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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
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Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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North Dakota homeowners insurance: what you need to know

Home insurance in North Dakota averages around $2,128 per year or $177 per month.  This exceeds the national average and makes comparison shopping a non-negotiable for North Dakotans seeking a cheap home insurance policy.
Major discrepancies exist in homeowners insurance rates from state to state. Home insurance costs in a given state diverge based on the number and value of home policy claims submitted in the state and depend on the value of the belongings and structures covered by the policy.

Learn homeowners insurance costs in North Dakota via the data below. Individual rates may vary depending on coverage options.

Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage


The cheapest home insurance companies in North Dakota

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
AAA $1,154
Safeco $1,428
North Star $1,467
Farmers Union $1,597
Nodak Mutual $1,704

North Dakota home insurance prices by coverage levels

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
$100,000 Dwelling $996
$200,000 Dwelling $1,611
$250,000 Dwelling $1,853
$400,000 Dwelling $2,641

Homeowners insurance deductibles in North Dakota

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
$500 $2,028
$1,000 $1,853
$1,500 $1,784
$2,000 $1,694
$5,000 $1,499

North Dakota homeowners insurance costs by city

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 $1,864
West Fargo $1,879
Grand Forks AFB $1,911
Bottineau $1,946
Fargo $1,948

Home and auto insurance bundling in North Dakota

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 (%)

$1,311 $1,143 $168 15%



North Dakota homeowners insurance FAQs


Is homeowners insurance required in North Dakota?

No state has a legal mandate that requires homeowners insurance, but your mortgage lender will require it when you purchase a home.

Does GEICO offer homeowners insurance in North Dakota?

Yes - GEICO offers homeowners insurance in North Dakota.



Natural disaster coverage in North Dakota


Does homeowners insurance cover flooding 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:

  • $250,000 for your home’s structure
  • $100,000 for your personal property

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.

Find an affordable homeowners policy in North Dakota today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.