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Renters insurance is an affordable way to protect your rented home or apartment from theft and damage. People often find themselves in a dilemma when it comes to choosing the best renters insurance.

To help you find the most affordable renters insurance company, we have prepared this guide for you. We have gathered quotes from major renters insurance providers across North Dakota and compared the carriers based on several rating factors. Keep on reading this resource to get all the details you will need to choose the best renters insurance in North Dakota.

Key takeaways

  • North Dakota residents pay an average of $153 annually for standard renters insurance policy.
  • State Farm is the best renters insurance company based on the Insurance.com research, with a J.D.Power score of 836 out of 1,000.
  • 58538 is the most expensive ZIP code in North Dakota with an average annual rate of $165 per year.
  • In North Dakota, American Family offers the cheapest renters insurance at $117 annually.

Best renters insurance companies in North Dakota

When it comes to choosing the best renters insurance company in North Dakota, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in North Dakota. Below is the list of best renters insurance companies in North Dakota:

CompanyAverage rating(out of 5)
State Farm4.5
Allstate4.5
Farmers Insurance3

Compare best renters insurance companies in North Dakota

Comparing quotes from multiple insurance carriers is one of the ways to make sure you will get your money's worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Make sure you buy the insurance policy from a company that offers affordable renters insurance and provides consistent customer service.

To make your task easy we have compared the carriers for North Dakota residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is one of the best renters insurance companies in North Dakota. It has earned 836 scores out of 1000 from J.D Power and provides average rate for renters insurance $123.

Find below the average cost and rating of other renters insurance companies in North Dakota.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
Allstate837$138A+
Farmers Insurance831$137A
State Farm836$123A++

How much is renters insurance in North Dakota

North Dakota residents pay an average of $153 a year for a standard renters insurance policy, and the average monthly cost is $13. That’s the state average cost for a policy with recommended coverage levels of personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

It's important to know that the price of your renters insurance policy will likely not be the same as a neighbor who lives near you. This is because it depends on factors specific for each person; the property you want to insure, extra coverage options you add, and the deductible amount you choose.

Average Annual PremiumAverage Monthly Premium
$153$13

10 Most expensive zip codes in North Dakota for renters insurance

A number of factors affect your renters insurance coverage costs in North Dakota including your location and the coverage you buy. The most expensive zip code in North Dakota for renters insurance is 58538, its average annual rate is $165--- $12 more than the state average insurance premium.

The following table lists the 10 most expensive zip codes in North Dakota for renters insurance. The list is prepared by analyzing quotes from major insurance companies across all the zip codes.

ZIP codeAverage Annual Rate
58538$165
58505$164
58638$164
58631$164
58563$164
58520$164
58573$164
58552$164
58549$164
58544$164

10 Least expensive zip codes in North Dakota for renters insurance

Renters insurance rates in North Dakota vary based on coverage amount, the renter’s credit history, and where they live. Based on a rate analysis by Insurance.com, the least expensive zip code for renters insurance in North Dakota is 58040, and its average annual rate is $148.

Find below the list of least expensive zip codes for renters insurance along with their average annual rates.

ZIP codeAverage Annual Rate
58040$148
58069$148
58032$148
58033$148
58042$148
58059$148
58249$148
58012$148
58056$148
58072$148

Cheap renters insurance in North Dakota by carrier

When it comes to shopping for a renters insurance policy, there are a number of options available, and it will be easy for you to find renters insurance quotes. Among the carriers surveyed by Insurance.com, American Family is the cheapest renters insurance company in North Dakota, its average annual premium is $117.

When you're shopping for renters insurance, know that prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal in order to get coverage at an affordable price.

Below is a list of the best cheap renters insurance companies in North Dakota and their average annual premiums.

Company NameAverage Annual Premium
American Family$117
State Farm$123
Farmers$137
Allstate$138
Nodak Insurance$148
Agraria Mutual$171
North Star Mutual$172
Country Financial$173
Auto-Owners$202

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1000 deductible and $100,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $40,000, liability coverage of $100,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

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