Who Has the Best Cheapest Home Insurance in North Dakota? (2024)
North Star has the cheapest home insurance in North Dakota. But State Farm is the best for most people because of its proven customer service.
Compare Home Insurance Quotes in North Dakota
Best Cheap Homeowners Insurance in North Dakota
To help you find the best cheap home insurance in ND, ValuePenguin collected thousands of quotes across hundreds of ZIP codes from North Dakota's top home insurance companies. Our editors compared customer service ratings, coverage availability and cost to determine the best home insurance companies in the state.
Cheapest North Dakota home insurance quotes
North Star has the cheapest home insurance rates in North Dakota.
A policy from NorthStar Mutual costs around $1,787 per year for $350,000 of dwelling coverage. That's $585 per year less than the North Dakota average.
State Farm also offers very affordable rates in North Dakota. At $2,122 per year, a policy from State Farm costs $251 less than average in the state.
Compare Home Insurance Quotes in North Dakota
Cheap home insurance in North Dakota by dwelling amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| North Star | $1,063 | |
| American Family | $1,296 | |
| Nodak | $1,347 | |
| State Farm | $1,613 | |
| Country Financial | $1,672 | |
$200,000
Company | Annual rate | ||
|---|---|---|---|
|
| North Star | $1,063 | |
|
| American Family | $1,296 | |
|
| Nodak | $1,347 | |
|
| State Farm | $1,613 | |
|
| Country Financial | $1,672 | |
$350,000
Company | Annual rate | ||
|---|---|---|---|
|
| North Star | $1,787 | |
|
| State Farm | $2,122 | |
|
| Nodak | $2,152 | |
|
| American Family | $2,176 | |
|
| Country Financial | $2,380 | |
$500,000
Company | Annual rate | ||
|---|---|---|---|
|
| State Farm | $2,647 | |
|
| North Star | $2,655 | |
|
| American Family | $3,050 | |
|
| Country Financial | $3,092 | |
|
| Nodak | $3,148 | |
$1 million
Company | Annual rate | ||
|---|---|---|---|
|
| State Farm | $3,921 | |
|
| Country Financial | $5,420 | |
|
| North Star | $5,476 | |
|
| American Family | $6,131 | |
| Auto-Owners | $6,200 | |
What home insurance do I need in ND?
North Dakota homes face many natural disasters, including blizzards and tornadoes.
Standard home insurance policies cover most storm damage. However, you should always check your policy to make sure you have the coverage you need.
Best home insurance for most people in North Dakota: State Farm
-
Editor's rating
- Cost: $2,122/yr
State Farm's affordable rates, reliable customer service and easy online experience make it the best choice for most people.
-
Cheap quotes
-
Dependable customer service
-
Highly-rated mobile app
-
Great for bundling
-
Limited coverage options and discounts
State Farm offers some of the cheapest home insurance rates in North Dakota, at $2,122 per year for $350,000 of dwelling coverage. It's also the cheapest company for more expensive homes, at $2,647 for $500,000 of coverage.
Homeowners who choose State Farm can save an average of 25% by bunding their home and auto policies with the company. In addition, State Farm has the most affordable car insurance quotes in North Dakota for most people.
State Farm has a reputation for dependable customer service.
It earned a good score on J.D. Power's customer satisfaction survey. State Farm also gets fewer complaints than an average company its size, according to the NAIC. That means you can generally count on State Farm to help fix your home quickly after a disaster.
In addition, State Farm has a highly-rated app where you can make changes to your policy, pay your bills or file a claim. That makes it a great choice for homeowners who prefer to manage their policy online, versus calling an agent.
However, State Farm has fewer coverage options than other companies. So it may not be the best option if you want to add extra protection to your policy, like equipment breakdown coverage.
Best for cheap rates in North Dakota: North Star
-
Editor's rating
- Cost: $1,787/yr
North Star offers the cheapest rates in North Dakota, but you can't get a quote online.
-
Cheapest rates in ND
-
Coverage for farms, boats and RVs
-
Few customer complaints
-
Also sells mobile and rental home policies
-
No online quotes
-
Can't manage your policy or file a claim online
North Star offers the cheapest rates in North Dakota at $1,787 per year, which is $585 below the state average.
Along with affordable rates, North Star offers all the standard discounts — including bundling and loyalty. That means customers can afford the many customizations and add-ons that North Star offers, like farm coverage and boat or RV liability. North Star also offers a wide range of policies, covering mobile homes, rental homes or seasonal homes.
North Star gets 18% fewer complaints than the average company its size. That means you can expect a fast and fair claims process if your home is ever damaged.
However, North Star has limited online tools. You can pay bills online but can't get instant online quotes or file claims.
Best home insurance in ND for extra coverage: American Family
-
Editor's rating
- Cost: $2,176/yr
American Family offers lots of ways for North Dakota homeowners to personalize their coverage.
-
Helpful coverage add-ons
-
Lots of discounts
-
Mixed customer service reviews
-
Not the cheapest option
American Family offers extra protection that North Dakota homeowners may find helpful.
American Family doesn't typically have the cheapest rates in North Dakota, even before paying for extra coverage add-ons. A policy costs around $2,176 for $350,000 of dwelling coverage. While that's cheaper than the state average, it's $389 per year more than the cheapest company, North Star.
However, American Family offers lots of discounts to help homeowners lower their insurance bill, especially if you have a newer or renovated home.
American Family has mixed customer service reviews. That can make it hard to predict what your claims experience will be like if you have an emergency. It earned a below-average rating from J.D. Power. But American Family only gets one-third as many complaints as other companies its size.
Average cost of North Dakota homeowners insurance
The average cost of home insurance in North Dakota is $2,372 per year.
That's 10% more expensive than the national average of $2,151 per year.
Dwelling coverage | Annual cost |
|---|---|
| $200,000 | $1,593 |
| $350,000 | $2,372 |
| $500,000 | $3,283 |
| $1,000,000 | $6,253 |
The cost of home insurance in North Dakota is similar to its neighboring states. Home insurance in North Dakota costs $118 per year less than a policy in Montana, but $181 per year more than Minnesota.
North Dakota home insurance rates by city
West Fargo, a suburb of the largest city in North Dakota, has the cheapest home insurance rates in the state.
Home insurance in West Fargo costs an average of $1,899 per year.
New Salem, part of the Bismarck metro area, has the most expensive rates in the state at $2,810 per year. This could be because property crime rates in New Salem are higher than its surrounding area.
Cost of ND homeowners insurance by city
City | Annual rate | % from avg |
|---|---|---|
| Abercrombie | $2,258 | -5% |
| Absaraka | $2,223 | -6% |
| Adams | $2,269 | -4% |
| Agate | $2,288 | -4% |
| Alamo | $2,425 | 2% |
Rates are for a policy with $350,000 of dwelling coverage.
Best home insurance in North Dakota
Auto-Owners has the best customer service scores in North Dakota.
However, its rates tend to be expensive. State Farm also has great customer service reviews, and it's typically one of the most affordable companies in North Dakota.
Top home insurance companies in North Dakota
Company |
Rating
|
Complaints
|
|---|---|---|
| Auto-Owners | Low | |
| State Farm | Average | |
| American Family | Low | |
| North Star | Average | |
| Farmers | Low |
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 state's frequent blizzards and tornadoes. Fortunately, homeowners insurance typically covers most storm damage.
Does North Dakota home insurance cover tornadoes?
Almost all home insurance policies include coverage for wind damage, which is the main cause of tornado damage.
This includes direct damage, like shingles getting ripped from the roof, and indirect damage, like a tree falling on your home.
Tornadoes also often bring hail, which caused over $1.8 million of property damage in North Dakota in 2023. Fortunately, home insurance typically covers hail damage. However, some policies won't pay for cosmetic damage, like dents in your siding that aren't causing a leak.
Does home insurance in North Dakota cover snow damage?
Blizzards and snow are common in North Dakota, especially in cities close to the Canadian border. 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, you would have to replace your damaged property yourself.
How to find the best cheap home insurance in North Dakota
The best home insurance companies offer great customer service and useful protection at an affordable price. To find the best company for you, start out by deciding how much coverage you need. Then, you should shop around for quotes and look at customer service reviews.
Figure out how much coverage you need. 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.
Homeowners who use part of their property for farming activities may want to consider North Star, which offers farm protection as a home insurance add-on.
Compare rates from multiple companies. In North Dakota, the most expensive company costs nearly twice as much as the cheapest option for home insurance. That's a difference of around $128 per month.
In addition, each insurance company calculates home insurance rates differently. Some place more value on your insurance history, while others may care more about your home's building materials. For that reason, the best company for you isn't always the same as the cheapest option for your neighbors, family or friends.
Consider customer service reviews. Our editors consider customer service reviews, coverage availability and cost when scoring insurance companies.
Companies with four or more stars are more likely to take great care of you after an emergency. Companies with poor customer service scores may take longer to send you a check, and you could end up paying more for repairs.
Frequently asked questions
How much is home insurance in North Dakota?
The average cost for home insurance in North Dakota is $2,372 per year, or $198 per month. This rate is only slightly higher than the national average of $2,151 per year.
Who has the best home insurance in North Dakota?
State Farm has the best home insurance in North Dakota. It offers affordable rates and reliable customer service, and you can easily manage your policy online.
Who has the cheapest home insurance in North Dakota?
North Star has the cheapest home insurance in North Dakota, at $1,787 per year or $149 per month. That's 25% cheaper than the state average.
How much is Fargo homeowners insurance?
Home insurance in Fargo, the biggest city in North Dakota, costs $1,949 per year. That's 18% below the state average.
How much is homeowners insurance in Bismarck, ND?
The average cost of home insurance in Bismarck is $2,600 per year, which is 10% more than the North Dakota average.
Methodology
To find the best homeowners insurance in North Dakota, ValuePenguin collected quotes from top home insurance companies across all ZIP codes in the state. Rates are for a 45-year-old married man with a good credit score and no prior insurance claims. Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
ValuePenguin's analysis used 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.
Home insurance ratings are based on a combination of complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey and ValuePenguin's own editorial ratings.
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.