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Best homeowners insurance in North Dakota for 2024

Allstate, Auto-Owners and Country FInancial are among the best home insurers in Arizona, according to our research.

Updated Mar 14, 2024
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare the best homeowners insurance companies in North Dakota 

North Dakota homeowners pay an average of $2,519 per year for home insurance, substantially more than the national average of $1,759. Based on our research, though, three of the five best North Dakota homeowners insurance companies have rates lower than the state average. And although cheap home insurance is a perk, we also looked at other factors — like customer satisfaction scores from J.D. Power, available coverage types and discounts — to choose companies that are impressive in more than just their prices. If you’re shopping for the best homeowners insurance in North Dakota, you may want to get quotes from these companies:

Insurance company
Bankrate Score
Info
Average monthly premium Average annual premium
4.2
Rating: 4.2 stars out of 5
$185
$2,219
4.6
Rating: 4.6 stars out of 5
$185
$2,221
3.9
Rating: 3.9 stars out of 5
$174
$2,090
4.2
Rating: 4.2 stars out of 5
$172
$2,063
4.2
Rating: 4.2 stars out of 5
$119
$1,427
*Premiums are for $250K in dwelling coverage
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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The top five home insurance companies in North Dakota

Allstate

Best for personalized coverage

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 809/1,000 AM Best: A+

Average annual premium

$ 2,219 for $250k dwelling coverage
Allstate Review Get a personalized quote

Why Allstate made our list: Allstate is a widely recognized name in the insurance industry, and for good reason. The company boasts high financial strength ratings, offers several discounts and unique endorsements, and has local agents available for those who prefer to handle their insurance needs in person. Allstate’s customer and claims satisfaction ratings from J.D. Power aren't the best, though, which is something to bear in mind when you are shopping for coverage.

Who Allstate may be good for: Allstate might be a good choice if you are looking for unique coverage offerings, such as an endorsement for home-sharing programs.

Auto-Owners

Best for discounts

Rating: 4.6 stars out of 5
4.6 Bankrate Score
JD Power: 834/1,000 AM Best: A++

Average annual premium

$ 2,221 for $250k dwelling coverage
Auto-Owners Review Get a personalized quote

Why Auto-Owners made our list: Auto-Owners may not be the most widely-known home insurance company, but it is available in 26 states and offers a unique blend of low average rates, excellent financial strength and above-average customer satisfaction scores. Auto-Owners operates through local independent agents, which may be appealing to some. However, the company doesn’t have an online quoting tool.

Who Auto-Owners may be good for: If you’re looking for a list of discounts to help you lower your premium even more, Auto-Owners might be a good choice. The company offers potential savings for being mortgage-free, having an automatic water shut-off system and owning a qualifying life insurance policy.

 

Country Financial

Best for tight budgets

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 819/1,000 AM Best: A+

Average annual premium

$ 2,090 for $250k dwelling coverage
Country Financial Review Get a personalized quote

Why Country Financial made our list: Another more regional carrier, Country Financial, operates in 19 states and has the second-highest J.D. Power customer satisfaction rating on our list, as well as a below-average premium and a high financial strength rating. Country Financial also offers flood insurance through CC Services and earthquake insurance, but it does not offer online quoting. 

Who Country Financial may be good for: With an average annual premium well below North Dakota’s average, Country Financial might be a good choice for shoppers on a tight budget who like to conduct their insurance business with a local agent.

State Farm

Best for local agents

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 829/1,000 AM Best: A++

Average annual premium

$ 2,063 for $250k dwelling coverage
State Farm Review Get a personalized quote

Why State Farm made our list: State Farm is the largest home insurance company in the country by market share and is a well-known household name. With Superior AM Best financial strength, an above-average J.D. Power customer satisfaction score and plenty of coverage options, State Farm easily made our list of top North Dakota homeowners insurance companies. State Farm’s average rate in North Dakota is higher than the state average, though.

Who State Farm may be good for: If you prefer to handle your insurance needs in person rather than by phone or digitally, State Farm could be a good choice.

American Family

Best for unique add-ons

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 813/1,000 AM Best: A

Average annual premium

$ 1,427 for $250k dwelling coverage
American Family Review Get a personalized quote

Why American Family made our list: American Family is the 12th largest property insurance company in the nation and has the highest J.D. Power customer satisfaction ranking on our list. It sells insurance in 19 states, and based on our research, it’s average rate is the second cheapest in North Dakota.

Who American Family may be good for: American Family may be a good fit if you’re looking for unique add-ons to maximize your home’s protection. The insurer offers a variety of optional coverages, including equipment breakdown matching siding protection and sump pump and water backup coverage.

How Bankrate chose the best home insurance companies in North Dakota

To find the best homeowners insurance companies in North Dakota, Bankrate’s insurance editorial team used Quadrant Information Services to obtain 2024 premium information. We also reviewed J.D. Power’s 2023 U.S. Home Insurance Study, which ranked companies based on customer satisfaction. The providers included as the best home insurance companies in North Dakota were selected based on average premiums, policy options, discounts, customer service scores and financial strength ratings. These factors were used to calculate a Bankrate Score for each carrier, with five points being the highest score.

While coverage options, insurer availability, affordability and customer experience are often top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Clock Wait
46
years of industry expertise
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122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

How much is homeowners insurance in North Dakota?

In North Dakota, the average cost of homeowners insurance is $2,519 per year for a policy with $250,000 in dwelling coverage, much higher than the national average premium of $1,759 per year for the same coverage amount. However, North Dakota homeowners pay more, on average, than homeowners in neighboring states. Minnesota homeowners, for example, pay an average of $2,174 per year. And North Dakota homeowners pay slightly more expensive rates than South Dakota homeowners, who pay an average of $2,455 per year. On the other hand, Montana residents pay less than North Dakota homeowners, averaging $2,172 annually.

Home insurance premiums are determined by using several rating factors. Your ZIP code, credit score, claims history, marital status and home details are considered rating factors for home insurance rates in North Dakota. North Dakota’s higher-than-average insurance premiums could be partly due to the state’s common causes of loss, including wildfires, winter storms and tornadoes.

Insurance company $150K $250K $350K $450K $750K
$1,403
$2,219
$3,149
$4,051
$6,560
$1,708
$2,221
$2,640
$3,123
$4,683
$1,574
$2,090
$2,608
$3,130
$4,677
$1,519
$2,063
$2,430
$2,881
$3,924
$1,135
$1,427
$1,696
$1,948
$2,614
  • West Fargo: $2,219 per year — 12 percent below state average
  • Grand Forks: $2,254 per year — 11 percent below state average
  • Fargo: $2,262 per year — 10 percent below state average
  • Minot Afb: $2,277 per year — 10 percent below state average
  • Grand Forks Afb: $2,289 per year — 9 percent below state average
  • Almont: $2,769 per year — 10 percent above state average
  • Elgin: $2,767 per year — 10 percent above state average
  • Glen Ullin: $2,766 per year — 10 percent above state average
  • Cannon Ball: $2,764 per year — 10 percent above state average
  • Hebron: $2,760 per year — 10 percent above state average

How to find the best cheap home insurance in North Dakota

Finding home insurance within your budget is important, but there are other considerations outside of price. When you’re searching for the best and cheapest North Dakota home insurance, you may want to consider these steps:

  1. Understand your needs: The first step in finding the right home insurance for you likely involves understanding what you are looking for. Do you want a company with stellar customer service? Are you looking for a specific endorsement? Would you like a local agent or a highly-rated mobile app?
  2. Research companies: Once you know what you’re looking for in a company, you can begin to research carriers to find some that fit your needs. You may want to look at third-party scores, coverage types, digital tools and available discounts.
  3. Work with an agent: Home insurance can be complex, and if you aren’t sure how much coverage you need, what kinds of coverage you need or what the coverage types mean, you may want to work with an agent to help guide you.
  4. Obtain quotes: Most companies offer online quotes, but you may also need to call a company or visit a local agency. Once you have a few in hand, you can compare the quotes from a premium and coverage perspective to find the right fit.

Common home insurance discounts in North Dakota

Home insurance discounts may be one of the quickest ways to lower your premium. North Dakota homeowners looking for lower rates might want to consider these common discounts:

Having a local or monitored central alarm system might help you lower your insurance rates.
These discounts, also called bundling discounts or multi-line discounts, are often given when you insure two or more products with the same company. Auto and home is generally the most common bundle, but you might be able to bundle auto and renters or condo insurance.
Home insurance companies may offer a myriad of roofing discounts, including savings for new roofs and roofs that are resistant to hail or wind damage.
Smart home devices are becoming increasingly common, and you might save on your home insurance if you have one. Qualifying devices might include a smart thermostat, an automatic water or gas shutoff system, or a smart smoke detector.

Home insurance coverage options in North Dakota

Homeowners in North Dakota can purchase a standard home insurance policy with common coverage types, like dwelling, personal property, liability, medical payments and loss of use. Most North Dakota home insurance policies offer optional endorsements and coverage you can use to tailor your policy to your specific needs, such as:

  • Backup of sewer and drains: This coverage offers protection if something occurs to cause a clog or backup in your sewer or drains. It also provides coverage if your sump pump stops working and the water flows into your basement or lower level.
  • Inflation protection: This endorsement helps your coverage limits keep up with inflation. At each renewal, your dwelling coverage automatically increases. This helps protect you if you have a substantial claim that could potentially go above your original coverage limit.
  • Personal property replacement coverage: Without this endorsement, your home policy would pay depreciated value for your damaged personal property. By adding replacement cost coverage for your belongings, you can replace damaged or destroyed items with new items at current market value.

North Dakota homeowners may also want to consider flood insurance. Confirming how your policy covers wind, hail and water damage could also be worthwhile since severe weather is common.

Frequently asked questions

Written by
Cate Deventer
Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Editor, Insurance