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: January 16, 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. 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 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 lessAverage 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$19 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 levelOn 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 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$20Average 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 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 FargoAverage cost of renters insurance in North Dakota by ZIP codeIn 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 DakotaThe 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 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$15Least 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$17Final thoughts: Average renters insurance in North DakotaRenters 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.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 Explore other insurance options in North-Dakota Average homeowners insurance cost in North Dakota Average car insurance cost in North Dakota Non-owner auto insurance in North Dakota Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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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 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Best renters insurance companies in 2025 By Shivani Gite How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir 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