Best home insurance companies in North Dakota: Auto-Owners

The best home insurance company in North Dakota for 2024 is Auto-Owners. State Farm, Country Financial, American Family, Allstate, and Farmers are among other top home insurance companies in Oklahoma based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska
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Best home insurance in North Dakota
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Auto-OwnersA++0.374.58$3,160
State FarmA++0.834.16$3,128
Country FinancialA+0.264.05$3,196
American FamilyA0.803.79$2,435
AllstateA+1.463.19$2,641
FarmersA0.672.72$4,527
Data updated in 2024

Cheapest home insurance companies in North Dakota: North Star Mutual

Below are North Dakota home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.

Based on our analysis, North Star Mutual offers the cheapest home insurance at $1,409 per year for $200,000 dwelling coverage and $1,895 per year for $300,000 dwelling coverage. Meanwhile, Agraria Mutual is the most affordable option we found for $400,000 and $600,000 dwelling coverage, priced at $2,465 and $3,345 per year respectively. For the highest dwelling coverage of $1,000,000 also, Agraria Mutual is the best choice for most homeowners at $5,075 annually.

Cheapest home insurance in North Dakota
Company$200,000$300,000$400,000$600,000$1,000,000
North Star Mutual$1,409$1,895$2,530$3,798$6,298
Agraria Mutual$1,553$2,017$2,465$3,345$5,075
American Family$1,962$2,435$2,884$3,733$5,235
Nodak Insurance$1,847$2,562$3,536$5,234$8,510
Allstate$1,814$2,641$3,429$4,859$7,356
State Farm$2,453$3,128$3,809$5,256$7,866
Auto-Owners$2,655$3,160$3,760$4,633$7,877
Country Financial$2,540$3,196$3,849$5,162$7,728
Farmers$3,504$4,527$5,539$7,108$10,175
Data updated in 2024

Average home insurance cost in North Dakota

The average cost of homeowners insurance in North Dakota is $3,147 a year or $262 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different North Dakota homeowners insurance companies to get the best deal.

North Dakota home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in North Dakota to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Average home insurance rates in Texas
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024

The North Dakota Insurance Department says...

The Department regulates but does not set homeowners insurance rates. Each company decides what rate it needs to charge. As the regulator, the Department reviews the companies' proposed rates for compliance with state law. If a company wants to change its rates, it must file supporting data with the Department. The Department's rate analysts review that data to ensure that the rates are justified.

- The North Dakota Insurance Department

The most expensive ZIP codes in North Dakota for home insurance

North Dakota homeowners insurance rates are the most expensive for ZIP code 58533, with an average annual cost of $3,618.

The most expensive ZIP codes in North Dakota are:

ZIP codeAverage annual rate
58533$3,618
58631$3,604
58638$3,595
58520$3,594
58646$3,593
58650$3,587
Data updated in 2024

The least expensive ZIP codes in North Dakota for home insurance

The cheapest ZIP codes for home insurance in North Dakota are

ZIP codeAverage annual rate
58201$2,856
58256$2,884
58203$2,888
58258$2,913
58204$2,914
58316$2,922
Data updated in 2024

Compare North Dakota homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
California
$1,380/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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