The Best Home Insurance in North Dakota for 2024

American Family and State Farm are among the best home insurance companies in North Dakota.

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Updated · 4 min read
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Written by Kayda Norman
Lead Writer
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Assistant Assigning Editor
Fact Checked
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Co-written by Sarah Schlichter
Lead Writer

The average cost of homeowners insurance in North Dakota is $2,445 per year, or about $204 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.

NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in North Dakota in the following categories:

The rates in our analysis are estimates based on many factors, so your rate may differ.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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Best affordable homeowners insurance in North Dakota: American Family

insurance-product-card-logo

American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

American Family

4.5

NerdWallet rating 
Customizable coverage and discounts for smart-home devices.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

In North Dakota, the average annual premium for American Family is $2,375, which is less than the state average of $2,445.

American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.

Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.

Get more information in our American Family homeowners insurance review.


Best homeowners insurance in North Dakota for coverage: State Farm

insurance-product-card-logo

State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.


Best homeowners insurance in North Dakota for consumer experience: Nationwide and American Family

insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide offers a robust digital experience for its customers, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.

In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.

American Family also earned high marks for consumer experience. Its user-friendly website offers features such as bill payments, claim reporting, online quotes and general insurance information.

Get more information in our American Family homeowners insurance review.


The best homeowners insurance in North Dakota

NerdWallet analyzed home insurance companies across the state to find the best home insurance in North Dakota. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$3,015

4.5

NerdWallet rating 

$2,375

5.0

NerdWallet rating 

$2,450

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$2,495

4.5

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

*USAA homeowners policies are available only to active military, veterans and their families.


How much does homeowners insurance cost in North Dakota?

The average annual cost of home insurance in North Dakota is $2,445. That's 28% more than the national average of $1,915.

In most U.S. states, including North Dakota, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In North Dakota, those with poor credit pay an average of $4,040 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 65% more than those with good credit.

Average cost of homeowners insurance in North Dakota by city

How much you pay for homeowners insurance in North Dakota depends on where you live. For instance, the average cost of home insurance in Fargo is $2,245 per year, while homeowners in Bismarck pay $2,845 per year, on average.

City

Average annual rate

Average monthly rate

Belcourt

$2,400

$200

Beulah

$2,735

$228

Bismarck

$2,845

$237

Bottineau

$2,390

$199

Devils Lake

$2,355

$196

Dickinson

$2,830

$236

Fargo

$2,245

$187

Garrison

$2,830

$236

Grafton

$2,325

$194

Grand Forks

$2,245

$187

Hazen

$2,735

$228

Horace

$2,345

$195

Jamestown

$2,430

$203

Lisbon

$2,455

$205

Mandan

$2,910

$243

Minot

$2,410

$201

Minot Afb

$2,455

$205

New Town

$2,250

$188

Rugby

$2,425

$202

Stanley

$2,435

$203

Valley City

$2,435

$203

Wahpeton

$2,430

$203

Watford City

$2,465

$205

West Fargo

$2,235

$186

Williston

$2,215

$185

The cheapest home insurance in North Dakota

Here are the insurers we found with average annual rates below the North Dakota average of $2,445.

Company

NerdWallet star rating

Average annual rate

North Star

4.0

NerdWallet rating 

$1,705

Farmers Union

Not rated

$1,805

Nodak

Not rated

$1,855

4.5

NerdWallet rating 

$2,375

What to know about North Dakota homeowners insurance

You may face certain risks when living in North Dakota. Here are a few of the most common, along with steps you can take to insure your home properly against them.

Winter storms

Homeowners insurance generally covers winter storm-related damages, but your policy may have some exclusions. For example, damage caused by frozen pipes may not be covered if you don’t keep your home warm enough to prevent them from freezing. In addition, some types of winter weather damage may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt.

Tornadoes

Wind damage related to tornadoes is typically included in standard home insurance policies. However, your policy may have a separate deductible for wind and hail damage. These can be a flat rate, such as $1,000, or a percentage of your dwelling coverage. Suppose your policy has a $1,000 deductible for most claims and a 1% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Hail damage

Hail damage is covered under your standard homeowners insurance policy, but make sure to read your policy, as you may have a separate deductible for hail damage.

Flooding

Standard homeowners insurance policies typically do not cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance.

To find out if you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.

Remember that while you can purchase flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.

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North Dakota insurance department

The North Dakota Insurance Department regulates the insurance industry in the state and provides consumer information and assistance. On its website, you can learn more about homeowners insurance, and you can contact the department with questions about insurance at [email protected] or at 701-328-2440. If you run into issues with your insurer, the department can advocate on your behalf. To do so, submit a complaint using its online form.

Frequently asked questions

Homeowners insurance is not required by North Dakota state law. However, your lender may require you to purchase home insurance. For more information, read Is Homeowners Insurance Required?

There are several ways to save money on homeowners insurance in North Dakota:

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

  • Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.

  • Ask your insurer if you qualify for any home insurance discounts.

Amanda Shapland contributed to this story.

Methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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