Best condo insurance companies in North Dakota

In North Dakota, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, scores, and ratings from sources like the National Association of Insurance Commissioners (NAIC) and AM Best for major insurance companies in North Dakota. Below are the best condo insurance companies in North Dakota based on Insurance.com’s analysis.

CompanyAnnual premiumAM Best ratingNAICInsurance.com rating
Country Financial$370A+0.26
5.0
Agraria Mutual$297A0.22
4.9
American Family$303A0.37
4.6
Auto-Owners$503A++0.33
4.3
North Star Mutual$337A+0.72
4.0
State Farm$263A++0.95
3.9
Allstate$298A+0.90
3.8
Farmers$730A0.54
3.2
Data updated in 2024
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Average cost of condo insurance in North Dakota

The average cost of condo insurance in North Dakota is $373 a year or $31 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average annual premiumAverage monthly premium
$373$31
Data updated in 2024
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Condo insurance calculator

Average condo insurance rates in North Dakota
Please enter valid zip code
$40,000
$40,000 $60,000 $80,000 $100,000
$100,000
$100,000 $300,000
$1,000
$1,000

Most & least expensive ZIP codes for condo insurance in North Dakota

Most expensive

ZIP codeCityHighest rate
58505Bismarck$367
58520Almont$366
58524Braddock$366
58533Elgin$366

Least expensive

ZIP codeCityLowest rate
58002Absaraka$353
58012Casselton$353
58007Ayr$353
58013Cayuga$353
Data updated in 2024
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Condo insurance rates in North Dakota by coverage level

Based on a rate study by Insurance.com, Nodak Insurance provides the lowest condo insurance rates in North Dakota based on our standard coverage sample of $60,000 for personal property coverage, $300,000 for liability coverage and a $1,000 deductible.

State Farm is the next cheapest option, offering low-cost condo insurance in North Dakota at $263 per year. However, rates vary by coverage level.

The table below shows condo insurance rates from several top companies at various coverage levels.

Company$40,000 contents/$100,000 liability$40,000 contents/$300,000 liability$60,000 contents/$100,000 liability$60,000 contents/$300,000 liability$80,000 contents/$100,000 liability$80,000 contents/$300,000 liability$100,000 contents/$100,000 liability$100,000 contents/$300,000 liability
Nodak Insurance$222$232$245$255$275$285$306$316
State Farm$230$236$257$263$275$281$292$298
Agraria Mutual$247$247$297$297$350$350$401$401
Allstate$199$254$243$298$288$343$330$385
American Family$273$278$298$303$318$324$335$341
North Star Mutual$293$305$324$337$373$385$443$456
Country Financial$286$294$363$370$437$444$508$516
Auto-Owners$427$432$499$503$581$586$663$668
Farmers$626$664$692$730$763$801$832$870
Data updated in 2024
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Condo insurance rates by company in North Dakota

Rates for condo insurance by company in North Dakota vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in North Dakota. The cheapest company for condo insurance in North Dakota is Nodak Insurance. State Farm, and Agraria Mutual, are the second and third cheapest options.

CompanyAverage annual rateAverage monthly rate
Nodak Insurance$255$21
State Farm$263$22
Agraria Mutual$297$25
Allstate$298$25
American Family$303$25
North Star Mutual$337$28
Country Financial$370$31
Auto-Owners$503$42
Farmers$730$61
Data updated in 2024
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Compare condo insurance rates by city in North Dakota

Condo insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on condo insurance for your specific city in North Dakota.

CityAnnual insurance premium
Bismarck
$325
Dickinson
$326
Fargo
$317
Grand Forks
$315
Jamestown
$316
Mandan
$324
Minot
$319
Wahpeton
$316
West Fargo
$315
Williston
$321
Data updated in 2024
Read our full methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2023 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2024.

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