Who Has the Best Cheapest Home Insurance in North Dakota?

Who Has the Best Cheapest Home Insurance in North Dakota?

Farmers Union has the cheapest home insurance in North Dakota at $989 per year.

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Home insurance in North Dakota costs an average of $1,475 per year, but cost is only one factor when choosing the best policy for you. We collected thousands of quotes across hundreds of ZIP codes from North Dakota's top home insurers to help you compare the best home insurance for cost, reliability and customer satisfaction.

Best cheap home insurance in North Dakota

Cheapest home insurance quotes in North Dakota

Farmers Union has the cheapest rates in North Dakota, at $989 per year on average.

The average rate for home insurance in North Dakota is $1,475 per year. That is 3% cheaper than the national average of $1,516.

Most affordable home insurance in North Dakota

Compare Home Insurance Quotes in North Dakota

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Annual cost
Farmers Union Insurance logo
Farmers Union Insurance$989
North Star Mutual logo
North Star$1,035
Allstate logo
Norfolk & Dedham logo
Farmers logo
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Best home insurance for most people in North Dakota: Farmers Union

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  • Editor rating

  • Annual rate

    $989 ?

Pros and cons

  • Strong customer service
  • Great standard coverage
  • Most affordable rates
  • No listed discounts
  • No online instant quotes

Farmers Union offers North Dakota homeowners the cheapest home insurance in the state at $989 per year, 33% below the state average.

However, Farmers Union does not list discounts online and doesn't offer online quotes. You will need to contact an agent either through their online form or in person to get a policy.

Farmers Union has the strongest customer service rating in North Dakota. You'll also find many coverage options that aren't always found in standard policies, including:

  • Mold remediation
  • Equipment breakdown
  • Home day care
  • Home business

Most well-rounded: North Star Mutual

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  • Editor rating

  • Annual rate

    $1,035 ?

Pros and cons

  • Strong customer service
  • Extra customization
  • Affordable quotes
  • Few discounts
  • Limited online tools

North Star offers some of the cheapest rates in North Dakota at $1,035 per year, 30% below the state average.

North Star offers a wide range of policies, covering mobile homes, rental homes or seasonal homes. North Star also has some of the highest customer satisfaction ratings in the state, making it an excellent choice for North Dakota home insurance.

Along with affordable rates, North Star offers all the standard discounts — including bundling and loyalty. Thanks to low rates and discounts, customers can afford the many customizations and add-ons that are offered by North Star, such as farm coverage or boat liability. This is a nice benefit for the many farms and ranches in the state.

However, North Star Mutual has limited online tools. You can pay bills online but can't get instant online quotes or file claims online.

Best bundling in North Dakota: Allstate

  • Editor rating

  • Annual rate

    $1,105 ?

Pros and cons

  • Great online tools
  • Steep discounts
  • Poor customer service
  • No farm and ranch policies

Allstate offers home insurance coverage in North Dakota for $1,105 per year, 25% cheaper than the state average. Along with cheap rates, Allstate offers a wide variety of discount options, including the best bundling discount. Allstate can offer a 25% discount when you bundle home and auto, considerably better than the next-highest company, State Farm, at 17%.

Allstate also has a smooth online experience and highly rated mobile app, offering online quotes, claim filing and payment options.

Allstate offers a good deal of policy flexibility, including coverage for landscaping and green improvement reimbursement. Unfortunately, Allstate doesn't offer policies for farms or ranches, so customers looking to bundle their home and farm policies may want to consider another insurer.

Allstate has one of the lowest ratings in the state, so if customer service is extremely important to you, Allstate may not be the best choice in North Dakota.

Best mobile experience: Farmers

  • Editor rating

  • Annual rate

    $1,391 ?

Pros and cons

  • Highly rated mobile app
  • Wide range of discounts
  • Limited customization

Farmers is an excellent option for North Dakota homeowners looking for an exceptional mobile experience. Farmers home insurance coverage averages $1,391 per year, which is 6% cheaper than the state average.

In addition to reasonable rates, Farmers offers a wide range of discounts, including a discount for homes built less than 14 years ago.

Farmers' standard policy covers all basic coverages, while the premier package has the highest possible policy limits and guaranteed replacement coverage. However, you'll have very few other add-ons to choose from.

Farmers also offers great online tools, including instant online quotes and online claims and bill pay. The Farmers mobile app has one of the highest ratings we found, with a 4.8-out-of-5-star rating on both the Apple and Google Play stores.

North Dakota home insurance rates by city

Home insurance in Fargo, the biggest city in North Dakota, costs $1,412 per year, which is 4% below the state average.

The cheapest city in North Dakota for home insurance is Manvel at $1,286 per year, while the most expensive city is New Salem, at $1,777 per year.

Average annual cost
Difference from state average
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Best home insurance companies in North Dakota

Farmers Union and North Star have the best customer service scores in North Dakota.

Auto-Owners, American Family and State Farm also have strong ratings in North Dakota, thanks to their direct guidance from an agent and their good coverage options.

Farmers Union Insurance
North Star
American Family
State Farm
Country Financial
State Auto

Most common home insurance risks in North Dakota: tornadoes and snow

North Dakota homes face many natural disasters, including blizzards and tornadoes. Most storm damage is covered by a standard home insurance policy.


Luckily, almost all home insurance policies include coverage from damage by wind, both from direct and indirect damage. Direct wind damage includes damage such as shingles getting ripped from the roof, while indirect damage would be like a tree falling down and damaging your home.

Tornadoes also often bring hail, which caused over $2.7 million of damage to property in North Dakota in 2021. Fortunately, damage to homes from hail is also covered by home insurance. However, some policies have exceptions for cosmetic damage.


Blizzards and snow are common in North Dakota, especially in cities close to the Canadian border. Snow damage is typically covered by standard home insurance, including damage from the weight of snow and ice that damages your roof and other property.

Your homeowners insurance may also cover claims if your property is damaged from melted snow. Leaky roofs are protected by most homeowners insurance policies, 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.

Frequently asked questions

How much does home insurance cost in North Dakota?

The average cost for home insurance in North Dakota is $1,475 per year, making the average monthly premium $123 per month. This rate is only slightly higher than the national average of $1,516.

Who has the best home insurance in North Dakota?

Farmers Union has the best home insurance in North Dakota with the cheapest rates, best customer service and excellent coverage.

Who has the cheapest home insurance in North Dakota?

Farmers Union has the cheapest home insurance in North Dakota, with rates of $989 per year or $82 a month. That's 33% cheaper than the state average.


To find the best homeowners insurance in North Dakota, we collected quotes from the top home insurance companies in the state.

We compared quotes for a typical home built in 1979 with a value of $193,900 — the median age and value of owner-occupied housing in North Dakota, according to the latest U.S. Census data.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. Quadrant's rates were publicly sourced from insurer 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.