Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in North Dakota Average renters insurance cost in North Dakota 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. | Updated on November 7, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Renters insurance costs in North Dakota varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in North Dakota is $169 per year or $14 per month for coverage limits of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ. Average renters insurance cost in North Dakota by company American Family offers affordable renters insurance in North Dakota at an average annual rate of $122 followed by State Farm and Nodak Insurance, based on Insure.com’s analysis. But it’s smart to get multiple quotes for various renters insurance companies in North Dakota because the prices vary a lot among carriers. Below we have compared the average annual and monthly renters insurance rates of insurance companies across North Dakota. CompanyAverage annual rateAverage monthly rateAmerican Family$122$10State Farm$129$11Nodak Insurance$158$13Farmers$165$14Country Financial$180$15North Star Mutual$183$15Agraria Mutual$189$16Allstate$193$16Auto-Owners$206$17 Average cost of renters insurance in North Dakota by coverage level As we discussed above, in North Dakota, the average cost of renters insurance is $169 per year, that’s $98 more than the national average. These rates are for the coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $126 per year for renters insurance in North Dakota for $300,000 in liability protection and $1000 deductible. Find below the average cost of renters insurance in North Dakota for personal property coverage of $20,000 and $40,000. Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate20000$126$1140000$169$1460000$212$18 Average cost of renters insurance in North Dakota by ZIP code The cost of renters insurance in North Dakota varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location. To provide a more comprehensive overview, let’s explore some of the most and least affordable ZIP codes for renters insurance in North Dakota. Most affordable ZIP codes for renters insurance in North Dakota How much North Dakota renters pay for insurance majorly depends on the ZIP code they live in. 58040 is the most affordable ZIP for renters insurance in North Dakota among all the ZIP codes analyzed, at about $164 a year on average. Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in North Dakota. ZipcodeAverage annual rateAverage monthly rate58040$164$1458049$165$1458540$172$1458769$174$1458737$174$1558529$175$1558559$176$1558620$177$1558538$181$15 Least affordable ZIP codes for renters insurance in North Dakota Your zip code, among other factors, affects how much you pay for renters insurance in North Dakota. 58538 is the least affordable zip code for North Dakota renters at an average cost of $181 a year or $15 monthly. We have analyzed quotes from the major insurance carriers across all the zip codes in North Dakota. Below are the average annual renters insurance costs by ZIP code. ZipcodeAverage annual rateAverage monthly rate58538$181$1558505$180$1558487$177$1558778$176$1558737$174$1558794$174$1458758$173$1458496$171$1458425$164$14 Renters and auto bundle discounts in North Dakota If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 14% per year in North Dakota. Agraria Mutual offers the cheapest rate on renters and auto insurance bundle, you can save 10% a year on your premiums. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsAgraria Mutual$1,516$1,690$17410%Allstate$1,646$2,049$40320%North Star Mutual$1,680$1,839$1599%Nodak Insurance$1,933$2,107$1748%Country Financial$1,973$2,550$57723%American Family$2,268$2,885$61721%State Farm$2,410$2,976$56619%Auto-Owners$2,675$2,953$2779%Farmers$3,819$4,411$59313% 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 cityBismarckFargoGrand ForksMinotWest FargoFinal 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. Consider factors like coverage options, deductibles, and customer reviews in addition to price. Methodology Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in North Dakota. These rates include a coverage limit of $300,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none. Explore other insurance options in North-Dakota Cheapest homeowners insurance in North Dakota Average car insurance cost in North Dakota Non-owner auto insurance in North Dakota How much is renters insurance in other statesAlaska$192/YearAlabama$250/YearArkansas$255/YearArizona$177/YearCalifornia$224/YearColorado$143/YearConnecticut$200/YearDelaware$174/YearFlorida$245/YearGeorgia$234/YearHawaii$165/YearIowa$142/YearIdaho$142/YearIllinois$174/YearIndiana$187/YearKansas$176/YearKentucky$149/YearLouisiana$355/YearMassachusetts$168/YearMaryland$183/YearMaine$136/YearMichigan$253/YearMinnesota$161/YearMissouri$168/YearMississippi$288/YearMontana$192/YearNorth Carolina$183/YearNebraska$187/YearNew Hampshire$131/YearNew Jersey$148/YearNew Mexico$158/YearNevada$193/YearNew York$225/YearOhio$181/YearOklahoma$198/YearOregon$204/YearPennsylvania$186/YearRhode Island$389/YearSouth Carolina$220/YearSouth Dakota$141/YearTennessee$212/YearTexas$158/YearUtah$153/YearVirginia$177/YearVermont$142/YearWashington$182/YearWisconsin$119/YearWest Virginia$184/YearWyoming$111/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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