Home Insurance in North Dakota — Average Cost 2026
Average home insurance in North Dakota: $1,740/year ($145/month). North Dakota ranks #34 out of 51 states — above the national average.
Average annual
$1,740
Average monthly
$145
National rank
#34
of 51 states
vs national avg
+21.8%
North Dakota vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Home insurance in North Dakota
North Dakota homeowners pay 22% above the national average for homeowners insurance. The state benefits from relatively lower natural disaster exposure compared to hurricane belt or wildfire-prone states, which contributes to more competitive rates.
Your specific premium in North Dakota will depend on your home value, year built, construction type, deductible choice, and coverage level. Comparing three or more quotes at each renewal is the most reliable way to ensure you are not overpaying.