Call our licensed agents toll free 844.855.0163
Go To Top

State Farm is one of the best home insurance companies in North Dakota. Its overall rating is 3 and J.D Power awarded it 835 scores out of 1000, the highest among the carriers surveyed. Besides, A.M Best rated it A++, which is the highest they offer.

Whereas Farmers is the cheapest homeowners insurance company in North Dakota, based on a rate analysis by Insurance.com. Its average rate for North Dakota homeowners is $1,439 a year. It's $866 less than the national average ($2,305).

But the cheapest is not always the best. Homeowners insurance coverage varies among insurance providers and thus the home insurance premiums.

Among all the different North Dakota homeowners insurance companies on the market, it's not easy to find the one that fits your needs. That's why we have created this guide to help you make an informed decision.

We've compiled a list of some of the best and cheap home insurance companies to help you decide which one is best for you.

Best home insurance companies in North Dakota

If you're looking for the best homeowners insurance company in North Dakota, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in North Dakota:

  • State Farm
  • Liberty Mutual

Compare best homeowners insurance companies in North Dakota

The best homeowners insurance is not always the most expensive. If you ask yourself, "Which homeowners insurance company should I choose?" Then it might be time to start comparing quotes from different insurance providers and find the one that offers a standard homeowners insurance policy and adequate insurance coverage for your needs.

To help you pick the right insurance company, we've compared the insurers using the J.D. Power scores as well as ratings from A.M Best.

Following is a list of the best home insurance providers and their average annual premium.

CompanyOverall ratingJ.D. Power scoreAM Best rating
State Farm3835A++
Liberty Mutual2806A

Average cost of homeowners insurance in North Dakota

The average cost of home insurance in North Dakota is $2,601 a year or $217 a month, but this number may vary depending on the coverage options you choose and where you live. Basic coverage options include personal property coverage, dwelling coverage, and additional living expenses.

Many other factors go into determining your home insurance rates in North Dakota, including property value and local crime rates.

Average annual premiumAverage monthly premium
$2,601$217

10 Most expensive zip codes in North Dakota for homeowners insurance

You may know that homeowners insurance costs vary significantly by ZIP code. The most expensive ZIP code for homeowners insurance in North Dakota is 58563. Its average rate for North Dakota homeowners is $2,612 annually.

Home insurance rates vary depending on where you live. Besides ZIP code, insurers consider these factors to decide your home insurance cost-

  • Building costs in your area
  • Your home's square footage
  • Your own home's construction and materials used
  • Crime rates in your locality
  • Risk of damage caused by certain types of disasters

Let's take a look at the most expensive ZIP codes and their average annual home insurance rates-

ZIP codeAverage annual rate
58563$2,612
58646$2,603
58533$2,600
58650$2,595
58520$2,590
58638$2,588
58528$2,584
58647$2,582
58530$2,576
58566$2,572

10 Least expensive zip codes in North Dakota for homeowners insurance

Below is a list of the ten least expensive ZIP codes for homeowners insurance in North Dakota, based on Insurance.com's rate analysis. You will find that the least expensive ZIP code for home insurance in North Dakota is 58078. Its average annual insurance cost for North Dakota homeowners is $2,073---$232 less than the national average ($2,305).

ZIP codeAverage annual rate
58078$2,073
58256$2,085
58201$2,095
58316$2,106
58204$2,115
58203$2,120
58278$2,126
58225$2,130
58244$2,132
58849$2,133

Cheap homeowners insurance in North Dakota

Farmers, Allstate, Nodak Mut Ins Co, Safeco, and American Family are the top five cheap homeowners' insurance companies in North Dakota, based on Insurance.com's rate analysis.

When shopping for insurance, the first thing that you should do is compare rates and coverage from different companies. Why? Insurance prices vary by hundreds of dollars even if they offer exactly the same type or amount of protection - so it pays to shop around.

Insurers use different methods when deciding on your insurance premium; as a result, prices vary significantly between carriers. Make sure you compare price quotes when you shop for home insurance, suggests Insurance.com's former Senior Consumer Analyst Penny Gusner.

Following is a list of cheapest home insurance companies along with their average annual premium- 

Company nameAverage annual premium
Farmers$1,439
Allstate$2,109
Nodak Mut Ins Co$2,146
Safeco$2,683
American Family$3,976
State Farm$4,599
Fire Insurance$4,890
Auto Owners$12,484

Home and auto bundle discounts in North Dakota

Homeowners insurance in North Dakota may be expensive for some ZIP codes, but still, there are ways to save on your home insurance.

If you buy both home and auto insurance from the same insurance provider, you can save an average of $421 a year or 16%, based on Insurance.com's analysis. However, it will depend on your insurer as well as your homeowners profile.

Here's a list of major North Dakota insurance companies that offer a discount on bundling your home and auto insurance policies.

Company$ Bundle average saving% Bundle average saving
American Family$92923%
Metropolitan$64024%
Farmers$59220%
State Farm$52619%
Country Mut$51522%
Allstate$36720%
Auto Owners$2499%
Nodak$2098%
North Star$1559%
Foremost Insurance$311%