Best home insurance company in North Dakota: North Star Mutual
The best home insurance company in North Dakota for 2026 is North Star Mutual. Auto-Owners, Country Financial, Agraria Mutual, Nodak Insurance, and Allstate are among the other top home insurance companies in North Dakota based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company 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 $1,596 per year for $200,000 dwelling coverage, $2,178 per year for $300,000 dwelling coverage, and $2,931 per year for $400,000 dwelling coverage. Meanwhile, Agraria Mutual is the most affordable for $600,000 dwelling coverage, priced at $4,035 per year.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Agraria Mutual | $1,874 | $2,423 | $2,978 | $4,035 | $5,397 |
| Allstate | $2,107 | $3,070 | $3,990 | $5,656 | $7,809 |
| American Family | $2,700 | $3,453 | $4,165 | $5,505 | $7,201 |
| Auto-Owners | $2,240 | $2,797 | $3,383 | $3,983 | $6,049 |
| Country Financial | $2,556 | $3,198 | $3,838 | $5,124 | $6,887 |
| Farmers | $2,049 | $2,795 | $3,518 | $4,876 | $6,622 |
| Nodak Insurance | $1,951 | $2,556 | $3,288 | $4,489 | $5,346 |
| North Star Mutual | $1,596 | $2,178 | $2,931 | $4,429 | $6,518 |
| State Farm | $2,611 | $3,165 | $3,706 | $4,781 | $6,138 |
Average home insurance cost in North Dakota
The average cost of homeowners insurance in North Dakota is $2,846 a year or $237 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, and 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.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 DepartmentThe most expensive ZIP codes in North Dakota for home insurance
North Dakota homeowners insurance rates are the most expensive for ZIP code 58652, with an average annual cost of $3,917.
The most expensive ZIP codes in North Dakota are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Richardton | 58652 | $3,917 |
| Lefor | 58641 | $3,859 |
| Mott | 58646 | $3,643 |
| Regent | 58650 | $3,637 |
| New England | 58647 | $3,631 |
| Halliday | 58636 | $3,626 |
| Hebron | 58638 | $3,617 |
| Shields | 58569 | $3,602 |
| Raleigh | 58564 | $3,602 |
| Dodge | 58625 | $3,564 |
The least expensive ZIP codes in North Dakota for home insurance
The cheapest ZIP codes for home insurance in North Dakota are
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Grand Forks | 58201 | $2,515 |
| Manvel | 58256 | $2,533 |
| Grand Forks | 58203 | $2,538 |
| Bottineau | 58318 | $2,542 |
| Belcourt | 58316 | $2,554 |
| Arvilla | 58214 | $2,562 |
| Emerado | 58228 | $2,562 |
| Mekinock | 58258 | $2,569 |
| Grand Forks AFB | 58204 | $2,569 |
| Grand Forks | 58202 | $2,576 |
North Dakota homeowners insurance rates by county
Home insurance rates in North Dakota vary by county. Take a look at the average rates by county in North Dakota below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $3,153 | $263 |
| Barnes | $2,772 | $231 |
| Benson | $2,706 | $226 |
| Billings | $3,012 | $251 |
| Bottineau | $2,628 | $219 |
| Bowman | $3,161 | $263 |
| Burke | $2,761 | $230 |
| Burleigh | $3,158 | $263 |
| Cass | $2,701 | $225 |
| Cavalier | $2,619 | $218 |
| Dickey | $2,791 | $233 |
| Divide | $2,924 | $244 |
| Dunn | $3,314 | $276 |
| Eddy | $2,752 | $229 |
| Emmons | $3,093 | $258 |
| Foster | $2,811 | $234 |
| Golden Valley | $3,040 | $253 |
| Grand Forks | $2,594 | $216 |
| Grant | $3,432 | $286 |
| Griggs | $2,783 | $232 |
| Hettinger | $3,637 | $303 |
| Kidder | $2,885 | $240 |
| LaMoure | $2,813 | $234 |
| Logan | $2,936 | $245 |
| Mchenry | $2,752 | $229 |
| Mcintosh | $2,928 | $244 |
| Mckenzie | $3,013 | $251 |
| Mclean | $3,030 | $253 |
| Mercer | $3,246 | $270 |
| Morton | $3,313 | $276 |
| Mountrail | $2,813 | $234 |
| Nelson | $2,733 | $228 |
| Oliver | $3,250 | $271 |
| Pembina | $2,603 | $217 |
| Pierce | $2,649 | $221 |
| Ramsey | $2,642 | $220 |
| Ransom | $2,815 | $235 |
| Renville | $2,759 | $230 |
| Richland | $2,803 | $234 |
| Rolette | $2,597 | $216 |
| Sargent | $2,777 | $231 |
| Sheridan | $2,889 | $241 |
| Sioux | $3,216 | $268 |
| Slope | $3,062 | $255 |
| Stark | $3,454 | $288 |
| Steele | $2,742 | $228 |
| Stutsman | $2,833 | $236 |
| Towner | $2,624 | $219 |
| Traill | $2,709 | $226 |
| Walsh | $2,622 | $219 |
| Ward | $2,753 | $229 |
| Wells | $2,864 | $239 |
| Williams | $2,955 | $246 |
Compare homeowners insurance rates by city in North Dakota
Home 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 home insurance for your specific city in North Dakota.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio, and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
Compare North Dakota homeowners insurance rates with other states
