Average Homeowners Insurance Cost in Williston, ND
The average cost of homeowners insurance in Williston, North Dakota is $1,911 per year in 2026. This compares to the state average of $2,100 per year.
Factors Affecting Home Insurance in Williston
Average: $230,000
medium
6% of properties
0.91 (100 = national avg)
Home Insurance Coverage Comparison
| Coverage Tier | Dwelling Coverage | Personal Property | Liability | Est. Annual Cost |
|---|---|---|---|---|
| Basic (HO-1) | $184,000 | $92,000 | $100,000 | $1,433 |
| Standard (HO-3) | $230,000 | $115,000 | $300,000 | $1,911 |
| Premium (HO-5) | $287,500 | $172,500 | $500,000 | $2,579 |
Auto Insurance in Williston, ND
The average annual cost of auto insurance in Williston is $1,228, compared to the North Dakota state average of $1,350.
Auto Insurance Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual Cost |
|---|---|---|---|---|
| Liability Only | State Minimum | None | None | $675 |
| Full Coverage | 100/300/100 | $500 deductible | $500 deductible | $1,228 |
| Premium | 250/500/250 | $250 deductible | $250 deductible | $1,596 |
Health Insurance in Williston, ND
The average monthly health insurance premium in Williston is $533 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
Health Insurance Plan Tiers
| Plan Tier | Avg Monthly Premium | Typical Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | $383 | $7,000 | $9,100 | Healthy, low usage |
| Silver | $533 | $4,500 | $9,100 | Moderate usage |
| Gold | $666 | $1,650 | $8,700 | Regular medical needs |
| Platinum | $799 | $0 | $4,500 | High usage / families |
Life Insurance & Renters Insurance in Williston
💰 Life Insurance
Life insurance rates in North Dakota are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $21/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
Renters insurance in Williston covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Williston
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Frequently Asked Questions
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Insurance Costs in Nearby Cities
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Sources & Methodology
Rate ranges on this page are informational estimates for Williston, North Dakota. We start from published state-level averages and adjust for local cost-of-living, home values, weather risk, and other city-level factors. These are not quotes and not insurance advice.
- National Association of Insurance Commissioners (NAIC) — industry statistical publications used as a national baseline.
- State insurance department rate filings and consumer guides for North Dakota.
- Local cost-of-living and housing-value adjustments applied to the Williston market (cost index 0.91).
Last updated: September 2026. See our About page and editorial policy, or contact us to report a correction.