Home Insurance in North Dakota averaged $1,414 a year in 2023, 19% below the national average, per the NAIC, plus the rules that shape your policy.
What home insurance costs in North Dakota
Homeowners in North Dakota paid an average of $1,414 a year on a standard HO-3 policy in 2023, 19% below the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,441.
North Dakota rules worth knowing
HO-8 (older homes, repair-cost basis): $453 a year
