Best Homeowners Insurance in North Dakota
Best cheap home insurance in North Dakota
Cheapest home insurance in North Dakota
North Star Mutual has the cheapest home insurance in North Dakota at $1,947 a year, or $162 a month. This is 25% less than the next-cheapest rate of $218 a month from Country Financial.
Cheapest home insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | North Star Mutual | $1,947 |  |
 | Country Financial | $2,617 |  |
 | American Family | $2,689 | |
 | Allstate | $2,776 | |
 | Auto-Owners | $3,167 | |
 | Nodak | $3,194 |  |
 | State Farm | $3,295 | |
 | Farmers | $3,605 | |
Your actual rate depends on factors like your home’s value, your location and your credit. Since each company’s rates vary by customer, it’s good to compare home insurance quotes from a few companies when you shop.
Best homeowners insurance companies in North Dakota
American Family is North Dakota’s best home insurance company overall. It offers low rates, good customer service and several coverage options.
North Star Mutual is the best company for low rates. Country Financial has the best customer service ratings. Its overall customer satisfaction
Best homeowners insurance companies
| Company | Best for | Annual rate | Satisfaction score* | Complaint rating** |
|---|---|---|---|---|
| American Family | Overall | $2,689 | 638 | 0.49 (Very good) |
| North Star Mutual | Low rates | $1,947 | Not rated | 0.83 (Good) |
| Country Financial | Customer service | $2,617 | 635 | 0.1 (Excellent) |
Best overall: American Family
American Family’s rates are 8% lower than the state average, and the company gets good customer service ratings. Its 0.49 complaint rating means it has about half as many confirmed complaints as average. This is very good.
The company offers optional coverages that many other companies don’t have. Its flash flood coverage offers a mini-version of flood insurance. It may be enough if your area only has low or moderate flood risks. American Family also offers coverage for hidden water leaks.
PROS
- Excellent complaint rating from the NAIC
- Offers inland flood protection for flash floods
- Coverage also available for hidden water leaks
CONS
- Doesn’t have the cheapest rate
Best rate: North Star Mutual
North Star Mutual keeps home insurance affordable with rates that are 33% less than the state average. The discounts it offers to mature homeowners and homes in protected subdivisions can make it even more affordable.
The company also offers optional protections suited for North Dakota homeowners. These include coverage for refrigerated foods and enhanced boat and RV liability protections
PROS
- Cheapest average rates in North Dakota
- Good complaint rating from the NAIC
- Enhanced liability protection available for boats and RVs
CONS
- Instant quotes not available online
Best customer service: Country Financial
Country Financial’s 0.1 complaint rating means it gets one-tenth as many complaints as average. This means the company does a much better job than most others in meeting customer expectations.
Country Financial also offers flexible coverage options. Its standard named-peril policies cover your home for hazards like fire, wind and burst pipes. While this can save you money, it’s usually worth paying extra for the open-peril coverage for your home in its premier policies. You can also choose between named- and open-peril coverage for your personal property, or belongings.
PROS
- Charges 10% less than the state average
- Excellent NAIC complaint rating
- Flexible coverage options
CONS
- Standard policies only have named-peril coverage for your home
How much is homeowners insurance in North Dakota?
Homeowners insurance costs an average of $2,911 a year for a typical house in North Dakota. However, the actual rate you pay depends on factors like:
- Your home’s age and construction features
- The amount of coverage you need
- Your location
- Your insurance and credit history
Each company weighs these factors differently and offers different discounts. Getting multiple home insurance quotes helps you find the company with the cheapest rates for your situation.
Home insurance rates by coverage amounts
Your policy’s dwelling coverage
Insurance rates by dwelling limits
| Dwelling limit | Annual rate |
|---|---|
| $350,000 | $2,580 |
| $400,000 | $2,911 |
| $450,000 | $3,224 |
If you have a mortgage, your lender will make you insure your home at its replacement value. You can choose a lower amount if you have a low loan balance or own the home outright. However, doing so may leave you short on insurance funds if a disaster strikes.
North Dakota home insurance rates by city
At $211 a month, West Fargo is North Dakota’s cheapest city for homeowners insurance. This barely beats out Manvel, at $212 a month, and Grand Forks, at $213 a month.
Elgin, on the other hand, has the state’s most expensive home insurance at $303 a month. This is 25% higher than the state average.
Home insurance is relatively affordable in Fargo at $218 a month, or 10% less than the state average. It’s more expensive in Bismarck, where homeowners pay an average of $281 a month. This is 16% higher than the state average.
Home insurance rates near you
| City | Annual rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
| Vs. state average |
|---|---|---|
| Abercrombie | $2,801 | -4% |
| Absaraka | $2,722 | -7% |
| Adams | $2,719 | -7% |
| Agate | $2,693 | -8% |
| Alamo | $2,811 | -3% |
| Alexander | $2,903 | 0% |
| Almont | $3,621 | 24% |
| Alsen | $2,683 | -8% |
| Ambrose | $2,838 | -3% |
| Amenia | $2,795 | -4% |
| Amidon | $3,266 | 12% |
| Anamoose | $2,900 | 0% |
| Aneta | $2,885 | -1% |
| Antler | $2,732 | -6% |
| Argusville | $2,751 | -6% |
| Arnegard | $2,905 | 0% |
| Arthur | $2,693 | -8% |
| Arvilla | $2,627 | -10% |
| Ashley | $2,980 | 2% |
| Ayr | $2,723 | -6% |
| Baldwin | $3,261 | 12% |
| Balfour | $2,865 | -2% |
| Balta | $2,884 | -1% |
| Bantry | $2,811 | -3% |
| Barney | $2,823 | -3% |
| Bathgate | $2,692 | -8% |
| Beach | $3,380 | 16% |
| Belcourt | $2,618 | -10% |
| Belfield | $3,359 | 15% |
| Benedict | $2,994 | 3% |
| Berlin | $2,799 | -4% |
| Berthold | $2,843 | -2% |
| Beulah | $3,482 | 20% |
| Binford | $2,874 | -1% |
| Bisbee | $2,689 | -8% |
| Bismarck | $3,373 | 16% |
| Blanchard | $2,797 | -4% |
| Bottineau | $2,599 | -11% |
| Bowbells | $2,785 | -4% |
| Bowdon | $3,147 | 8% |
| Bowman | $3,428 | 18% |
| Braddock | $3,333 | 14% |
| Brocket | $2,697 | -7% |
| Buchanan | $2,912 | 0% |
| Buffalo | $2,759 | -5% |
| Burlington | $2,815 | -3% |
| Butte | $3,152 | 8% |
| Buxton | $2,632 | -10% |
| Caledonia | $2,726 | -6% |
| Calvin | $2,687 | -8% |
| Cando | $2,678 | -8% |
| Cannon Ball | $3,506 | 20% |
| Carpio | $2,842 | -2% |
| Carrington | $2,943 | 1% |
| Carson | $3,495 | 20% |
| Cartwright | $2,904 | 0% |
| Casselton | $2,693 | -7% |
| Cathay | $2,829 | -3% |
| Cavalier | $2,650 | -9% |
| Cayuga | $2,786 | -4% |
| Center | $3,510 | 21% |
| Chaseley | $3,015 | 4% |
| Christine | $2,837 | -3% |
| Churchs Ferry | $2,709 | -7% |
| Cleveland | $2,855 | -2% |
| Clifford | $2,764 | -5% |
| Cogswell | $2,837 | -3% |
| Coleharbor | $3,169 | 9% |
| Colfax | $2,854 | -2% |
| Columbus | $2,804 | -4% |
| Cooperstown | $2,769 | -5% |
| Courtenay | $2,805 | -4% |
| Crary | $2,776 | -5% |
| Crosby | $2,825 | -3% |
| Crystal | $2,717 | -7% |
| Cummings | $2,681 | -8% |
| Dahlen | $2,803 | -4% |
| Davenport | $2,724 | -6% |
| Dawson | $3,223 | 11% |
| Dazey | $2,802 | -4% |
| Deering | $2,854 | -2% |
| Denhoff | $3,016 | 4% |
| Des Lacs | $2,876 | -1% |
| Devils Lake | $2,685 | -8% |
| Dickey | $2,773 | -5% |
| Dickinson | $3,305 | 14% |
| Dodge | $3,391 | 16% |
| Donnybrook | $2,921 | 0% |
| Douglas | $2,929 | 1% |
| Drake | $2,873 | -1% |
| Drayton | $2,639 | -9% |
| Driscoll | $3,256 | 12% |
| Dunn Center | $3,485 | 20% |
| Dunseith | $2,686 | -8% |
| Edgeley | $2,813 | -3% |
| Edinburg | $2,681 | -8% |
| Edmore | $2,683 | -8% |
| Egeland | $2,700 | -7% |
| Elgin | $3,633 | 25% |
| Ellendale | $2,780 | -4% |
| Emerado | $2,620 | -10% |
| Enderlin | $2,744 | -6% |
| Epping | $2,863 | -2% |
| Erie | $2,736 | -6% |
| Esmond | $2,732 | -6% |
| Fairdale | $2,719 | -7% |
| Fairfield | $3,261 | 12% |
| Fairmount | $2,839 | -2% |
| Fargo | $2,613 | -10% |
| Fessenden | $2,954 | 1% |
| Fingal | $2,793 | -4% |
| Finley | $2,782 | -4% |
| Flasher | $3,364 | 16% |
| Flaxton | $3,048 | 5% |
| Forbes | $2,865 | -2% |
| Fordville | $2,737 | -6% |
| Forest River | $2,722 | -7% |
| Forman | $2,757 | -5% |
| Fort Ransom | $2,783 | -4% |
| Fort Totten | $2,780 | -5% |
| Fort Yates | $3,472 | 19% |
| Fortuna | $2,821 | -3% |
| Fredonia | $2,878 | -1% |
| Fullerton | $2,828 | -3% |
| Gackle | $3,004 | 3% |
| Galesburg | $2,710 | -7% |
| Gardner | $2,662 | -9% |
| Garrison | $3,050 | 5% |
| Gilby | $2,656 | -9% |
| Gladstone | $3,433 | 18% |
| Glasston | $2,706 | -7% |
| Glen Ullin | $3,614 | 24% |
| Glenburn | $2,869 | -1% |
| Glenfield | $2,790 | -4% |
| Golden Valley | $3,379 | 16% |
| Golva | $3,256 | 12% |
| Goodrich | $3,037 | 4% |
| Grace City | $2,812 | -3% |
| Grafton | $2,684 | -8% |
| Grand Forks | $2,559 | -12% |
| Grand Forks AFB | $2,613 | -10% |
| Grandin | $2,738 | -6% |
| Granville | $2,831 | -3% |
| Grassy Butte | $2,928 | 1% |
| Grenora | $2,884 | -1% |
| Gwinner | $2,755 | -5% |
| Hague | $3,349 | 15% |
| Halliday | $3,485 | 20% |
| Hamilton | $2,719 | -7% |
| Hampden | $2,682 | -8% |
| Hankinson | $2,790 | -4% |
| Hannaford | $2,810 | -3% |
| Hannah | $2,708 | -7% |
| Hansboro | $2,688 | -8% |
| Harvey | $3,059 | 5% |
| Harwood | $2,674 | -8% |
| Hatton | $2,692 | -8% |
| Havana | $2,786 | -4% |
| Hazelton | $3,440 | 18% |
| Hazen | $3,439 | 18% |
| Hebron | $3,597 | 24% |
| Hensel | $2,700 | -7% |
| Hettinger | $3,452 | 19% |
| Hillsboro | $2,713 | -7% |
| Hoople | $2,699 | -7% |
| Hope | $2,831 | -3% |
| Horace | $2,720 | -7% |
| Hunter | $2,722 | -6% |
| Hurdsfield | $3,027 | 4% |
| Inkster | $2,701 | -7% |
| Jamestown | $2,851 | -2% |
| Jessie | $3,012 | 3% |
| Jud | $2,864 | -2% |
| Karlsruhe | $2,863 | -2% |
| Kathryn | $2,766 | -5% |
| Keene | $2,916 | 0% |
| Kenmare | $2,970 | 2% |
| Kensal | $2,808 | -4% |
| Killdeer | $3,266 | 12% |
| Kindred | $2,766 | -5% |
| Kintyre | $3,286 | 13% |
| Knox | $2,716 | -7% |
| Kramer | $2,712 | -7% |
| Kulm | $2,835 | -3% |
| Lakota | $2,774 | -5% |
| LaMoure | $2,793 | -4% |
| Langdon | $2,618 | -10% |
| Lankin | $2,698 | -7% |
| Lansford | $2,731 | -6% |
| Larimore | $2,717 | -7% |
| Lawton | $2,698 | -7% |
| Leeds | $2,715 | -7% |
| Lefor | $3,432 | 18% |
| Lehr | $2,866 | -2% |
| Leonard | $2,767 | -5% |
| Lidgerwood | $2,765 | -5% |
| Lignite | $2,828 | -3% |
| Lincoln | $3,278 | 13% |
| Linton | $3,437 | 18% |
| Lisbon | $2,782 | -4% |
| Litchville | $2,769 | -5% |
| Luverne | $2,713 | -7% |
| Maddock | $2,907 | 0% |
| Maida | $2,725 | -6% |
| Makoti | $2,898 | 0% |
| Mandan | $3,278 | 13% |
| Mandaree | $2,958 | 2% |
| Manning | $3,276 | 13% |
| Mantador | $2,806 | -4% |
| Manvel | $2,546 | -13% |
| Mapleton | $2,628 | -10% |
| Marion | $2,788 | -4% |
| Marmarth | $3,250 | 12% |
| Marshall | $3,426 | 18% |
| Martin | $2,994 | 3% |
| Max | $2,996 | 3% |
| Maxbass | $2,686 | -8% |
| Mayville | $2,653 | -9% |
| McClusky | $3,125 | 7% |
| Mcgregor | $2,856 | -2% |
| McHenry | $2,802 | -4% |
| Mcleod | $2,886 | -1% |
| McVille | $2,888 | -1% |
| Medina | $2,941 | 1% |
| Medora | $3,257 | 12% |
| Mekinock | $2,583 | -11% |
| Menoken | $3,382 | 16% |
| Mercer | $3,238 | 11% |
| Michigan | $2,758 | -5% |
| Milnor | $2,762 | -5% |
| Milton | $2,717 | -7% |
| Minnewaukan | $2,796 | -4% |
| Minot | $2,711 | -7% |
| Minot AFB | $2,696 | -7% |
| Minto | $2,666 | -8% |
| Moffit | $3,309 | 14% |
| Mohall | $2,843 | -2% |
| Montpelier | $2,850 | -2% |
| Mooreton | $2,881 | -1% |
| Mott | $3,592 | 23% |
| Mountain | $2,704 | -7% |
| Munich | $2,686 | -8% |
| Mylo | $2,691 | -8% |
| Napoleon | $2,999 | 3% |
| Neche | $2,704 | -7% |
| Nekoma | $2,685 | -8% |
| New England | $3,547 | 22% |
| New Leipzig | $3,532 | 21% |
| New Rockford | $2,860 | -2% |
| New Salem | $3,617 | 24% |
| New Town | $2,880 | -1% |
| Newburg | $2,730 | -6% |
| Niagara | $2,734 | -6% |
| Nome | $2,787 | -4% |
| Noonan | $2,838 | -3% |
| Northwood | $2,770 | -5% |
| Norwich | $2,843 | -2% |
| Oakes | $2,807 | -4% |
| Oberon | $2,795 | -4% |
| Oriska | $2,786 | -4% |
| Osnabrock | $2,683 | -8% |
| Page | $2,728 | -6% |
| Palermo | $2,994 | 3% |
| Park River | $2,703 | -7% |
| Parshall | $2,863 | -2% |
| Pekin | $2,859 | -2% |
| Pembina | $2,664 | -9% |
| Penn | $2,721 | -7% |
| Perth | $2,689 | -8% |
| Petersburg | $2,780 | -4% |
| Pettibone | $3,214 | 10% |
| Pillsbury | $2,831 | -3% |
| Pingree | $2,818 | -3% |
| Pisek | $2,667 | -8% |
| Plaza | $2,906 | 0% |
| Portal | $2,831 | -3% |
| Portland | $2,678 | -8% |
| Powers Lake | $2,866 | -2% |
| Raleigh | $3,400 | 17% |
| Ray | $2,822 | -3% |
| Reeder | $3,341 | 15% |
| Regan | $3,306 | 14% |
| Regent | $3,592 | 23% |
| Reynolds | $2,688 | -8% |
| Rhame | $3,427 | 18% |
| Richardton | $3,515 | 21% |
| Riverdale | $3,067 | 5% |
| Robinson | $3,384 | 16% |
| Rocklake | $2,698 | -7% |
| Rogers | $2,812 | -3% |
| Rolette | $2,717 | -7% |
| Rolla | $2,653 | -9% |
| Roseglen | $3,082 | 6% |
| Ross | $2,817 | -3% |
| Rugby | $2,696 | -7% |
| Ruso | $3,164 | 9% |
| Rutland | $2,799 | -4% |
| Ryder | $2,889 | -1% |
| Sanborn | $2,750 | -6% |
| Sarles | $2,689 | -8% |
| Sawyer | $2,865 | -2% |
| Scranton | $3,424 | 18% |
| Selfridge | $3,353 | 15% |
| Sentinel Butte | $3,274 | 12% |
| Sharon | $2,879 | -1% |
| Sheldon | $2,787 | -4% |
| Shell Valley | $2,619 | -10% |
| Sherwood | $2,874 | -1% |
| Sheyenne | $2,828 | -3% |
| Shields | $3,400 | 17% |
| Solen | $3,373 | 16% |
| Souris | $2,688 | -8% |
| South Heart | $3,489 | 20% |
| Spiritwood | $2,847 | -2% |
| St. Anthony | $3,469 | 19% |
| St. John | $2,685 | -8% |
| St. Michael | $2,796 | -4% |
| St. Thomas | $2,677 | -8% |
| Stanley | $2,983 | 2% |
| Stanton | $3,421 | 18% |
| Starkweather | $2,672 | -8% |
| Steele | $3,301 | 13% |
| Sterling | $3,376 | 16% |
| Stirum | $2,756 | -5% |
| Strasburg | $3,439 | 18% |
| Streeter | $2,884 | -1% |
| Surrey | $2,797 | -4% |
| Sutton | $2,819 | -3% |
| Sykeston | $2,881 | -1% |
| Tappen | $3,345 | 15% |
| Taylor | $3,431 | 18% |
| Thompson | $2,605 | -11% |
| Tioga | $2,822 | -3% |
| Tokio | $2,824 | -3% |
| Tolley | $2,837 | -3% |
| Tolna | $2,961 | 2% |
| Tower City | $2,782 | -4% |
| Towner | $2,859 | -2% |
| Trenton | $2,739 | -6% |
| Turtle Lake | $3,305 | 14% |
| Tuttle | $3,137 | 8% |
| Underwood | $3,132 | 8% |
| Upham | $2,874 | -1% |
| Valley City | $2,711 | -7% |
| Velva | $2,840 | -2% |
| Verona | $2,832 | -3% |
| Voltaire | $2,910 | 0% |
| Wahpeton | $2,770 | -5% |
| Walcott | $2,822 | -3% |
| Wales | $2,734 | -6% |
| Walhalla | $2,697 | -7% |
| Warwick | $2,808 | -4% |
| Washburn | $3,286 | 13% |
| Watford City | $2,866 | -2% |
| Webster | $2,708 | -7% |
| West Fargo | $2,530 | -13% |
| Westhope | $2,700 | -7% |
| Wheatland | $2,741 | -6% |
| White Earth | $2,999 | 3% |
| Wildrose | $2,828 | -3% |
| Williston | $2,798 | -4% |
| Willow City | $2,700 | -7% |
| Wilton | $3,296 | 13% |
| Wimbledon | $2,803 | -4% |
| Wing | $3,228 | 11% |
| Wishek | $2,987 | 3% |
| Wolford | $2,714 | -7% |
| Woodworth | $2,935 | 1% |
| Wyndmere | $2,778 | -5% |
| York | $2,714 | -7% |
| Ypsilanti | $2,936 | 1% |
| Zahl | $2,818 | -3% |
| Zap | $3,505 | 20% |
| Zeeland | $2,989 | 3% |
How much is flood insurance in North Dakota?
Flood insurance costs an average of $794 a year in North Dakota, or $66 a month. Standard home insurance does not cover flood damage. Instead, you need flood insurance for protection from this risk.
Flood insurance is only required if you need a mortgage for a home in a high-risk flood zone. However, the prevalence of flooding makes it worth considering in other situations.
Most flood insurance is bought through the Federal Emergency Management Agency (FEMA). FEMA offers up to $250,000 in coverage for your home and up to $100,000 for your contents or belongings.
FEMA makes its flood policies available through local insurance agents. Your current home insurance agent, or the ones you contact for quotes, should be able to get you a flood insurance quote. You can also find agents who can help on FEMA’s online provider directory.
Methodology
The rates shown in this article are based on non-binding quotes obtained from Quadrant Information Services. Your rates may vary. Average rates are based on insurance quotes for a typical home in every North Dakota ZIP code. Unless otherwise noted, policies include:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
—
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings, and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.