In North Dakota, the top home insurance providers are American Family, Auto-Owners, Agraria, State Farm and COUNTRY Financial. Auto-Owners excels in coverage options, Agraria is the most affordable, and American Family earns top marks for customer service. Compare all our top picks below.
Best Homeowners Insurance in North Dakota
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in North Dakota are American Family, Auto-Owners and Agraria.
American Family offers the best overall home insurance for most homeowners. If you have a claims history, Auto-Owners could be a more suitable option.
Choosing the best policy involves three key steps: define your coverage needs, evaluate insurer pricing and reputation, and compare several quotes.
Who Are the Best Home Insurance Companies in North Dakota?
| American Family | 90 | 2 | 1 | 2 |
| Auto-Owners | 89 | 4 | 2 | 1 |
| Agraria | 83 | 1 | 5 | 2 |
| State Farm | 82 | 5 | 3 | 4 |
| COUNTRY Financial | 76 | 3 | 4 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| American Family | 90 | Overall |
| American Family | 90 | Older Homes |
| American Family | 90 | Newer Homes |
| American Family | 91 | High-Fire-Risk Areas |
| American Family | 88 | Bad Credit |
| Auto-Owners | 92 | With Claims History |
Best North Dakota Home Insurance Reviews
Explore our top home insurance choices for North Dakota, focusing on leaders in affordability, customer service, and coverage options to help you make informed decisions.
Agraria: Best for Affordability
Agraria is the most affordable home insurance option for most homeowners in North Dakota. The provider is also the second best provider for coverage in the state, due to its unique coverage options like $5,000 in mold remediation coverage, fire department service charge reimbursement, and optional equipment breakdown and ordinance or law coverage to enhance your home's protection.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $49 | $584 |
| Newer Homes in High-Fire-Risk Areas | $57 | $686 |
| Older Homes | $70 | $835 |
| Older Homes in High-Fire-Risk Areas | $82 | $981 |
American Family: Best for Customer Service
American Family is the second most affordable option for homeowners insurance in North Dakota, and our top provider for customer service. Its J.D. Power scores are around the nationwide average for both claims and customer satisfaction in recent studies. Additionally, its unique coverage options include service line coverage, matching siding protection, and hidden water damage coverage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $124 | $1,490 |
| Newer Homes | $124 | $1,490 |
| Older Homes | $166 | $1,996 |
| Older Homes in High-Fire-Risk Areas | $166 | $1,996 |
Auto-Owners: Best for Coverage
Auto-Owners is one of the more expensive providers in our North Dakota study, although it does stand out in terms of coverage options. Its unique offerings include Homeowners Plus for bundled protections against appliance leaks and food spoilage, Guaranteed Home Replacement Cost to cover rebuilding beyond policy limits, and Inland Flood coverage for broader flood protection without a separate policy.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $130 | $1,554 |
| Newer Homes in High-Fire-Risk Areas | $131 | $1,571 |
| Older Homes | $181 | $2,171 |
| Older Homes in High-Fire-Risk Areas | $183 | $2,194 |
How to Find the Best Home Insurance in North Dakota
Finding the best insurance for your needs can be challenging, so we’ve created a step-by-step guide to help you choose the right option.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in North Dakota to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in North Dakota. Use guides and research customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in North Dakota: Bottom Line
American Family, Auto-Owners and Agraria are the best-rated homeowners insurance providers in North Dakota. Get quotes from these providers and compare options to help you choose the right insurer.
Best Home Insurance in North Dakota: FAQ
Discover answers to frequently asked questions about choosing the right home insurance provider in North Dakota.
Which company is best for home insurance in North Dakota?
American Family is the best homeowners insurance provider in North Dakota, thanks to its affordability, customer service, and strong add-on coverage options. Auto-Owners, Agraria, State Farm and COUNTRY Financial are also highly rated alternatives in the state.
Who has the most affordable homeowners insurance in North Dakota?
Agraria offers the most affordable insurance in North Dakota. The average cost of homeowners insurance in North Dakota is $1,247 annually.
How do you get the best homeowners insurance in North Dakota?
To find the best home insurance in North Dakota, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in North Dakota: Our Methodology
We rated the best homeowners insurance providers in North Dakota using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.