Who Has the Cheapest Homeowners Insurance Quotes in North Dakota?

We evaluated homeowners insurance quotes for a sample 2,000 square foot home in 30 cities in the state of North Dakota in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample property, North Dakota homeowners pay on average $2,329 per year for their home insurance. Home insurance prices in North Dakota vary by over 59% between the cities in our study. Below we profile a few cities in the state of North Dakota. Read more about our findings, or use our quote tool above to find homeowners insurance quotes in your area.

Cheapest Home Insurance Companies in North Dakota

We gathered quotes for our sample home across 30 cities from State Farm, Farmers, and Amica. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in North Dakota. The graph below shows the average annual costs to insure our sample home by company alongside the state average:

Best Home Insurance Companies in North Dakota

Find the Cheapest Homeowners Insurance Quotes in Your Area

Best Homeowners Insurance Rates in North Dakota's Largest Cities

We evaluated homeowners insurance rates across the largest cities in North Dakota. Our study implemented control variables to gather quotes that can be compared to one another. On average, homeowners in the ten largest cities pay 2% less than the rest of the state on homeowners insurance. The cost for home insurance in the ten largest cities based on our study was an average of $2,275 per year.

Fargo, ND

Fargo, the largest city in the state of North Dakota, is situated on the west bank of the Red River. The city was established in this area because this is where early railroads crossed over the Red River. These same railroads played a huge role in the growth and development of Fargo. Our study shows that the average cost of home insurance in Fargo is $1,943 per year, which is $385 less than the state mean.

Amica offered the most affordable home insurance quote in Fargo at an annual cost of $1,171. Farmers, the most expensive insurer in the city, quoted our sample home an annual cost of $2,802, which is $1,631 greater than Amica’s quote. Fargo is ranked as the second most affordable city in North Dakota for homeowners insurance.

Cheapest and Best Homeowners Insurance Companies in Fargo, North Dakota

Bismarck, ND

Bismarck is the second largest city in the state of North Dakota. The city also serves as the capital of the state. Bismarck is named after German Chancellor, Otto von Bismarck. However, the city has had several names in the past. Bismarck has a long history and was a part of the Louisiana Purchase. Residents of Bismarck pay an average of $2,366 for homeowners insurance annually, which is 2% greater than the state average.

The most affordable home insurance rate in the area was offered by Amica at $1,172. The second most affordable rate was offered by State Farm at $2,770, which is $1,598 greater than Amica’s quote. Farmers, the most expensive insurer in the area, offered a quote that is $828 greater than the state mean.

Best Homeowners Insurance Rates in Bismarck

Grand Forks, ND

Grand Forks is the third most populous city in the state of North Dakota. Most of the city’s early growth is attributed to the rise of the steam boat given the city’s proximity to Red Lake River and Red River. In 1954, the city became home to the Grand Forks Air Force Base. Based on our research, the average homeowners insurance quote in the city is $1,994. Residents of Grand Forks pay 14% less for their homeowners insurance than the state mean.

Farmers was the only insurer in the city that offered a quote that was greater than the state average at an annual cost of $2,593. The most affordable quote was offered by Amica at an annual cost of $1,616, which is $977 less than Farmers’ quote. Grand Forks is the sixth least expensive city for homeowners insurance in the state of North Dakota.

Quotes from Grand Forks’ Best Home Insurance Companies

Minot, ND

The city of Minot is the fourth most populous city in the state of North Dakota. Like many other cities in North Dakota, Minot experienced massive growth due to the railroad industry. The city had a damaging flood in 1969. City officials responded by building flood control measures and diverting the path of the river. The average annual homeowners insurance quote in Minot is $2,202 per year, which is 5% less than the state mean.

If you’re looking for affordable home insurance rates in Minot then we suggest starting with Amica which quoted our sample home a cost of $1,567 annually. Farmers offered the least affordable rate at $3,201 per year, which is $1,634 greater than the quote offered by Amica. Based on our research, Minot ranks near the middle for most affordable city for home insurance in the state of North Dakota.

Minot’s Best Home Insurance Companies

West Fargo, ND

West Fargo is the fifth most populous city in the state of North Dakota. The city has plenty of young workers with approximately 27% of its workforce being under the age of 19. Within the city, white collar jobs outnumber blue collar jobs by nearly a 2:1 ratio. The mean home insurance rate in West Fargo is $1,966, which is $363 less than the state average.

Amica quoted the least expensive rate in West Fargo at $1,203 annually. That is $1,695 less than Farmers’ quote of $2,898. Farmers is the least affordable insurer in the city. That said, West Fargo is ranked as the fifth most affordable city for home insurance in the state of North Dakota.

Best Cheap Home Insurance Companies in West Fargo

Mandan, ND

Mandan is the sixth largest city in the state of North Dakota. The city is named after the Mandan Native American tribe that originally inhabited the area. Today, Mandan serves as a regional retail and trade powerhouse. Residents of Mandan pay an average home insurance cost of $2,443 based on our study.

Amica offered the lowest home insurance quote in Mandan at a rate of $1,580. The second most affordable insurer in the area, Farmers, offered a quote of $2,780, which is $1,200 more than Amica’s quote. Residents of Mandan pay 5% more on average for their home insurance than the state mean.

Cheapest and Best Homeowners Insurance Companies in Mandan

Dickinson, ND

Dickinson is the seventh most populous city in the state of North Dakota. The city has an economy that encompasses several industries including agriculture and energy. The city is located approximately three miles northeast of Patterson Lake and 37 miles east of Theodore Roosevelt National Park. Our research found that the average home insurance premium in Dickinson was $2,748, which is $420 greater than the average in the state of North Dakota.

Dickinson has the sixth least affordable rates for home insurance in the state of North Dakota. Farmers offered a quote of $2,759, which is $156 cheaper than the rate of $2,915 offered by State Farm. State Farm quoted the least affordable rate in the city of Dickinson. Home insurance quotes in Dickinson varied by $344.

Best Homeowners Insurance Rates in Dickinson

Jamestown, ND

Jamestown, the eighth largest city in North Dakota, is located at the confluence of the James River and the Pipestem Creek. Early city developers wanted Jamestown to be the capital of the state. While this didn’t turn out to be the case, the city does offer a snapshot at early North Dakota history through the Stutsman County Memorial Museum. On average, residents of Jamestown pay 22% more for their home insurance than the rest of the state.

Amica offered the lowest quote from the insurance companies sampled in Jamestown at an annual cost of $2,466. The next most affordable home insurance quote was given by State Farm at $2,961, which represents a $495 increase from the quote offered by Amica. All quotes we gathered in Jamestown were greater than the state average.

Quotes from Jamestown's Cheapest and Best Home Insurance Companies

Williston, ND

Williston is the ninth most populous city in the state of North Dakota. The city is home to more than 350 oil companies. The town is well known for the population boom it experienced a few years ago and the creation of “man camps”. Rent costs across the city increased at a dramatic rate during this boom period. Residents of Williston pay an average of $2,025 a year for homeowners insurance.

Amica offered the lowest quote in the city at a cost of $1,175. The second most affordable homeowners insurance quote gathered was offered by State Farm at $1,802. Williston ranks in the top third for the most affordable cities for homeowners insurance in the state of North Dakota. Residents pay $304 less than the state mean.

Best Home Insurance Companies in Williston

Wahpeton, ND

Wahpeton serves as the state’s tenth largest city. Wahpeton is located near the North Dakota-Minnesota border just 56 miles south of Fargo. The city has recently undergone revitalization with Main Street being completely reconstructed. Wahpeton has an average annual home insurance cost of $2,215, which is $113 less than the state average.

Amica quoted the cheapest home insurance quote in the area at $1,240. Farmers offered the most expensive home insurance quote at $3,589, which is $2,349 greater than the quote offered by Amica. Residents of Wahpeton pay 5% less for their home insurance when compared to the state mean.

Best Cheap Home Insurance Companies in Wahpeton

Least Expensive Homeowners Insurance in North Dakota: by City

The graph below shows the five cheapest cities for homeowners insurance of all 30 cities which were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. Devils Lake is the cheapest city in North Dakota for homeowners insurance based on our study. Residents pay $1,789 annually on average, which is $539 lower than the state average.

Top 5 Best Cities in North Dakota for Homeowners Insurance

Devils Lake, ND

Based on our research, Devils Lake is the most affordable city in the state of North Dakota for homeowners insurance. On average, residents pay 23% less for their homeowners insurance policy when compared to the state mean, which translates to $539 in savings.

Fargo, ND

Fargo offers the second most affordable homeowners insurance rates in the state of North Dakota. The mean home insurance quote in the city was $1,943, which is 17% cheaper than the state average. The most affordable quote in Fargo was offered by Amica at $1,171 annually.

Grafton, ND

Grafton ranks as the third least expensive city in North Dakota for homeowners insurance. The average home insurance quote gathered for the city of Grafton was $1,947, which is $381 less than the state mean. On a percentage basis, this represents a 16% discount.

Belcourt, ND

Belcourt offers the fourth most affordable home insurance rates in the state of North Dakota. Residents pay on average $1,948 per year, which is $381 less than the state average. The lowest rate in the city was offered by Amica at $1,174.

West Fargo, ND

West Fargo is ranked the fifth least expensive city in North Dakota for home insurance. On average, residents pay $1,966 for home insurance, which represents a 16% lower rate when compared to the state mean. On an annual basis, residents save $363 on homeowners insurance versus the state average.

Most Expensive Homeowners Insurance in North Dakota: by City

The graph below shows the five most expensive places of all 30 cities which were part of this study. The cities are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each city based on our study. The most expensive city for homeowners insurance was Ashley where our research found an average annual rate of $2,855, which is $527 greater than the state average.

Top 5 Most Expensive Cities in North Dakota for Homeowners Insurance

Methodology

We studied 30 cities, spread out geographically all throughout the state of North Dakota. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from State Farm, Farmers, and Amica insurance companies. The rates were then averaged to arrive at a mean for each city. To see an alphabetical list of all the cities included in the comparison analysis, please see below. We've displayed all cities from Ashley to Williston with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.

RankCityAverage Insurance RateCost Compared to Average
30Ashley$2,85523%
4Belcourt1,948-16%
23Beulah2,62613%
18Bismarck2,3662%
10Bottineau2,096-10%
26Carrington2,76619%
27Center2,78620%
12Crosby2,193-6%
1Devils Lake1,789-23%
25Dickinson2,74818%
2Fargo1,943-17%
3Grafton1,947-16%
6Grand Forks1,994-14%
28Hazen2,82921%
14Horace2,215-5%
29Jamestown2,84222%
16Kenmare2,288-2%
17Lisbon2,3260%
21Mandan2,4435%
13Minot2,202-5%
24New Town2,72517%
19Parshall2,3963%
11Rugby2,150-8%
22Underwood2,61212%
9Valley City2,064-11%
15Wahpeton2,215-5%
20Washburn2,4415%
8Watford City2,056-12%
5West Fargo1,966-16%
7Williston2,025-13%

Sources:

North Dakota Census Data

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