Compare average insurance rates in Grand Forks for 2026
🏠
Home
$1911
/year
🚗
Auto
$1228
/year
🏥
Health
$533
/month
💰
Life
$21
/month
🏢
Renters
$13
/month
Home Insurance in Grand Forks, ND
The average cost of homeowners insurance in Grand Forks, North Dakota is $1,911 per year in 2026. This compares to the state average of $2,100 per year.
$1,911per year (avg in Grand Forks)
$1183ND avg: $2,100$2730
Factors Affecting Home Insurance in Grand Forks
🏠
Home Value Average: $230,000
🌪
Weather Risk medium
🌊
Flood Zone 6% of properties
📈
Cost Index 0.91 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$184,000
$92,000
$100,000
$1,433
Standard (HO-3)
$230,000
$115,000
$300,000
$1,911
Premium (HO-5)
$287,500
$172,500
$500,000
$2,579
Auto Insurance in Grand Forks, ND
The average annual cost of auto insurance in Grand Forks is $1,228, compared to the North Dakota state average of $1,350.
$1,228per year (avg in Grand Forks)
$774ND avg: $1,350$1774
📋
Minimum Coverage in North Dakota: 25/50/25
⚖️
No-Fault State: North Dakota is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$675
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,228
Premium
250/500/250
$250 deductible
$250 deductible
$1,596
Health Insurance in Grand Forks, ND
The average monthly health insurance premium in Grand Forks is $533 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$533per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$383
$7,000
$9,100
Healthy, low usage
Silver
$533
$4,500
$9,100
Moderate usage
Gold
$666
$1,650
$8,700
Regular medical needs
Platinum
$799
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Grand Forks
💰 Life Insurance
$21
per month (20-year term, $500K)
Life insurance rates in North Dakota are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $21/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$13
per month (avg in Grand Forks)
Renters insurance in Grand Forks covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Grand Forks
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Grand Forks, ND is $1,911 per year for a standard HO-3 policy. Rates range from $1,183 to $2,730 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Grand Forks is $1,228 per year for full coverage. Liability-only coverage averages around $553 per year. North Dakota requires minimum coverage of 25/50/25.
Insurance costs in Grand Forks are close to the national average (cost index: 0.91). Home insurance averages $1,911/yr and auto insurance $1,228/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.91), moderate natural disaster risk, average home values ($230,000), your personal claims history, credit score, and no-fault insurance laws in North Dakota.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Grand Forks residents can potentially save $628+ per year.
North Dakota requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
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