Looking for cheap renters insurance in North Dakota? Consider getting quotes from American Family, Safeco and Allstate. In our analysis these companies offer the cheapest rates of all the carriers surveyed. But it’s smart to get multiple quotes for North Dakota renters insurance because the prices vary a lot among carriers. Below is the list of cheapest renters insurance companies in North Dakota:

  • American Family
  • Safeco
  • State Farm
  • Allstate
  • Nodak Mut

Cheapest renters insurance companies in North Dakota

According to Insure.com’s analysis, American Family offers the cheapest renters insurance in North Dakota at about $115 a year or $10 per month. Safeco is in second place with an average annual rate of $155. However, the cost of your premium may vary depending on factors specific to you.

CompanyAverage annual rateAverage monthly rate
American Family$115$10
Safeco$155$13
State Farm$155$13
Allstate$166$14
Nodak Mut$169$14
Farmers Union$171$14
Farmers$291$24
Fire Ins Exch$302$25
Auto Owners$2,742$228

Average cost of renters insurance in North Dakota by coverage level

The average cost of renters insurance in North Dakota is $338 per year or $28 per month. These rates are for coverage level of $20,000 for personal property, $300,000 for liability protection and $1000 as deductible.

Whereas, renters insurance costs $495 annually for coverage limit of $40,000 as personal property, $300,000 for liability and $1000 deductible.

Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate
$20,000$338$28
$40,000$495$41
$60,000$647$54

Most affordable ZIP codes for renters insurance in North Dakota

58012 is the most affordable zip code for renters insurance in North Dakota. Our insurance experts have analyzed price quotes from all the major carriers in North Dakota and put together a list of the most affordable zip codes with cheapest renters insurance.

ZIP codeAverage annual rateAverage monthly rate
58012$185$15
58049$186$16
58001$187$16
58006$188$16
58045$189$16
58004$190$16
58051$191$16
58746$192$16
58313$193$16
58438$194$16

Least affordable ZIP codes for renters insurance in North Dakota

Of all the zip codes analyzed by Insure.com, 58538 is the least affordable zip code for renters insurance in North Dakota. Its average annual rate for North Dakota renters is $203 a year or $17 per month. The insurance rates in a city can vary depending on many factors, such as crime rate and weather. A population with a low crime rate will have much lower premiums in comparison to other areas.

ZIP codeAverage annual rateAverage monthly rate
58538$203$17
58428$202$17
58501$201$17
58477$200$17
58504$199$17
58620$198$16
58418$197$16
58341$196$16
58452$195$16
58438$194$16

Renters and auto bundle discounts in North Dakota

Bundling with your auto insurance is a great way to save money on renters coverage. If you purchase your auto and renters insurance policies from the same company you can save an average of $160 per year in North Dakota.

Below is a list of companies that offer cheap rates upon bundling and you can also find how much you will have to pay if you don’t bundle your policies.

CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savings
American Family $1,136$1,198$625%
State Farm$1,183$1,244$615%
Allied Prop & Cas $1,519$1,588$694%
Progressive$1,559$1,638$795%
Mid Century $1,564$1,680$1177%
Owners $1,609$1,694$855%
North Star Mut $1,619$1,972$35218%
Geico$2,144$2,209$663%
Nodak Mut $2,178$2,419$24210%
Grinnell Select $2,312$2,890$57720%
National Farmers Union Prop & Cas$2,326$2,509$1827%
Allstate$2,672$2,696$241%

Go To Top