North Star has the cheapest average rate for homeowners insurance in North Dakota at $102 a month. Allstate has the second-lowest home insurance rate in the state at $120 a month.
The average rates of both these companies come in well under both the North Dakota and national average home insurance rates. Still, it's in your best interests to compare quotes from multiple companies to make sure you get the best home coverage at the cheapest price. We put together this guide to help with that.
In this article
North Dakota's cheapest home insurance companies
North Star is the cheapest choice for home insurance in North Dakota at $102 a month, according to our research. Allstate has the second-lowest average rate at $120 a month. Country Mutual is a close third, with an average monthly rate of $122 a month.
| Company | Monthly rate |
|---|---|
| North Star | $102 |
| Allstate | $120 |
| Country Mutual | $122 |
| Liberty | $141 |
| Nodak | $161 |
| Farmers | $203 |
| American Family | $213 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does homeowners insurance cost in North Dakota?
The average cost of home insurance in North Dakota is $152 a month. This is 4% higher than the average national homeowners insurance rate of $146 a month.
Home insurance providers calculate your policy quote based on many different factors. These include:
- The age of your home
- The construction materials used
- Your ZIP code
- Your insurance history
Home insurance companies charge different rates for the same coverage because they put different risk levels on different factors when quoting you for a policy. For example, one company might consider the age of your home to be more important than another company does. This makes comparing quotes important.
Compare quotes from top home insurance companies
Your policy deductible affects your home insurance premium, as well. The higher your deductible, the lower your premium.
The best home insurance companies in North Dakota
We found that North Star and Allstate are the two best home insurance providers in North Dakota. Here's why:
North Star: Cheapest home insurance rate
North Star has the lowest rate for home insurance in North Dakota at $102 a month, coming in 33% cheaper than the average North Dakota rate of $152 a month. Started in 1920, North Star provides home insurance in eight Midwest states, including North Dakota, and has been awarded an A+ rating for financial stability by AM Best. This gives North Star excellent standing as a trusted, affordable home insurance provider in the Midwest.
Allstate: Best customer satisfaction
On top of having a low average home insurance rate of $120 a month, Allstate also maintains an excellent trend in customer claim resolution. It carries a rating of 0.76 on the National Association of Insurance Commissioners' (NAIC) Complaint Index. This index analyzes the claims-resolution capability of different home insurance providers, including payout and resolution time. The lower a provider's index value, the better. Given that the national average complaint index is 1.0, Allstate comes in with a very strong customer satisfaction position.
North Dakota's cheapest home insurance by city and county
Grand Forks has the cheapest average home insurance premium among North Dakota's 10 biggest cities, with Country Mutual at $95 a month. Jamestown and Wahpeton share the second-cheapest average rate of $97 a month with North Star Mutual. West Fargo has the third-cheapest rate of $99 a month with Country Mutual.
| City | Allstate | Country Mutual | North Star Mutual |
|---|---|---|---|
| Bismarck | $132 | $138 | $127 |
| Dickinson | $132 | $138 | $115 |
| Fargo | $108 | $102 | $109 |
| Grand Forks | $108 | $95 | $104 |
| Jamestown | $132 | $114 | $97 |
| Mandan | $132 | $138 | $127 |
| Minot | $110 | $109 | $105 |
| Wahpeton | $108 | $114 | $97 |
| West Fargo | $108 | $99 | $109 |
| Williston | $112 | $138 | $115 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
When looking at the best rates in North Dakota's most populated counties, Richland, Rolette and Steele Counties share the lowest average homeowners insurance rate of $97 a month with North Star Mutual. Grand Forks County has the second-cheapest premium in the state at $98 a month with North Star Mutual. Cass County has the third-cheapest rate in North Dakota at $100 a month, again with North Star Mutual.
| County | Allstate | Country Mutual | North Star Mutual |
|---|---|---|---|
| Burleigh | $128 | $138 | $110 |
| Cass | $108 | $111 | $100 |
| Grand Forks | $108 | $101 | $98 |
| Morton | $166 | $138 | $112 |
| Richland | $108 | $114 | $97 |
| Rolette | $108 | $114 | $97 |
| Stark | $157 | $138 | $115 |
| Steele | $114 | $114 | $97 |
| Ward | $110 | $123 | $109 |
| Williams | $112 | $138 | $115 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Methodology
We collected quotes from every ZIP code in North Dakota from the following home insurance companies:
- Allstate
- American Family
- Country Mutual
- Farmers
- Liberty
- Nodak
- North Star
Average rates for a standard HO-3 homeowners insurance policy were calculated using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Sources:
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