Best home insurance companies in North Dakota: Agraria Mutual

The best home insurance company in North Dakota for 2025 is Agraria Mutual. Nodak Insurance, North Star Mutual and Country Financial  are among 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.

Best home insurance companies in Alaska
Graph
Table
CompanyAM BestAverage annual rateNAIC complaint ratioInsurance.com score
Agraria MutualA$2,0170.294.54
Nodak InsuranceA$2,56204.45
North Star MutualA+$1,8950.834.35
Country FinancialA+$3,1960.14.14
Auto-OwnersA+$3,1600.483.91
American FamilyA$2,4351.13.78
State FarmA++$3,1281.013.67
AllstateA+$2,6411.323.63
FarmersA$4,5270.812.86
Read our methodology

Cheapest home insurance companies 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 $1,409 per year for $200,000 dwelling coverage and $1,895 per year for $300,000 dwelling coverage. Meanwhile, Agraria Mutual is the most affordable option we found for $400,000 and $600,000 dwelling coverage, priced at $2,465 and $3,345 per year respectively. For the highest dwelling coverage of $1,000,000 also, Agraria Mutual is the best choice for most homeowners at $5,075 annually.

Cheapest home insurance in North Dakota
Company$200,000$300,000$400,000$600,000$1,000,000
North Star Mutual$1,409$1,895$2,530$3,798$6,298
Agraria Mutual$1,553$2,017$2,465$3,345$5,075
American Family$1,962$2,435$2,884$3,733$5,235
Nodak Insurance$1,847$2,562$3,536$5,234$8,510
Allstate$1,814$2,641$3,429$4,859$7,356
State Farm$2,453$3,128$3,809$5,256$7,866
Auto-Owners$2,655$3,160$3,760$4,633$7,877
Country Financial$2,540$3,196$3,849$5,162$7,728
Farmers$3,504$4,527$5,539$7,108$10,175
Read our methodology

Average home insurance cost in North Dakota

The average cost of homeowners insurance in North Dakota is $3,147 a year or $262 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.

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 Texas
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358
ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Read our methodology

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 Department

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 $3,618.

The most expensive ZIP codes in North Dakota are:

ZIP codeAverage annual rate
58533$3,618
58631$3,604
58638$3,595
58520$3,594
58646$3,593
58650$3,587
Read our methodology

The least expensive ZIP codes in North Dakota for home insurance

The cheapest ZIP codes for home insurance in North Dakota are

ZIP codeAverage annual rate
58201$2,856
58256$2,884
58203$2,888
58258$2,913
58204$2,914
58316$2,922
Read our methodology

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.

Map
Table
Average annual premium
$3,085
$3,717
CountyAverage annual premiumAverage monthly premium
Adams$3,596$300
Barnes$3,224$269
Benson$3,219$268
Billings$3,521$293
Bottineau$3,185$265
Bowman$3,632$303
Burke$3,278$273
Burleigh$3,508$292
Cass$3,207$267
Cavalier$3,168$264
Dickey$3,253$271
Divide$3,269$272
Dunn$3,613$301
Eddy$3,251$271
Emmons$3,610$301
Foster$3,260$272
Golden Valley$3,555$296
Grand Forks$3,085$257
Grant$3,661$305
Griggs$3,273$273
Hettinger$3,717$310
Kidder$3,465$289
LaMoure$3,249$271
Logan$3,366$280
Mchenry$3,300$275
Mcintosh$3,368$281
Mckenzie$3,323$277
Mclean$3,462$288
Mercer$3,650$304
Morton$3,648$304
Mountrail$3,319$277
Nelson$3,243$270
Oliver$3,681$307
Pembina$3,160$263
Pierce$3,220$268
Ramsey$3,176$265
Ransom$3,242$270
Renville$3,284$274
Richland$3,257$271
Rolette$3,149$262
Sargent$3,235$270
Sheridan$3,377$281
Sioux$3,634$303
Slope$3,539$295
Stark$3,547$296
Steele$3,241$270
Stutsman$3,280$273
Towner$3,166$264
Traill$3,185$265
Walsh$3,170$264
Ward$3,208$267
Wells$3,339$278
Williams$3,263$272
Read our methodology

Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 insurance companies across 34,588 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

Alabama
$3,147
Alaska
$1,708
Arizona
$2,490
Arkansas
$3,958
California
$1,405
Colorado
$4,099
Connecticut
$2,231
Delaware
$1,384
Florida
$4,419
Georgia
$2,302
Hawaii
$613
Idaho
$1,961
Illinois
$3,062
Indiana
$2,991
Iowa
$2,654
Kansas
$4,843
Kentucky
$3,326
Louisiana
$3,594
Maine
$1,391
Maryland
$1,715
Massachusetts
$1,640
Michigan
$2,411
Minnesota
$2,420
Mississippi
$3,380
Missouri
$3,543
Montana
$3,289
Nebraska
$4,800
Nevada
$1,467
New Hampshire
$1,221
New Jersey
$1,526
New Mexico
$2,647
New York
$1,816
North Carolina
$2,941
Ohio
$2,160
Oklahoma
$5,858
Oregon
$1,755
Pennsylvania
$1,911
Rhode Island
$1,950
South Carolina
$2,678
South Dakota
$3,390
Tennessee
$3,060
Texas
$3,851
Utah
$1,802
Vermont
$1,263
Virginia
$2,151
Washington
$1,612
West Virginia
$1,911
Wisconsin
$1,662
Wyoming
$1,897
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