North Dakota is known for its wide-open spaces, agriculture, and cold winters. In 2025, securing the right insurance coverage is key to protecting your health, vehicle, home, and family. This guide covers the top insurance options in North Dakota, including auto, health, home, renters, life, and pet insurance.
Auto Insurance in North Dakota
North Dakota requires all drivers to have minimum liability coverage. However, many choose to increase coverage for added peace of mind.
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage | $25,000 per accident |
Top Auto Insurance Providers:
Rates may vary based on rural vs. urban locations and driving history.
Health Insurance in North Dakota
North Dakota residents can access health insurance through the federal marketplace, HealthCare.gov, and qualify for Medicaid or CHIP if eligible.
Popular Health Insurers:
- Sanford Health Plan
- Blue Cross Blue Shield of North Dakota
- Medica
- Medica Minnesota
Plan Types:
- Bronze, Silver, Gold, and Platinum tiers
- Medicaid and CHIP programs
- HMOs and PPOs
Most plans cover preventive care and mental health services.
Homeowners Insurance in North Dakota
Homeowners face risks such as winter storms, hail, and tornadoes, making home insurance essential.
Average Annual Premium: $1,000–$1,400 (depending on location)
Top Home Insurance Providers:
Recommended coverage includes protection against:
- Wind and hail damage
- Fire and theft
- Liability and personal property
Renters Insurance in North Dakota
Renters insurance is affordable and important for residents in cities like Fargo and Bismarck.
Average Monthly Premium: $10–$15
Top Providers:
Typical coverage includes personal property, liability, and additional living expenses.
Life Insurance in North Dakota
Life insurance options include term, whole, and universal life policies tailored to your family’s needs.
Best Life Insurance Companies:
Popular policy types:
- Term life for affordable coverage
- Whole life for cash value accumulation
- Final expense policies
Pet Insurance in North Dakota
Pet owners benefit from insurance plans that help manage vet costs in emergencies and routine care.
Top Pet Insurance Providers:
Coverage typically includes accidents, illnesses, surgeries, and optional wellness care.
Final Thoughts
Finding the best insurance in North Dakota in 2025 means balancing cost with coverage to protect your assets and health. Take advantage of state-specific resources like HealthCare.gov and local insurance agents to find policies that suit your lifestyle.
