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 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?

The average annual renters insurance premium in North Dakota is $200, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $144. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in North Dakota at both the $20,000 and $40,000 personal property 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?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

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

Renters insurance premiums can differ depending on where in North Dakota you live. Factors like local crime rates, weather patterns, and the density of the area all play a part in what insurers charge.

Here’s how average renters insurance rates compare across major cities.

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

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In North Dakota, annual rates range from roughly $192 in 58203 to $210 in 58521. Below are the cheapest and most expensive ZIP codes for renters insurance in North Dakota.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

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

58203 has the lowest average annual renters insurance cost at $192.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

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

At the other end of the spectrum, 58521 has the highest average renters insurance cost in North Dakota, at $210 per year or $18 per month.

Below are average annual rates across all ZIP codes in North Dakota, based on quotes from major providers.

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

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

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in North Dakota?

For the vast majority of renters in North Dakota, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in North Dakota?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

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

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$252/Year

$216/Year

Show more states

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.