Average insurance rates across 10 cities in North Dakota
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Fargo | 125,990 | $1,911 | $1,228 | $533/mo | $13/mo |
| Bismarck | 99,433 | $1,911 | $1,228 | $533/mo | $13/mo |
| Grand Forks | 70,475 | $1,911 | $1,228 | $533/mo | $13/mo |
| Minot | 48,038 | $1,911 | $1,228 | $533/mo | $13/mo |
| West Fargo | 38,653 | $1,911 | $1,228 | $533/mo | $13/mo |
| Williston | 27,783 | $1,911 | $1,228 | $533/mo | $13/mo |
| Dickinson | 25,116 | $1,911 | $1,228 | $533/mo | $13/mo |
| Mandan | 24,049 | $1,911 | $1,228 | $533/mo | $13/mo |
| Jamestown | 15,850 | $1,911 | $1,228 | $533/mo | $13/mo |
| Wahpeton | 7,983 | $1,911 | $1,228 | $533/mo | $13/mo |
North Dakota residents pay an average of $2,100 per year for home insurance and $1,350 for auto insurance. As a no-fault state, North Dakota requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 25/50/25.
Health insurance in North Dakota averages $540 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in North Dakota include State Farm, Nodak Mutual, American Family.
Get personalized quotes from top insurers
Policygenius The ZebraThe average home insurance cost in North Dakota is $2,100 per year. Rates range from $1,300 to $3,000 depending on home value, location, and coverage level.
Auto insurance in North Dakota averages $1,350 per year for full coverage. The state minimum coverage is 25/50/25. As a no-fault state, PIP coverage is also required.
North Dakota has moderate insurance costs, with home insurance at $2,100/yr and auto at $1,350/yr compared to national averages of $2,300 and $1,800 respectively.
North Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.