Average renters insurance cost in North Dakota

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Renters in North Dakota pay an average of $200 per year, or $17 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in North Dakota?

The average monthly cost of renters insurance in North Dakota is $17 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in North Dakota: Where to start

Renters insurance in North Dakota averages $200 per year, or $17 per month for a standard policy
If you’re looking for the lowest price, State Farm tends to offer the most competitive rates in North Dakota, averaging around $151 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in North Dakota?

Among insurers operating in North Dakota, State Farm has the lowest average annual premium at $151. American Family and Nodak Insurance are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various insurers in 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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

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

How much does renters insurance cost by coverage level in North Dakota?

At the standard coverage level – $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – renters insurance in North Dakota averages $200 per year.

If you reduce your personal property coverage to $20,000, that average drops to around $144 annually. Before making that adjustment, it’s worth confirming that $20,000 would genuinely cover the cost of replacing your belongings.

The table below compares average annual renters insurance costs in North Dakota at both the $20,000 and $40,000 coverage levels.

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

People also ask: How much renters insurance coverage do I need?

Coverage needs vary from person to person, but a common starting range is $20,000 to $40,000 in personal property protection and at least $300,000 in liability coverage. The right amount ultimately comes down to the value of what you own, whether any of your items warrant separate endorsements, and how much of a financial cushion you want between you and an unexpected loss.

Renters insurance rates in North Dakota by city

See rates in your city

Bismarck

Fargo

Grand Forks

How much does renters insurance cost by city in North Dakota?

Renters insurance rates in North Dakota aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in North Dakota.

Does your ZIP code affect renters insurance rates in North Dakota?

When it comes to pricing renters insurance, your ZIP code carries a lot of weight. Insurers look at the risk profile of your specific area – including local theft levels, weather exposure, and claims history – to determine your rate. Two renters with identical policies can pay very different premiums simply because of where they live.

Across North Dakota, annual premiums range from around $192 in 58203 to $210 in 58521. The cheapest and most expensive ZIP codes in North Dakota are listed below.

Why your ZIP code affects renters insurance costs

Renters insurance premiums are calculated using localized risk data, so rates can vary considerably depending on your neighborhood and ZIP code.

Factors that influence pricing include:

Local rates of theft and vandalism
Exposure to weather events such as wildfires, floods, or hurricanes
Fire incident history and repair costs in your area

A change of just a few ZIP codes can meaningfully affect your monthly rate.

What are the most affordable ZIP codes for renters insurance in North Dakota?

Among all ZIP codes in North Dakota, 58203 has the lowest average annual renters insurance rate at $192.

Lower theft rates and fewer weather-related claims are the main drivers behind more affordable premiums in these areas.

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

What are the least affordable ZIP codes for renters insurance in North Dakota?

58521 carries the highest average renters insurance cost in North Dakota at $210 per year, or $18 per month.

Below are average annual renters insurance rates for every ZIP code in North Dakota.

How to lower your renters insurance, even in a high-cost ZIP code

Compare quotes from a minimum of 3 insurers – pricing for the same coverage can vary by over $100 within a single ZIP code
Bundle renters and auto insurance with the same provider to unlock savings of 5% to 15%
Look into discounts tied to safety features. Smoke detectors, deadbolts, security cameras, and smart home systems can all qualify
Consider raising your deductible to $1,000 if it’s currently $500 – the savings can be around 10% annually
Ask your insurer about claims-free discounts if you’ve gone 3 or more years without filing

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

Is renters insurance worth it in North Dakota?

For most renters in North Dakota, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey â€“ over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in North Dakota?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in North Dakota to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.