Average Renters Insurance Cost in North Dakota

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Renters insurance costs in North Dakota vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in North Dakota is $200 per year or $17 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in North Dakota is $200 per year or $17 per month.
State Farm provides the least expensive renters insurance in North Dakota at an average rate of $151 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 $17 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
$17	$7 less

Average renters insurance cost in North Dakota by company

State Farm offers the most affordable renters insurance in North Dakota at an average annual rate of $151, followed by American Family and Nodak Insurance, based on our data.

However, you should get multiple quotes from various renters insurance companies in North Dakota because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across North Dakota.

Company	Average annual rate	Average monthly rate
State Farm	$151	$13
American Family	$163	$14
Nodak Insurance	$176	$15
North Star Mutual	$178	$15
Allstate	$193	$16
Country Financial	$223	$19
Auto-Owners	$224	$19
Agraria Mutual	$228	$19
Farmers	$230	$19

Renters insurance calculator in North Dakota

$184/year

Estimated renters insurance rates in North Dakota

$15

Monthly renters insurance cost in North Dakota

-32%

Compared to national average

Average cost of renters insurance in North Dakota by coverage level

The average annual cost of renters insurance in North Dakota is $200, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $144 a year for renters insurance in North Dakota. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows 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	$142	$12
$20,000 with $500 Deductible and $300,000 Liability	$158	$13
$20,000 with $1,000 Deductible and $100,000 Liability	$128	$11
$20,000 with $1,000 Deductible and $300,000 Liability	$144	$12
$40,000 with $500 Deductible and $100,000 Liability	$203	$17
$40,000 with $500 Deductible and $300,000 Liability	$220	$18
$40,000 with $1,000 Deductible and $100,000 Liability	$184	$15
$40,000 with $1,000 Deductible and $300,000 Liability	$200	$17
$60,000 with $500 Deductible and $100,000 Liability	$259	$22
$60,000 with $500 Deductible and $300,000 Liability	$276	$23
$60,000 with $1,000 Deductible and $100,000 Liability	$233	$19
$60,000 with $1,000 Deductible and $300,000 Liability	$249	$21

Average cost of renters insurance in North Dakota by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in North Dakota.

Renters insurance rates in North Dakota by city

See rates in your city

Bismarck

Fargo

Grand Forks

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, 58203 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $192.

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
58203	Grand Forks	$192	$16
58002	Absaraka	$194	$16
58004	Amenia	$194	$16
58313	Balta	$194	$16
58012	Casselton	$194	$16
58204	Grand Forks AFB	$194	$16
58042	Harwood	$194	$16
58481	Spiritwood	$194	$16
58072	Valley City	$194	$16
58079	Wheatland	$194	$16

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 58521, with an average cost of $210 a year or $18 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
58521	Baldwin	$210	$18
58723	Butte	$210	$17
58532	Driscoll	$210	$18
58558	Menoken	$210	$18
58559	Mercer	$210	$17
58560	Moffit	$210	$18
58477	Regan	$210	$18
58778	Ruso	$210	$17
58572	Sterling	$210	$18
58575	Turtle Lake	$210	$17

Final thoughts: Average renters insurance in North Dakota

Renters insurance is essential for residents of North Dakota. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.