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Home Insurance and Car Insurance in North Dakota
Homeowners and drivers in the Peace Garden State have plenty of options when it comes to finding insurance coverage that meets their needs. If you live in North Dakota, you’re well aware of the unique hazards that driving and homeownership can bring. From cold weather and snow storms to inattentive drivers, there are many reasons to insure your personal property.
At SelectQuote, we excel at helping our North Dakota customers find affordable, convenient home and auto insurance coverage and bundled policies at prices that work with their budgets.
Homeowners Insurance in North Dakota
Shopping for home insurance in North Dakota shouldn’t be complicated, especially since it’s a vital necessity for many homeowners. While the state doesn’t legally require you to purchase home insurance, it’s highly likely your lender will require you to buy it as part of your mortgage agreement.
The average cost for North Dakota home insurance falls around $172 per month, but how much you pay will largely depend on several factors, including the types of coverage you purchase, your deductible, the age and size of your home, and the amount of coverage you need.
Homeowners Insurance Coverage Options in North Dakota
So, what kind of home insurance coverage options are available for North Dakota homeowners? Like most other states, standard policies include the following types of home insurance coverage:
- Dwelling coverage protects your home’s structure, including its roof and walls.
- Personal property coverage protects the contents inside your home, like furniture, and covers theft or damage outside of the home.
- Liability coverage defends and protects you if someone sues you after an injury occurs on your property or if you damage their property.
- Guest medical coverage pays for the medical expenses of someone injured on your property.
- Other structures coverage pays for damage to the physical structure of other buildings on your property, like detached garages and pole barns.
- Additional living expenses coverage helps cover costs like lodging or a hotel stay if a covered loss renders your home uninhabitable.
These aren’t the only types of insurance coverage you can purchase in North Dakota, but they are typically included in every major policy.
Common Causes of Loss in North Dakota
North Dakota homeowners have plenty of hazards to worry about, as insurance companies who serve the state commonly see claims related to the following events:
- Property damage
- Fire and lightning
- Water damage and freezing
- Wind and hail
- Theft
Remember that each carrier might have specific policies related to the above hazards, including maximum coverage amounts and deductible requirements. For example, traditional home insurance policies will almost never cover flood damage.
Additional Coverage Options Recommended for North Dakota Homeowners
Additional coverage options can help protect you against hazards that aren’t covered by regular home insurance policies. Depending on common hazards in your part of the state, your home lender may even require you to buy one or more of the following types of coverage:
- Flood insurance: Because most insurance companies do not cover flooding as part of their regular policies, you’ll need to buy additional coverage. If your carrier doesn’t offer it, you can also purchase this insurance from FEMA’s National Flood Insurance Program.
- Seepage and leakage: This insurance covers damage caused by slow and continuous leaking or seeping of water into your home. Slow leaks from pipes or ground seepage in basements are common causes.
- Water backup coverage: A sewer backup could be disastrous for your home, as water overflows from toilets, bathtubs, and other drains. This coverage can offset the cost of repairs or replacement for this type of damage.
Our Home Insurance Companies in North Dakota
No matter what kind of home insurance policy you need, SelectQuote partners with many highly rated home and auto insurance companies in North Dakota. We compare rates from several of these industry-leading carriers at once to find you affordable, convenient coverage for your home.
What is the average home insurance cost in North Dakota?
SelectQuote’s North Dakota customers pay an average monthly premium of $120.79,+ less than the general average of $172 per month in the state. However, that number can vary based on the type and amount of coverage you buy, the age and location of your home, your credit score, and any applicable discounts.
Homeowners Insurance Discounts in North Dakota
North Dakota home insurance customers have plenty of discount opportunities to save on their monthly premiums. Consider asking your agent about the following types of home insurance discounts:
- New home discounts
- Security system discounts
- Customer loyalty discounts
- Few or no claims discounts
- Bundled coverage discounts
Bundle Your Home and Auto Insurance to Save Money
Bundling your home and auto insurance coverage is one of the best ways to save money on your coverage, but how much can you actually save? When you work with SelectQuote, you could save an average of nearly $700 per year by bundling your policies with one carrier.
Average Home and Auto Insurance Rates in North Dakota
The following table shows the average monthly insurance rates for real SelectQuote customers in North Dakota. Your own rates will vary based on factors like your insurance needs and coverage limits, other available discounts, and your insurance claim history.
| Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| $120.79 | $125.12 | $213.75 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Car Insurance in North Dakota
Auto insurance is just as important as home insurance to North Dakota residents, but it’s not just to protect you from the costs of repairing or replacing your vehicle after an accident. Like other states, North Dakota requires drivers to show the ability to help pay for damages for accidents they cause. Liability insurance is a legal requirement in North Dakota, but it’s not the only type of insurance coverage you can buy.
Let’s explore the ins and outs of car insurance in North Dakota, including how you can save money by bundling your coverage with a home policy.
North Dakota Auto Insurance Laws and Requirements
North Dakota requires all registered and operated motor vehicles to carry specific minimum insurance coverage. All drivers are expected to carry bodily injury liability coverage of $25,000 per person and $50,000 per accident. In addition, you’ll need to carry $25,000 of property damage liability coverage per accident. North Dakota also requires you to carry both uninsured and underinsured motorist coverage at the same amounts. Finally, North Dakota differs from many states in that you must also carry $30,000 of basic no-fault coverage.
There are other types of auto insurance coverage that you can purchase as part of your policy that aren’t required by the state, but you may still need to buy them to satisfy the requirements of your car loan lender.
The main types of auto insurance coverage that are part of a car insurance policy include:
- Bodily Injury Liability Coverage: This coverage pays for injuries you cause to other people in an accident where you are at fault, including medical expenses and lost wages.
- Property Damage Liability Coverage: This coverage pays for damage you cause to another person's property (like their car) in an accident where you are at fault.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you're in an accident with a driver who doesn't have insurance or whose insurance isn't sufficient to cover the costs of the accident.
- Collision Coverage: This coverage pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.
- Comprehensive Coverage: This coverage pays for damage to your vehicle not caused by a collision, such as theft, vandalism, fire, natural disasters, or hitting an animal.
- Gap Coverage: This coverage pays the difference between what you owe on your vehicle and its current market value if it's totaled in an accident.
North Dakota Teen Driving Laws
North Dakota requires all licensed drivers to be 16 or older. You may not drive in the state if you’re under 16, even if you have a driver’s license from another state. In addition, North Dakota does allow residents to obtain restricted licenses at age 15, but parents or legal guardians must sign for minors who are younger than 18 if they want a permit or license.
North Dakota Car Registration Information
Every type of vehicle in North Dakota has its own registration requirements, but generally speaking, you’ll need documents that prove your ownership of the car as well as your insurance declarations page that confirms you have the minimum legal coverage required by the state.
What is the average car insurance cost in North Dakota?
The average SelectQuote customer pays $125.12 per month for car insurance+ in North Dakota. Your own premiums, however, can vary. It largely depends on factors like the make and model of your car, your age, driving and insurance history, where you live, your credit score, and various other details. It also depends on any discounts you’re eligible for, such as lower rates for safe driving and bundled home and auto coverage.
Our Auto Insurance Companies in North Dakota
Whether you’re shopping for your first car insurance policy or simply want a better rate for existing coverage, SelectQuote can help. We partner with highly rated auto insurance carriers in North Dakota to compare rates and find the right price to meet your coverage needs.
Home and Auto Insurance Frequently Asked Questions
Shopping for home and auto insurance often invites questions about what kind of coverage you need and if specific insurance is necessary. North Dakota residents frequently ask their insurance agents the following questions:
Do I need North Dakota RV insurance?
Driving an RV in North Dakota does require insurance. RV insurance costs can vary based on the type of RV you drive. You must have liability insurance for motorhomes that you drive on the road, but trailer insurance isn’t mandatory.
Do I need renters insurance in North Dakota?
While renters insurance is not a legal requirement in North Dakota, most landlords or property management companies will require you to have it as part of your lease agreement. In addition, renters insurance is incredibly affordable and provides significant benefits, including repairing or replacing your property if it’s damaged or stolen.
Do I need flood insurance in North Dakota?
Flood insurance is not required in North Dakota, and most home insurance companies don’t offer it as a standard coverage in their policies. That said, your housing lender may require you to purchase it if you live in an area that is prone to flooding. You may be able to find flood insurance through either your insurance company or by purchasing it through the NFIP.
Do I need condo insurance in North Dakota?
Condo insurance, like home insurance, is not a legal requirement in North Dakota, but lenders typically require you to purchase it as a condition of your loan. Condo insurance provides coverage for the condo’s interior, personal possessions, and liability. Even without a mortgage, condo insurance is a good value to protect against unforeseen damages or losses.
SelectQuote Can Shop North Dakota Home or Auto Insurance to Save You Time and Money
Protecting your home and vehicle with the right kind of insurance coverage should be one of your top priorities. From first-time buyers to “switch and savers,” North Dakota insurance shoppers trust SelectQuote to find the best coverage to meet their needs. When you let us do the work of comparing rates and shopping for coverage from leading insurers, you save time and money.
If you’ve never considered buying bundled home and auto insurance, SelectQuote can help. Save hundreds of dollars on coverage and get your free quote today.
+Average rates calculated are based on effective SelectQuote customer policies in North Dakota between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.
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