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In North Dakota, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $192 annually or $16 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.
Key Takeaways
- The average cost of renters insurance in North Dakota is $192 per year or $16 per month.
- State Farm provides the least expensive renters insurance in North Dakota at an average rate of $129 annually.
- Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in North Dakota.
Average renters insurance cost in North Dakota per month
In North Dakota, the average cost of renters insurance is $16 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.
| Average renters ins cost per month | Difference compared to national average |
|---|---|
| $16 | $6 less |
Average renters insurance cost in North Dakota by company
According to our data, State Farm provides the most affordable renters insurance in North Dakota, with an average annual rate of $129, followed by American Family and Nodak Insurance.
Getting quotes from multiple renters insurance companies in North Dakota is a good idea, as prices can differ significantly among insurers.
Below, you can find average annual and monthly renters insurance rates from various companies in North Dakota.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| State Farm | $129 | $11 |
| American Family | $132 | $11 |
| Nodak Insurance | $187 | $16 |
| North Star Mutual | $188 | $16 |
| Allstate | $193 | $16 |
| Agraria Mutual | $205 | $17 |
| Auto-Owners | $210 | $18 |
| Country Financial | $223 | $19 |
| Farmers | $225 | $19 |
Renters insurance calculator in North Dakota
Average cost of renters insurance in North Dakota by coverage level
On average, North Dakota renters pay $192 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.
Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in North Dakota to $139 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.
Below are the average annual renters insurance costs in North Dakota for personal property coverage of $20,000 and $40,000.
| Coverage level | Average annual renters insurance rate | Average monthly renters insurance rate |
|---|---|---|
| $20,000 with $500 Deductible and $100,000 Liability | $136 | $11 |
| $20,000 with $500 Deductible and $300,000 Liability | $153 | $13 |
| $20,000 with $1,000 Deductible and $100,000 Liability | $124 | $10 |
| $20,000 with $1,000 Deductible and $300,000 Liability | $139 | $12 |
| $40,000 with $500 Deductible and $100,000 Liability | $195 | $16 |
| $40,000 with $500 Deductible and $300,000 Liability | $212 | $18 |
| $40,000 with $1,000 Deductible and $100,000 Liability | $176 | $15 |
| $40,000 with $1,000 Deductible and $300,000 Liability | $192 | $16 |
| $60,000 with $500 Deductible and $100,000 Liability | $250 | $21 |
| $60,000 with $500 Deductible and $300,000 Liability | $266 | $22 |
| $60,000 with $1,000 Deductible and $100,000 Liability | $223 | $19 |
| $60,000 with $1,000 Deductible and $300,000 Liability | $240 | $20 |
Average cost of renters insurance in North Dakota by city
Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in North Dakota and find the best fit for your budget.
Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.
Renters insurance rates in North Dakota by city
Average cost of renters insurance in North Dakota by ZIP code
In North Dakota, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.
Most affordable ZIP codes for renters insurance in North Dakota
The amount North Dakota renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 58201 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $185.
Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in North Dakota.
| ZIP code | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| 58201 | Grand Forks | $185 | $15 |
| 58040 | Gwinner | $186 | $15 |
| 58069 | Stirum | $186 | $15 |
| 58220 | Cavalier | $186 | $15 |
| 58012 | Casselton | $186 | $15 |
| 58042 | Harwood | $186 | $15 |
| 58059 | Mapleton | $186 | $15 |
| 58032 | Forman | $186 | $15 |
| 58033 | Fort Ransom | $186 | $15 |
| 58249 | Langdon | $186 | $15 |
Least affordable ZIP codes for renters insurance in North Dakota
Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in North Dakota is 58538, with an average cost of $204 a year or $17 monthly.
We analyzed quotes from multiple insurance providers across every ZIP code in North Dakota. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.
| ZIP code | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| 58538 | Fort Yates | $204 | $17 |
| 58638 | Hebron | $203 | $17 |
| 58631 | Glen Ullin | $203 | $17 |
| 58601 | Dickinson | $203 | $17 |
| 58563 | New Salem | $203 | $17 |
| 58520 | Almont | $203 | $17 |
| 58573 | Strasburg | $203 | $17 |
| 58552 | Linton | $203 | $17 |
| 58549 | Kintyre | $203 | $17 |
| 58544 | Hazelton | $203 | $17 |
Final thoughts: Average renters insurance in North Dakota
Renters insurance is a must-have for renters in North Dakota. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.
To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.
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Related Articles
- Average renters insurance cost in North Dakota per month
- Average renters insurance cost in North Dakota by company
- Average cost of renters insurance in North Dakota by coverage level
- Average cost of renters insurance in North Dakota by city
- Average cost of renters insurance in North Dakota by ZIP code
- Final thoughts: Average renters insurance in North Dakota