Agraria Mutual is the best homeowners insurance company in North Dakota, based on a 2023 analysis by Insurance.com, with an overall rating of 5. North Star Mutual is the second-best home insurance company in North Dakota, with an overall rating of 4.6.
Agraria Mutual offers the cheapest home insurance in North Dakota at $1,719 a year.
With so many options out there, it is not easy to choose a homeowners insurance company in North Dakota. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, read on.
Key takeaways
- The average cost of homeowners insurance in North Dakota is $2,946 a year or $245 a month.
- The cheapest homeowners insurance company in North Dakota is Agraria Mutual. It offers home insurance at an average of $1,719 a year.
- Agraria Mutual ranked as the best insurance company in North Dakota based on rates, complaints, and financial stability.
Average home insurance cost in North Dakota
The average cost of homeowners insurance in North Dakota is $2,946 a year or $245 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, among other factors. It’s a good idea to compare price quotes from different North Dakota homeowners insurance companies to get the best deal.
Best home insurance companies in North Dakota
The best home insurance company in North Dakota for 2023 is Agraria Mutual, followed by North Star Mutual and Nodak Insurance.
Below is a full list of the top North Dakota insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Agraria Mutual | A++ | $ 1,719 | 0.07 | 5 |
| North Star Mutual | A | $ 1,798 | 0.3 | 4.6 |
| Nodak Insurance | A | $ 2,076 | 0.46 | 4.42 |
| Country Financial | A+ | $ 2,577 | 0.14 | 4.39 |
| Auto-Owners | A++ | $ 3,013 | 0.19 | 4.3 |
| Allstate | A+ | $ 2,064 | 2.04 | 4.19 |
| State Farm | A++ | $ 3,002 | 1.07 | 4.09 |
| American Family | A | $ 2,946 | 0.6 | 3.93 |
| Farmers | A | $ 4,403 | 0.33 | 3.24 |
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance companies in North Dakota
Below are North Dakota home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Agraria Mutual has the most affordable rates overall.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Agraria Mutual | $ 1,341 | $ 1,719 | $ 2,092 | $ 2,461 | $ 2,826 |
| North Star Mutual | $ 1,341 | $ 1,798 | $ 2,396 | $ 3,004 | $ 3,629 |
| Allstate | $ 1,429 | $ 2,064 | $ 2,670 | $ 3,281 | $ 3,767 |
| Nodak Insurance | $ 1,539 | $ 2,076 | $ 2,116 | $ 2,211 | $ 2,361 |
| Country Financial | $ 2,061 | $ 2,577 | $ 3,095 | $ 3,616 | $ 4,135 |
| American Family | $ 2,380 | $ 2,946 | $ 3,471 | $ 3,973 | $ 4,444 |
| State Farm | $ 2,365 | $ 3,002 | $ 3,652 | $ 4,472 | $ 5,242 |
| Auto-Owners | $ 2,527 | $ 3,013 | $ 3,595 | $ 4,064 | $ 4,583 |
| Farmers | $ 3,407 | $ 4,403 | $ 5,362 | $ 6,099 | $ 6,107 |
*USAA only provides coverage to military members, veterans and their families.
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.
The most expensive ZIP codes in North Dakota for home insurance
North Dakota homeowners insurance rates are the most expensive for ZIP code 58533, with an average annual cost of $3,321.
The most expensive ZIP codes in North Dakota are:
| ZIP code | Average annual rates |
|---|---|
| 58533 | $ 3,321 |
| 58631 | $ 3,310 |
| 58646 | $ 3,310 |
| 58563 | $ 3,306 |
| 58638 | $ 3,304 |
| 58647 | $ 3,299 |
The least expensive ZIP codes in North Dakota for home insurance
The cheapest ZIP codes for home insurance in North Dakota are
| ZIP code | Average annual rates |
|---|---|
| 58201 | $ 2,691 |
| 58256 | $ 2,711 |
| 58203 | $ 2,726 |
| 58204 | $ 2,737 |
| 58316 | $ 2,737 |
| 58278 | $ 2,747 |
