North Dakota Insurance Rates (2026)
Compare auto, home, life, and health insurance rates for North Dakota residents. Updated with the latest 2026 carrier data.
North Dakota Insurance by Type
Auto Insurance
Compare car insurance rates by city, coverage level, and driver profile. Find the cheapest auto insurance options in your state.
View North Dakota Rates →Home Insurance
See average homeowners insurance premiums, top risk factors, and money-saving tips specific to your state.
View North Dakota Rates →Renters Insurance
Average renters premiums, top carriers, landlord-required coverage, and personal property limits in your state.
View North Dakota Rates →Health Insurance
State marketplace, average Silver-tier premium, Medicaid expansion status, plan counts, and open-enrollment dates.
View North Dakota Rates →Life Insurance
Sample term-life premiums by age band, licensed carrier count, guaranteed-issue rules, and state regulatory notes.
View North Dakota Rates →Flood Insurance
NFIP policy count, Risk Rating 2.0 average premium, top flood risk areas, and private market availability in your state.
View North Dakota Rates →Disability Insurance
Short-term and long-term disability income protection. Learn about own-occupation policies and costs by age.
View Guide →Dental Insurance
DHMO vs PPO plans, the 100-80-50 coverage rule, and whether standalone dental insurance is worth the cost.
View Guide →Vision Insurance
Eye exam copays, frames and contacts allowances, and VSP vs EyeMed plan comparisons.
View Guide →Medicare
State Medicare Advantage enrollment, Medigap Plan G premiums, switching rights, and top carriers for your state.
View North Dakota Rates →Business Insurance
Small business GL & BOP costs, top industries, workers' comp class codes, and state licensing requirements.
View North Dakota Rates →Workers' Compensation
State requirements, employee thresholds, sole proprietor exemptions, monopolistic state fund rules, and rates.
View North Dakota Rates →Motorcycle Insurance
State motorcycle insurance rates, helmet law, registration count, top carriers, and seasonal lay-up coverage.
View North Dakota Rates →Condo Insurance (HO-6)
State HO-6 premiums, master policy types (bare walls-in vs all-in), loss assessment recommendations, and top carriers.
View North Dakota Rates →Landlord Insurance
State DP-3 rental property rates, top carriers, short-term rental (Airbnb) climate, and landlord/tenant laws.
View North Dakota Rates →Pet Insurance
State pet insurance rates for dogs and cats, top carriers, vet cost averages, and state regulatory framework.
View North Dakota Rates →Long-Term Care
Nursing home, assisted living, and in-home care coverage. Hybrid policies and when to buy.
View Guide →Condo Insurance
HO-6 policies explained — master policy gaps, loss assessment coverage, and walls-in protection.
View Guide →Landlord Insurance
DP-1 vs DP-3 dwelling fire policies, rental income protection, and Airbnb coverage gaps.
View Guide →Travel Insurance
Trip cancellation, emergency medical abroad, CFAR policies, and when travel insurance is worth it.
View Guide →North Dakota Insurance Market Overview
Population
780K
Major Cities
Fargo, Bismarck, Grand Forks
Market Notes
Hail season can be severe; otherwise a moderate-cost insurance market.
North Dakota's State Insurance Regulator
For complaints, license verification, and current regulations, contact North Dakota Insurance Department directly.
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.