhood.

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    Dwelling Coverage

    Homeowners insurance includes dwelling coverage. It covers damage to your house in the event of covered perils, such as fire. To avoid underinsurance, make sure you have adequate coverage to pay for the cost of rebuilding your home.

    The average dwelling coverage on a homeowners policy in North Dakota is $250,000.

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    When you buy a homeowners insurance policy, you must choose a deductible. The deductible is the amount of money that you will pay upfront before your insurance company starts to provide coverage for repairs or replacement of your home or belongings.

    As a rule of thumb, a higher deductible means a lower premium. And if you choose a low deductible, you should expect to pay more.

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    Liability insurance covers injuries to someone when on your property or damage to another person's property you cause out of negligence. It can help pay for medical bills, legal fees and any repairs that might be necessary.

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    Personal Property

    Personal property insurance replaces or repairs your belongings if they're damaged or destroyed by a covered peril, theft or other unforeseen, covered incident.

    MoneyGeek's insurance calculator helps you determine how much personal property coverage you need.

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    Credit Score

    When you apply for homeowners insurance, North Dakota insurers take into consideration your financial situation. A good credit score can help you get a cheaper policy; a bad credit score can make you pay more.

    It pays to have your finances in order before applying for home insurance.


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Average Cost of Home Insurance in North Dakota

When it comes to homeowners insurance, North Dakota has the 35th most expensive rate in the country for $250K of dwelling coverage. The average homeowner in the state could expect to pay about $2,681 a year for a $250,000 dwelling coverage policy, which is about 11% more than the national average.

If you need more or less coverage, take a look at the table below that outlines the varying average dwelling coverage costs for homeowners insurance in North Dakota.

Average Annual Premium in North Dakota for Homeowners Insurance
Dwelling Coverage Amount
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To get a good idea of how much it will cost to rebuild your home, you should consider the age, materials and size of the house before choosing a dwelling coverage amount. You may also consider extended or guaranteed replacement cost coverage, which can help cover additional rebuilding costs if they are higher than anticipated by the dwelling coverage you have on your policy.

It is advisable to buy enough dwelling coverage to cover the cost of rebuilding your home. Remember that the dwelling coverage should be based on what it would cost to rebuild, not just how much your house is worth now. You can get help from an appraiser or insurance agent to calculate your dwelling coverage needs.

Frequently Asked Questions About Home Insurance in North Dakota

The cost of homeowners insurance in North Dakota depends on a number of different factors. We answer the most commonly asked questions regarding the cost of homeowners insurance in the state below.


To determine the average cost of homeowners insurance in North Dakota, MoneyGeek sourced pricing data from Quadrant Information Services.

MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance. This standard home profile consists of the following attributes:

  • Construction year: 2000
  • Construction type: Frame
  • Composition roof
  • Three-mile radius from a fire department
  • Assumed value of other structures on the property: 10% of the dwelling coverage
  • Personal property coverage: 40% of the dwelling coverage
  • Liability limit: $100,000
  • Deductible: $1,000

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.