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If you live in a condo, your homeowners association is responsible for insuring the building and common areas, but it won’t cover your personal property if it gets destroyed or damaged. To protect your belongings, you’ll need to buy condo insurance, also known as HO-6 insurance.

The average condo insurance cost in North Dakota is $758 annually. However, your rates will vary depending on the coverage limit, zip code, and the insurance company you choose.

Read this guide to compare quotes from major insurance companies and find out which carrier offers the best rates for condo insurance in North Dakota.

KEY TAKEAWAYS
  • Condo owners in North Dakota pay an average of $449 per year or $37 per month in condo(HO6) insurance.
  • Allstate is the cheapest condo insurance company in North Dakota at only $215 per year.

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, J.D Power score and customer satisfaction rating of all the major insurers across North Dakota. Below are the best condo insurance companies in North Dakota based on Insurance.com's analysis.

  • State Farm
  • American Family
  • Auto-Owners
  • Allstate
  • Farmers

Compare best condo insurance companies in North Dakota

While looking for a condo insurance policy cost is important, but it shouldn't be the only thing to consider when buying condominium insurance. You should take into account the insurance company's customer service, financial stability, and claims handling.

Our team of experts has analyzed major insurance carriers across North Dakota using their J.D. Power score and AM Best rating. Based on Insurance.com's analysis, State Farm tops the list of the best condo insurance companies with a J.D. Power score of 835 out of 1000 and it also gets an A++ rating from AM Best, which is the highest rating they offer.

With a J.D. power score of 831, American Family ranks second on our list. Below we provide a list of the best condo insurance companies in North Dakota along with their J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
State Farm835A++
American Family831A
Auto-Owners831A++
Allstate829A+
Farmers813A
Safeco810A

Average cost of condo insurance in North Dakota

The average cost of condo insurance in North Dakota is $758 a year or $63 per month. This rate is for the coverage level of $40,000 in personal property, $100,000 for liability protection with a $1000 deductible. Condo insurance rates can be as low as $29 or as high as $130 a month, depending on your location among other factors.

Average annual premiumAverage monthly premium
$758$63

CONDO INSURANCE CALCULATOR

Average condo insurance rates in NORTH DAKOTA

$60,000
$1,000
$100,000
58642 - Manning
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $316

HIGHEST RATE: $754 LOWEST RATE: $188

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

Most Expensive

Zip CodeCityHighest Rate
58653Scranton$318
58428Dawson$318
58478Robinson$318
58482Steele$318

Least Expensive

Zip CodeCityLowest Rate
58032Forman$307
58078West Fargo$307
58042Harwood$307
58102Fargo$307

Condo insurance rates by companies in North Dakota

As we have mentioned above, your condo insurance rates vary depending on the insurance carrier you choose. Based on Insurance.com's rate analysis, Allstate offers the most affordable rate for condo insurance in North Dakota at an average cost of $215 per year. That's $543 less expensive annually than the state average of ($758).

Compare the best condo insurance companies in North Dakota using their average annual premium mentioned below.

CompanyAverage annual premium
Allstate$215
Nodak Mut Ins Co$224
Farmers$228
American Family$231
Safeco$284
State Farm$325
Fire Ins Exch$431
Auto Owners$4,127

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