Home Insurance in North Dakota: 2026 Rates & Guide
North Dakota is a mid-range state for home insurance. The average homeowner pays $175/month ($2100/year). Here's how to find the best rate for your home.
$175
$2100
#12
1=priciest
$138
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Cheapest Home Insurance Companies in North Dakota (2026)
Rates below are estimates for a $300,000 home with $100,000 personal property coverage and a $1,000 deductible.
Top home insurers in North Dakota — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestState Farm | $138/mo | 4.4 | Get Quote |
| 2 | American Family | $152/mo | 4.2 | Get Quote |
| 3 | Farmers | $158/mo | 4.1 | Get Quote |
| 4 | Nodak Mutual | $142/mo | 4.3 | Get Quote |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
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Natural Disaster Risk in North Dakota
Risk Level: High — tornadoes, hail, blizzards, flooding
Standard HO-3 policies cover wind damage but exclude flood and earthquake. Separate policies may be needed depending on your location within North Dakota.
Coverage Requirements
No state minimum — lenders require replacement cost dwelling coverage
North Dakota Home Insurance Requirements
- •No mandatory home insurance law in North Dakota
- •Impact-resistant roofing earns premium discounts — major hail risk statewide
- •Spring flooding along the Red River historically affects thousands of properties
North Dakota Home Insurance Facts
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How to Get Cheaper Home Insurance in North Dakota
Bundle home + auto insurance
Multi-policy discounts average 15–25% at most major insurers — the single easiest saving.
Raise your deductible
Going from $500 to $1,000 or $2,500 deductible typically saves 10–20% on annual premiums.
Install security & safety devices
Smoke detectors, burglar alarms, and deadbolts can reduce premiums by 5–15%.
Upgrade your roof
Impact-resistant roofing (Class 4) can save $300–$1,500/year in storm-prone states like Kansas and Texas.
Compare quotes annually
Home insurance rates vary by 40–60% between companies. Shopping at renewal every year locks in the best rate.
Review your coverage limits
Over-insuring your land (which can't burn down) or under-insuring your possessions are both costly mistakes. Get a home inventory done.
Home Insurance in North Dakota — FAQs
What is the average cost of home insurance in North Dakota?
Is home insurance required in North Dakota?
What does home insurance cover in North Dakota?
What natural disasters affect home insurance in North Dakota?
How can I lower my home insurance in North Dakota?
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