Who Has the Best Cheapest Home Insurance in North Dakota? (2026)
North Star Mutual has the cheapest home insurance in ND for most people, with an average of $2,130/yr for $350,000 in dwelling coverage. | ||
Home insurance in North Dakota costs $2,460/yr, on average. That's about the same as the national average. | ||
Homeowners in Fargo pay an average of $2,110/yr for $350,000 in dwelling coverage, which is about 14% cheaper than the state average. |
North Star Mutual has the cheapest home insurance in ND for most people, with an average of $2,130/yr for $350,000 in dwelling coverage. | ||
Home insurance in ND costs $2,460/yr, on average. But homeowners in Fargo pay about 14% less, with an average rate of $2,110/yr. |
Find Cheap Home Insurance Quotes in North Dakota
Who sells the best cheap home insurance in North Dakota?
What company has the cheapest home insurance in North Dakota?
North Star has the cheapest home insurance in North Dakota for most people, with an average rate of $2,130 per year for a policy with $350,000 in dwelling coverage.
Find Cheap Home Insurance Quotes in North Dakota
- North Star Mutual has cheap rates for homes that need $200,000 or $350,000 in dwelling coverage.
- But if your home would cost more to rebuild, American Family and Auto-Owners are cheaper options.
Best cheap home insurance in North Dakota by dwelling amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| North Star Mutual | 3.8 out of 5 | $1,255 |
| American Family | 3.0 out of 5 | $1,510 | |
| Auto-Owners | 4.0 out of 5 | $1,538 | |
| Nodak | 2.8 out of 5 | $1,586 |
| Country Financial | 3.5 out of 5 | $1,632 | |
| State Farm | 2.8 out of 5 | $1,889 | |
| Farmers | 2.5 out of 5 | $2,298 | |
Stars in this table represent ratings specific to home insurance.
Key takeaways
- Home insurance rates in North Dakota went up by about 5% in 2025. But over the last five years, rates are up by nearly 40%.
- Auto-Owners raised rates the most, with a policy costing nearly 70% more in 2025 compared to 2021.
- Chubb hasn't reported any rate changes in the last five years, and USAA only raised rates by about 10% in that time.
- If you own a home in North Dakota, make sure your policy covers wind and hail damage, as well as damage caused by snow, ice and cold temperatures.
Best home insurance for most people in North Dakota: North Star Mutual
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Annual cost$2,130Average rate for a $350,000 home
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Monthly cost$178Average rate for a $350,000 home
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Customer complaints Average
North Star Mutual has the cheapest rates for most homeowners in North Dakota, plus good customer service and coverage.
How much is North Star Mutual insurance in North Dakota?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $1,255 | 25% cheaper |
| $350,000 | $2,130 | 13% cheaper |
| $500,000 | $3,179 | 5% cheaper |
| $1 million | $6,592 | 12% more |
North Star Mutual gets good customer service reviews, too. The company gets 43% fewer complaints than expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). That means most people are probably happy with the service they get from North Star Mutual.
North Star Mutual also offers good coverage options that could be especially helpful for North Dakota homeowners. For example, if you farm, you could add farm liability to your home insurance policy. You can also add coverage for refrigerated food spoilage, which can be a useful coverage to have if a severe summer storm knocks your power out for a long period of time.
Best home insurance in ND for extra coverage: American Family
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Annual cost$2,139Average rate for a $350,000 home
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Monthly cost$178Average rate for a $350,000 home
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Customer complaints Average
Best home insurance customer service in North Dakota: Auto-Owners
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Annual cost$2,142Average rate for a $350,000 home
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Monthly cost$179Average rate for a $350,000 home
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Customer complaints Low
You can't get online quotes with Auto-Owners. You have to work directly with a local independent agent in your area to get a quote from the company. There's nothing wrong with local agents, but it can take longer to compare quotes if you can't get rates digitally.
Additionally, while Auto-Owners has low rates for most homes, it's not the cheapest option for new houses. Its rates are still below the state average of $1,608 per year, but you can probably get a better rate from American Family, Nodak or State Farm.
How much is home insurance for new houses in North Dakota?
Company | Annual rate | ||
|---|---|---|---|
| American Family | 3.0 out of 5 | $1,249 | |
|
| Nodak | 2.8 out of 5 | $1,420 |
| State Farm | 2.8 out of 5 | $1,504 | |
| Auto-Owners | 4.0 out of 5 | $1,543 | |
|
| North Star Mutual | 3.8 out of 5 | $1,583 |
| Country Financial | 3.5 out of 5 | $1,587 | |
| Farmers | 2.5 out of 5 | $2,372 | |
Stars in this table represent ratings specific to home insurance.
What are the best home insurance companies in North Dakota?
Auto-Owners is the best-rated home insurance company in North Dakota.
Auto-Owners sells policies through a network of independent agents. That means your experience with the company depends heavily on the agency you choose.
Company |
Rating
|
Complaints
|
|---|---|---|
| Auto-Owners | 4.0 out of 5 | Low |
| North Star Mutual | 3.8 out of 5 | Average |
| Country Financial | 3.5 out of 5 | Low |
| American Family | 3.0 out of 5 | High |
| Nodak | 2.8 out of 5 | Low |
| State Farm | 2.8 out of 5 | Average |
| Farmers | 2.5 out of 5 | Low |
Stars in this table represent ratings specific to home insurance.
What's the average cost of home insurance in North Dakota?
On average, home insurance in North Dakota costs $2,460 per year for a policy with $350,000 in dwelling coverage.
That's on par with the national average of $2,395 per year.
Average cost of home insurance in ND
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,672 |
| $350,000 | $2,460 |
| $500,000 | $3,332 |
| $1,000,000 | $5,906 |
Home insurance in North Dakota is cheaper than coverage in surrounding states. In Minnesota, homeowners pay an average of $2,774 per year for $350,000 in dwelling coverage. In Montana, the average rate is $2,754 per year. And in South Dakota, the same amount of coverage costs an average of $3,258.
North Dakota's rates are likely lower because the state faces a lower risk of severe weather compared to the surrounding states. Minnesota, Montana and South Dakota all have a greater risk for wind damage compared to North Dakota. And Montana and South Dakota both have greater wildfire risks than North Dakota.
However, a lower risk doesn't mean no risk. North Dakota still faces severe weather.
North Dakota home insurance rates by city
Home insurance in Fargo costs $2,110 per year, about 14% cheaper than the state average.
West Fargo has the cheapest rates in the state, at an average of $2,090 per year.
Meanwhile, Menoken, a small community to the east of Bismark, has the highest average rates in North Dakota, at $3,067 per year.
Find Cheap Home Insurance Quotes in North Dakota
Cost of North Dakota home insurance by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Abercrombie | $2,610 | North Star Mutual | $1,957 |
| Absaraka | $2,542 | North Star Mutual | $1,957 |
| Adams | $2,516 | American Family | $1,896 |
| Agate | $2,517 | American Family | $1,936 |
| Alamo | $2,876 | Auto-Owners | $2,076 |
| Alexander | $2,878 | Auto-Owners | $2,033 |
| Almont | $2,997 | North Star Mutual | $2,207 |
| Alsen | $2,506 | American Family | $1,925 |
| Ambrose | $2,865 | American Family | $2,000 |
| Amenia | $2,534 | North Star Mutual | $1,957 |
| Amidon | $2,849 | North Star Mutual | $2,207 |
| Anamoose | $2,626 | North Star Mutual | $1,957 |
| Aneta | $2,605 | North Star Mutual | $1,957 |
| Antler | $2,543 | North Star Mutual | $1,957 |
| Argusville | $2,517 | American Family | $1,950 |
| Arnegard | $2,879 | Auto-Owners | $2,041 |
| Arthur | $2,523 | North Star Mutual | $1,957 |
| Arvilla | $2,437 | Country Financial | $1,767 |
| Ashley | $2,715 | North Star Mutual | $1,957 |
| Ayr | $2,538 | North Star Mutual | $1,957 |
| Baldwin | $3,002 | North Star Mutual | $1,957 |
| Balfour | $2,622 | North Star Mutual | $1,957 |
| Balta | $2,542 | North Star Mutual | $1,957 |
| Bantry | $2,608 | North Star Mutual | $1,957 |
| Barney | $2,615 | North Star Mutual | $1,957 |
| Bathgate | $2,501 | American Family | $1,735 |
| Beach | $2,900 | American Family | $2,253 |
| Belcourt | $2,474 | American Family | $1,910 |
| Belfield | $2,846 | Auto-Owners | $2,328 |
| Benedict | $2,720 | Nodak | $1,971 |
| Berlin | $2,631 | North Star Mutual | $1,957 |
| Berthold | $2,631 | Nodak | $1,971 |
| Beulah | $2,961 | North Star Mutual | $2,246 |
| Binford | $2,585 | North Star Mutual | $1,957 |
| Bisbee | $2,523 | North Star Mutual | $1,957 |
| Bismarck | $2,922 | Auto-Owners | $2,314 |
| Blanchard | $2,558 | American Family | $1,906 |
| Bottineau | $2,469 | American Family | $1,875 |
| Bowbells | $2,625 | American Family | $2,067 |
| Bowdon | $2,785 | North Star Mutual | $1,957 |
| Bowman | $2,926 | North Star Mutual | $2,207 |
| Braddock | $2,865 | North Star Mutual | $1,957 |
| Brocket | $2,520 | North Star Mutual | $1,957 |
| Buchanan | $2,633 | North Star Mutual | $1,957 |
| Buffalo | $2,549 | North Star Mutual | $1,957 |
| Burlington | $2,634 | Nodak | $1,971 |
| Butte | $2,892 | North Star Mutual | $2,246 |
| Buxton | $2,503 | American Family | $1,870 |
| Caledonia | $2,512 | American Family | $1,906 |
| Calvin | $2,512 | American Family | $1,925 |
| Cando | $2,503 | North Star Mutual | $1,957 |
| Cannon Ball | $2,990 | North Star Mutual | $2,207 |
Rates are for a policy with $350,000 of dwelling coverage.
What homeowners insurance coverage do I need in North Dakota?
North Dakota homeowners need to make sure they're covered for damage caused by the high winds, hail and cold temperatures. Fortunately, homeowners insurance typically covers most storm damage.
Does North Dakota home insurance cover tornadoes?
Home insurance almost always covers damage from high wind and tornadoes. This includes direct damage, like shingles getting ripped from the roof, and indirect damage, like a tree falling on your home.
In 2025, North Dakota recorded 277 windstorms and 72 tornadoes, according to the NOAA/National Weather Service Storm Prediction Center. Wind alone caused over $13 million in damage to properties in North Dakota in 2025, and tornadoes caused another $5.9 million in damage, according to the National Oceanic and Atmospheric Administration (NOAA).
You may have a wind/hail deductible that you have to pay if you file a claim for wind damage. This is usually higher than your regular home insurance deductible and might even be a percentage of your dwelling amount.
Does North Dakota home insurance cover hail damage?
Home insurance usually covers damage from hail. That's important, because hail damage is common in North Dakota. In 2025, hail storms caused nearly $13 million in damage to properties in North Dakota, according to the National Oceanic and Atmospheric Administration (NOAA).
However, you should make sure your roof and siding are in good condition. If they're not, you might not have coverage to fully replace them. It's common for insurance companies to pay what's called "actual cash value" for homes that are older or damaged. This means you'll get the value of your roof or siding, rather than the actual cost to replace it.
And like wind damage, you may have a separate, higher deductible that you have to pay for hail damage.
Does home insurance in North Dakota cover snow damage?
Standard home insurance typically covers snow damage. This includes damage to your roof from the weight of snow and ice.
Your homeowners insurance may also cover claims if melted snow damages your property. Most home insurance policies protect against leaky roofs, as long as you're not responsible for the water getting into your home. For instance, if you forgot to close a window that allowed melted snow to seep in, or if your roof is in poor condition and allowed the water to come inside, you would likely have to replace your damaged property yourself.
Bad winter weather is relatively common in North Dakota, with the state usually getting hit with three or four severe winter storms each season, according to ND Response.
How to save on home insurance in North Dakota
You may be able to get cheaper home insurance by only buying the coverage you truly need, shopping around and keeping your home in good condition.
Most home insurance policies come with the same basic coverage, like protection for the structure of your home and your belongings. However, some North Dakota homeowners may need additional protection. For example, American Family offers matching siding protection. This could be an important add-on if homes in your area experience hail damage and you're concerned about your home's curb appeal or want to make sure it won’t cause issues with your homeowner’s association. | |
In North Dakota, there's about a $1,400 annual difference between the most and least expensive home insurance companies. Because each company rates their policies differently, it's helpful to shop around and see which quote has the cheapest rate for the coverage you need. | |
Making sure your home is well maintained can help you avoid filing claims, which keeps your rates more steady over time. Your roof is particularly important in North Dakota, because it's your home's first line of defense against wind and hail. Having someone out to check your roof every year can help you find problems before they get bad enough to cause damage. |
Are home insurance rates going up in North Dakota?
Home insurance prices have gone up by 39.5% in North Dakota over the last five years.
The biggest rate hike was in 2024, when rates went up by over 18%. However, North Dakota's rate increases are considerably smaller than those in other states. Nationally, rates went up 47.9% between 2021 and 2025.
North Dakota home insurance rate changes, 2021 to 2025
Year | Avg. rate increase |
|---|---|
| 2021 | 1.37% |
| 2022 | 2.36% |
| 2023 | 7.86% |
| 2024 | 18.47% |
| 2025 | 4.79% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Auto-Owners has the biggest rate hike over the last five years. A policy from Auto-Owners costs about 70% more in 2025 compared to 2021.
However, not all companies raised rates that much. Chubb hasn't reported any rate changes since 2021. USAA's rates have also stayed fairly steady, with a 10% increase in the last five years.
Frequently asked questions
How much is homeowners insurance in North Dakota?
On average, home insurance in North Dakota costs $2,460 per year for $350,000 in dwelling coverage. Rates depend on your age, claims history, the details of your house and where you live in the state. Home insurance tends to be more expensive in the southwest parts of North Dakota.
What is the best homeowners insurance in North Dakota?
North Star Mutual sells the best and cheapest home insurance in North Dakota for most homeowners because of its low rates and good service. If you have a higher-value home, American Family is a good option, because it has cheap rates and lots of extra coverages.
What kind of home insurance do I need in North Dakota?
Homeowners in North Dakota should make sure their policy covers damage caused by wind, hail and cold weather. Standard home insurance usually covers these kinds of damage, but double checking is always a good idea.
Methodology
To find the best homeowners insurance in North Dakota, ValuePenguin got quotes from seven of the top companies in 386 residential ZIP codes in the state. All quotes are for a 45-year-old married man with no home insurance claims on his record. The home used in the quotes is 52 years old and has 2,190 square feet, which is representative of the average home in North Dakota.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
ValuePenguin's analysis uses insurance rate data from Quadrant Information Services. Quadrant's rates were publicly sourced from insurance company filings and should only be used for comparative purposes.
The ValuePenguin star ratings use a combination of complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey, as well as an analysis of average costs, coverage options, discounts and unique features.
Sources:
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
