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Best homeowners insurance companies in North Dakota for 2024

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The Bankrate Promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity, this post may contain references to products from our partners. Here’s an explanation of  how we make money. Our content is backed by Coverage.com  LLC, a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

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Homeowners in North Dakota pay an average of $1,900 per year for home insurance, 33 percent more than the national average. But price isn't everything. Bankrate's insurance editorial team — including licensed insurance agents — aims to help you find home insurance that fits both your needs and budget. Our goal is to provide insights about the North Dakota home insurance market so you can feel confident making the right choice for your needs.

To find the best homeowners insurance in North Dakota, we reviewed each company's average rates, coverage offerings, discounts, digital tools, third-party ratings, accessibility and more. We compiled this data into a proprietary Bankrate Score. Based on our assessment, Allstate, Auto-Owners and State Farm are some of the best North Dakota homeowners insurance companies the state has to offer.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

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Compare the best homeowners insurance companies in North Dakota

North Dakota homeowners pay an average of $1,900 per year for home insurance, substantially more than the national average of $1,428. Based on our research, though, three of the four best North Dakota homeowners insurance companies have rates lower than the state average. And although cheap home insurance is a perk, we also looked at other factors — like customer satisfaction scores from J.D. Power, available coverage types and discounts — to choose companies that are impressive in more than just their prices. If you’re shopping for the best homeowners insurance in North Dakota, you may want to get quotes from these companies:

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in North Dakota

Best for discounts

4.6

4.6

Avg. premium for $300K dwelling

$216/mo

Avg. premium for $300K dwelling

$2,594/yr

Customer satisfaction

834/1,000

Why Auto-Owners made our list: Auto-Owners may not be the most widely-known home insurance company, but it is available in 26 states and offers a unique blend of low average rates, excellent financial strength and above-average customer satisfaction scores. Auto-Owners operates through local independent agents, which may be appealing to some. However, the company doesn’t have an online quoting tool.

Who Auto-Owners may be good for: If you’re looking for a list of discounts to help you lower your premium even more, Auto-Owners might be a good choice. The company offers potential savings for being mortgage-free, having an automatic water shut-off system and owning a qualifying life insurance policy.

CheckmarkPros

Close XCons

Auto-Owners stands out for its personalized approach to insurance, tailoring policies to meet the diverse needs of homeowners across North Dakota. For those seeking enhanced protection, Auto-Owners offers a range of additional coverage options to complement their standard policies:

Best for personalized coverage

4.2

4.2

Avg. premium for $300K dwelling

$209/mo

Avg. premium for $300K dwelling

$2,510/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate is a widely recognized name in the insurance industry. The company boasts high financial strength ratings, offers several discounts and unique endorsements, and has local agents available for those who prefer to handle their insurance needs in person. Allstate’s customer and claims satisfaction ratings from J.D. Power aren't the best, though, which is something to bear in mind when you are shopping for coverage.

Who Allstate may be good for: Allstate might be a good choice if you are looking for unique coverage offerings, such as an endorsement for home-sharing programs.

CheckmarkPros

Close XCons

Allstate, renowned for its comprehensive insurance solutions, offers homeowners in North Dakota a variety of options to enhance their standard coverage. These additional endorsements are designed to cater to homeowners' unique needs and concerns, providing an extra layer of security and peace of mind:

Best for local agents

4.2

4.2

Avg. premium for $300K dwelling

$188/mo

Avg. premium for $300K dwelling

$2,252/yr

Customer satisfaction

829/1,000

Why State Farm made our list: State Farm is the largest home insurance company in the country by market share and is a household-name insurer. With Superior AM Best financial strength, an above-average J.D. Power customer satisfaction score and plenty of coverage options, State Farm easily made our list of top North Dakota homeowners insurance companies.

Who State Farm may be good for: If you prefer to handle your insurance needs in person rather than by phone or digitally, State Farm could be a good choice.

CheckmarkPros

Close XCons

State Farm provides a broad array of coverage options to meet the varied needs of homeowners across North Dakota. With a focus on flexibility and comprehensive protection, State Farm offers additional endorsements that can be tailored to enhance your standard homeowners policy:

Best for unique add-ons

4.2

4.2

Avg. premium for $300K dwelling

$130/mo

Avg. premium for $300K dwelling

$1,556/yr

Customer satisfaction

813/1,000

Why American Family made our list: American Family is the 12th largest property insurance company in the nation by market share and has the fourth-highest J.D. Power customer satisfaction ranking on our list. It sells insurance in 19 states, and based on our research, its average rate is one of the cheapest in North Dakota.

Who American Family may be good for: American Family may be a good fit if you’re looking for unique add-ons to maximize your home’s protection. The insurer offers a variety of optional coverage types, including equipment breakdown matching siding protection and sump pump and water backup coverage.

CheckmarkPros

Close XCons

American Family Insurance provides homeowners with options to personalize their insurance policies, helping to ensure a good fit for the unique needs of each home and homeowner in North Dakota. The company’s additional coverage options are designed to address specific concerns, offering peace of mind and enhanced protection:

Best for tight budgets

3.9

3.9

Avg. premium for $300K dwelling

$186/mo

Avg. premium for $300K dwelling

$2,229/yr

Customer satisfaction

819/1,000

Why Country Financial made our list: Another more regional carrier, Country Financial, operates in 19 states and has the third-highest J.D. Power customer satisfaction rating on our list, as well as a below-average premium and a high financial strength rating. Country Financial also offers flood insurance through CC Services and earthquake insurance, but it does not offer online quoting.

Who Country Financial may be good for: With an average annual premium below North Dakota’s average, Country Financial might be a good choice for shoppers on a tight budget who like to conduct their insurance business with a local agent.

CheckmarkPros

Close XCons

Country Financial is committed to providing homeowners in North Dakota with insurance solutions that cater to the unique aspects of their homes and lifestyles. Recognizing the diverse needs of homeowners, Country Financial offers a variety of additional coverage options that can be incorporated into standard policies for enhanced protection:

Additional North Dakota home insurance companies to consider

Who this may be best for

Homeowners who want pre-packaged coverage options

Farmers Insurance is known for its customizable policies, allowing homeowners to tailor their coverage to their specific needs. This carrier might appeal to homeowners looking for a personalized insurance experience, with options to add coverage for eco-rebuilds, identity shield and more. Farmers could be an excellent choice for those who value flexibility in their policy and want to work with an insurer that offers a range of endorsements to enhance their home protection.

Who this may be best for

Homeowners with multiple insurance needs

Liberty Mutual stands out for its comprehensive standard policies and an extensive list of discounts, making it a viable option for homeowners looking to balance robust coverage with potential savings. This carrier may be especially suitable for those who appreciate an insurer that rewards safety features and responsible homeowner habits with discounted rates. Liberty Mutual could be considered by homeowners interested in leveraging discounts for multi-policy bundling, safety features installed in the home and being claims-free, to potentially lower their premium costs.

How Bankrate chose the best home insurance companies in North Dakota

To find the best homeowners insurance companies in North Dakota, Bankrate’s insurance editorial team used Quadrant Information Services to obtain 2024 premium information. We also reviewed J.D. Power’s 2023 U.S. Home Insurance Study, which ranked companies based on customer satisfaction. The providers included as the best home insurance companies in North Dakota were selected based on average premiums, policy options, discounts, customer service scores and financial strength ratings. These factors were used to calculate a Bankrate Score for each carrier, with five points being the highest score.

While coverage options, insurer availability, affordability and customer experience are often top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Cheapest home insurance companies in North Dakota

Finding affordable homeowners insurance in North Dakota can be challenging due to the state's unique environmental risks, including potential flooding and severe winter storms. However, being aware of the insurers that typically offer more competitive rates can help you make a cost-effective choice. Below, we've highlighted insurance companies known for offering lower average premiums in North Dakota. It's important to note that coverage options and exclusions, such as for wind or hail damage, can differ significantly between companies, locations and policy types, all of which can influence the overall cost of your insurance.

Our selections for the most cost-effective home insurance companies in North Dakota are based on a review of larger and popular insurers within the state. These choices reflect those companies that generally offer lower premiums among the well-known insurance providers available to North Dakota homeowners.

Our selections for the most cost-effective home insurance companies in North Dakota are based on a review of larger and popular insurers within the state. These choices reflect those companies that generally offer lower premiums among the well-known insurance providers available to North Dakota homeowners.

How to get cheap North Dakota home insurance

Finding home insurance within your budget is important, but there are other considerations outside of price. When searching for the best cheap home insurance in North Dakota, you may want to consider these steps:

The first step in finding the right home insurance for you likely involves understanding what you are looking for. Do you want a company with stellar customer service? Are you looking for a specific endorsement? Would you like a local agent or a highly-rated mobile app?

The first step in finding the right home insurance for you likely involves understanding what you are looking for. Do you want a company with stellar customer service? Are you looking for a specific endorsement? Would you like a local agent or a highly-rated mobile app?

Once you know what you’re looking for in a company, you can begin to research carriers to find some that fit your needs. Consider third-party scores, coverage types, digital tools and available discounts.

Once you know what you’re looking for in a company, you can begin to research carriers to find some that fit your needs. Consider third-party scores, coverage types, digital tools and available discounts.

Home insurance can be complex, and if you aren’t sure how much coverage you need, what kinds of coverage you need or what the coverage types mean, you may want to work with an agent to help guide you.

Home insurance can be complex, and if you aren’t sure how much coverage you need, what kinds of coverage you need or what the coverage types mean, you may want to work with an agent to help guide you.

Most companies offer online quotes, but you may also need to call a company or visit a local agency. Once you have a few in hand, you can compare the quotes based on premium and level of coverage offered to find the right fit.

Most companies offer online quotes, but you may also need to call a company or visit a local agency. Once you have a few in hand, you can compare the quotes based on premium and level of coverage offered to find the right fit.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

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Best home insurance discounts in North Dakota

Home insurance discounts may be one of the easiest ways to lower your premium. North Dakota homeowners looking for lower rates might want to consider these common discounts:

How to save on home insurance policy renewals in North Dakota

When it comes time to renew your home insurance policy in North Dakota, there are several strategies you might consider to potentially reduce your premiums without compromising on coverage. Being proactive and informed can lead to significant savings:

How much is home insurance in North Dakota?

In North Dakota, the average cost of homeowners insurance is $2,539 per year for a policy with $300,000 in dwelling coverage — much higher than the national average premium of $2,153 per year for the same coverage amount. Compared to homeowners in neighboring states, Minnesota homeowners pay an average of 2 percent less than North Dakota homeowners, at $2,476 per year. South Dakota homeowners pay an average of 2 percent more at $2,583 per year compared to North Dakota.

Home insurance premiums are determined by using several rating factors. Your ZIP code, credit score, claims history, marital status and home details are considered rating factors for home insurance rates in North Dakota. North Dakota’s higher-than-average insurance premiums could be partly due to the state’s common causes of loss, including wildfires, winter storms and tornadoes.

North Dakota homeowners insurance rates by city

Homeowners insurance rates in North Dakota can differ significantly from one city to another, influenced by local risk factors such as weather patterns, crime rates and proximity to emergency services. For instance, cities prone to flooding or with harsher winter conditions might see higher insurance costs. Below, we've provided a map and searchable data table to help you explore how rates vary across different cities within the state. This tool can offer valuable insights into the potential cost of insuring your home, depending on its location within North Dakota.

Even within states, homeowners in different cities may see different rates. If you live in an area where home damage is less common or less expensive to repair, you might enjoy lower average rates. Here are the five cheapest cities for North Dakota homeowners insurance, based on our analysis of average rates:

Just like some areas have lower average rates, others have higher average rates. These five cities have the highest North Dakota home insurance premiums, which may mean they are more at risk for claims or have more expensive claims:

What does home insurance cover in North Dakota?

In North Dakota, a standard HO-3 homeowners insurance policy offers a broad level of protection for your home, personal property and other structures on your property. The dwelling and other structures are typically covered on an open perils basis, meaning they are protected against all risks except for those explicitly excluded in the policy. On the other hand, personal property coverage under an HO-3 policy is generally based on named perils, which are specifically listed risks.

For homeowners in North Dakota, understanding the scope of coverage is crucial, especially given the state's susceptibility to certain natural events. Here are a few of the most relevant covered perils for North Dakota, taking into account the state's climate and environmental conditions:

It's important for homeowners to review their insurance policies closely and consult with their insurance provider to understand the specific perils covered and any exclusions that may apply. This ensures that you have the appropriate coverage in place to protect your home against the risks most relevant to your location in North Dakota.

Additional home insurance coverage options in North Dakota

Homeowners in North Dakota can purchase a standard home insurance policy with common coverage types, like dwelling, personal property, liability, medical payments and loss of use. Most North Dakota home insurance policies offer optional endorsements and coverage you can use to tailor your policy to your specific needs, such as:

North Dakota homeowners may also want to consider flood insurance. Confirming how your policy covers wind, hail and water damage could also be worthwhile since severe weather is common.

Related content:

How to buy flood insurance coverage Previously Read

Windstorm insurance: how it works and who needs it Previously Read

What is earthquake insurance? Previously Read

Common North Dakota home insurance problems

Homeowners in North Dakota may face several challenges when securing insurance due to the state's unique geographical and climatic conditions. The extreme weather patterns, including severe winters with heavy snowfall and potential spring flooding, can make finding comprehensive and affordable coverage more complex. Insurers may also consider the risk of hail and windstorms, which are relatively common in the region, when underwriting policies. These factors can lead to higher premiums and more stringent policy terms.

Navigating these issues often requires homeowners to thoroughly research and compare insurance options, possibly consider additional coverage like flood insurance and implement preventive measures to mitigate risks and possibly lower insurance costs.

Frequently asked questions

What is the cheapest homeowners insurance company in North Dakota?

Based on our research, the cheapest home insurance companies in North Dakota include North Star Mutual, American Family and Nodak, among others. Keep in mind that rates vary based on a number of rating factors, such as the crime rate in your neighborhood, the size and age of your home and your claims history. Shopping around and getting quotes from multiple insurance companies may be one of the best ways to find the most competitive price for you.

Based on our research, the cheapest home insurance companies in North Dakota include North Star Mutual, American Family and Nodak, among others. Keep in mind that rates vary based on a number of rating factors, such as the crime rate in your neighborhood, the size and age of your home and your claims history. Shopping around and getting quotes from multiple insurance companies may be one of the best ways to find the most competitive price for you.

Home insurance is not legally required in North Dakota or any other state. However, most mortgage lenders require homeowners insurance as a loan requirement. If you do not have a mortgage or other kind of home loan, you may be able to go without home insurance, but you could potentially be open to great financial risk. Consider the cost to repair or rebuild your home if it is damaged or destroyed, and plan accordingly. Homeowners insurance could protect you from financial devastation and is often an important part of your financial plan.

Home insurance is not legally required in North Dakota or any other state. However, most mortgage lenders require homeowners insurance as a loan requirement. If you do not have a mortgage or other kind of home loan, you may be able to go without home insurance, but you could potentially be open to great financial risk. Consider the cost to repair or rebuild your home if it is damaged or destroyed, and plan accordingly. Homeowners insurance could protect you from financial devastation and is often an important part of your financial plan.

How do I get home insurance in North Dakota?

To purchase home insurance in North Dakota, you will want to determine what you need from your policy. Once you know what you are looking for, you can research companies that offer the type of coverage you need and request quotes for comparison. If you are not sure what kind of coverage to purchase, you can talk to a licensed agent who can help guide you through the process.

To purchase home insurance in North Dakota, you will want to determine what you need from your policy. Once you know what you are looking for, you can research companies that offer the type of coverage you need and request quotes for comparison. If you are not sure what kind of coverage to purchase, you can talk to a licensed agent who can help guide you through the process.

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

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