Home insurance cost in North Dakota
About $3,510 a year, or $293 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,510
a year
A month
$293
Rank
36 of 51
1 = cheapest; +41% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Illinois | $3,240 | 34 |
| Arizona | $3,415 | 35 |
| North Dakota | $3,510 | 36 |
| Minnesota | $3,615 | 37 |
| Iowa | $3,765 | 38 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in North Dakota?
About $3,510 a year, or $293 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in North Dakota expensive?
North Dakota ranks 36 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for North Dakota: monthly budget · take-home pay · rent.