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Condo insurance isn’t required by law in North Dakota, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in North Dakota, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in North Dakota with average annual rates.

Key takeaways

  • The residents of North Dakota pay an average of $319 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, State Farm is the top pick for the best condo insurance company in North Dakota.
  • Metropolitan offers the cheapest condo insurance in North Dakota at an average of $157 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 ratings of major insurers in North Dakota. Below are the best condo insurance companies in North Dakota based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
4.6
American Family842A
4.2
Country Financial830A+
4.1
Allstate815A+
3.7
Auto-Owners825A++
3.4
Farmers792A
2.3

Average cost of condo insurance in North Dakota

The average cost of condo insurance in North Dakota is $319 a year or $27 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
$319$27

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: $337

HIGHEST RATE: $1,102 LOWEST RATE: $132

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

Most Expensive

Zip CodeCityHighest Rate
58622Belfield$338
58623Bowman$338
58520Almont$338
58524Braddock$338

Least Expensive

Zip CodeCityLowest Rate
58202Grand Forks$325
58201Grand Forks$325
58204Grand Forks AFB$325
58203Grand Forks$325

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 Metropolitan. Nodak Insurance, and State Farm, are the second and third cheapest options.

CompanyAverage Annual Rate
Nodak Insurance$242
State Farm$259
American Family$274
Agraria Mutual$276
Allstate$298
Country Financial$308
North Star Mutual$332
Farmers$405
Auto-Owners$475

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 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 2023.

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