We analyzed data from more than 150 insurance companies to help you find affordable home insurance in North Dakota.
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Learn homeowners insurance costs in North Dakota via the below data. Individual rates may vary depending on coverage options.
Prices for home insurance in North Dakota vary depending on the insurer you select. AAA provides the most affordable home insurance in North Dakota, at just $1,154 each year. This compares favorably to the state average cost of $2,128, offering a $974 discount on average statewide home insurance costs.
Start shopping for a home insurance policy by reviewing the most affordable North Dakota companies, listed below. Then, see how each compares in terms of customer satisfaction, 3rd party reviews, and other factors by viewing our list of the best home insurance carriers.
|Insurance Company||Average Yearly Rate in North Dakota|
How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In North Dakota, carrying $100K dwelling coverage costs an average of $996 per year, while carrying additional coverage up to $400K costs $2,641/year.
|Coverage Level||Average Annual Cost|
One of the many decisions to be made when shopping for homeowners policies is the amount of your deductible. The deductible is the total amount that the insured must contribute toward a covered loss. Where you set your deductible can play a significant role in how much you pay for insurance.
When considering your homeowners deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those looking for lower insurance premiums will want to think about getting a higher deductible. Be mindful of the fact that your deductible should only be as high as you can reasonably pay in the event of a covered loss.
The following table shows the average premium costs associated with deductibles offered by most home insurers.
|Deductible Tier||Average Annual Homeowners Insurance Rate|
Home insurance rates in North Dakota vary by city. Pricing may depend on locally specific factors such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.
The cheapest home insurance in North Dakota is found in Grand Forks. A typical home insurance term in Grand Forks costs just $1,864 per year — $264 less than the statewide average. The below cities have the most affordable homeowners insurance in North Dakota.
|City||Average 12-Month Home Insurance Rate|
|Grand Forks AFB||$1,911|
If you're trying to save on insurance, consider purchasing both your car and home insurance policies from one company. A home and car insurance bundle in North Dakota can lead to substantial savings on your auto insurance bill. In fact, bundling policies in North Dakota leads to yearly savings of $168.
Avg. Annual Rate (No Bundle)
Avg. Annual Rate (w/ Bundle)
Annual Savings ($)
Annual Savings (%)
No state has a legal mandate that requires homeowners insurance, but your mortgage lender will require it when you purchase a home.
Yes - GEICO offers homeowners insurance in North Dakota.
Flood damage — regardless of cause —is not covered by homeowners insurance policies. To insure your home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer.
Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:
If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.