Home Renters insurance Renters insurance cost Average renters insurance cost in North Dakota Average renters insurance cost in North Dakota Discover the average cost of renters insurance in North Dakota and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 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 $192 per year or $16 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 $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 monthIn 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 monthDifference compared to national average$16$6 lessPowered by:Average renters insurance cost in North Dakota by companyAccording 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.CompanyAverage annual rateAverage monthly rateState Farm$129$11American Family$132$11Nodak Insurance$187$16North Star Mutual$188$16Allstate$193$16Agraria Mutual$205$17Auto-Owners$210$18Country Financial$223$19Farmers$225$19Powered by: Renters insurance calculator in North Dakota Select your state North Dakota Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $176/year Estimated renters insurance rates in North Dakota $15 Monthly renters insurance cost in North Dakota -29% Compared to national average Get quotes Average cost of renters insurance in North Dakota by coverage levelThe average annual cost of renters insurance in North Dakota is $192, 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 $139 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 levelAverage annual renters insurance rateAverage 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$20Powered by:Average cost of renters insurance in North Dakota by cityRenters 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 in North Dakota by citySee rates in your cityBismarckFargoGrand ForksAverage cost of renters insurance in North Dakota by ZIP codeRenters insurance costs in North Dakota vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in North DakotaIn North Dakota, your ZIP code plays a major role in determining your premiums. Based on our data, 58201 is the most affordable ZIP code for renters insurance, with an average annual cost of $185.Comparing quotes from multiple insurers in North Dakota is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate58201Grand Forks$185$1558040Gwinner$186$1558069Stirum$186$1558220Cavalier$186$1558012Casselton$186$1558042Harwood$186$1558059Mapleton$186$1558032Forman$186$1558033Fort Ransom$186$1558249Langdon$186$15Powered by:Least affordable ZIP codes for renters insurance in North DakotaAmong 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 codeCityAverage annual rateAverage monthly rate58538Fort Yates$204$1758638Hebron$203$1758631Glen Ullin$203$1758601Dickinson$203$1758563New Salem$203$1758520Almont$203$1758573Strasburg$203$1758552Linton$203$1758549Kintyre$203$1758544Hazelton$203$17Powered by:Final thoughts: Average renters insurance in North DakotaRenters insurance is a must for North Dakota renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in North DakotaBest and cheapest homeowners insurance companies in North DakotaCost of Living in North Dakota in 2025How much does condo insurance cost in North Dakota in 2025? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in North Dakota per monthAverage renters insurance cost in North Dakota by companyAverage cost of renters insurance in North Dakota by coverage levelAverage cost of renters insurance in North Dakota by cityAverage cost of renters insurance in North Dakota by ZIP codeFinal thoughts: Average renters insurance in North Dakota ZIP Code Please enter valid ZIP See rates (844) 761-9316