Population: 73,529 | Midwest region | 19% below national average for homeowners insurance
Bismarck is a small city with a population of 73,529 in the Midwest region. Insurance costs here are shaped by a combination of North Dakota's regulatory environment, local risk factors, and the city's specific demographic profile.
Homeowners insurance in Bismarck runs $2,111/yr, which is roughly in line with the national average of $2,600/yr. While not the cheapest market in the country, residents aren't paying the extreme premiums seen in high-risk areas like coastal Florida or tornado-prone Oklahoma.
Bismarck's relatively moderate natural disaster risk profile helps keep insurance costs manageable. Without the extreme weather exposure that drives premiums in hurricane, tornado, or wildfire zones, insurers face lower claim frequency and severity, which translates to more competitive pricing for residents.
Bismarck's crime index of 28/100 is moderate — neither a significant penalty nor a notable benefit for insurance pricing. Standard security measures and a claims-free history are the most effective ways to keep premiums in check.
The total annual insurance budget for a Bismarck homeowner with a car is approximately $3,726/yr ($311/mo). This is well below the national combined average of $5,097/yr — a meaningful cost-of-living advantage for Bismarck residents that is often overlooked in relocation analyses. Bundling homeowners and auto with the same carrier typically saves 15-20%, which could mean $633 in annual savings.
Data sources: Insurance cost estimates derived from NAIC reports, Insurance.com, Bankrate, and Insurify (2025-2026). City risk factors from FEMA, FBI UCR, and state insurance department filings. Figures represent average annual premiums for standard coverage and may vary based on individual factors.
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