Best renters insurance companies in North Dakota

When choosing the best renters insurance company in North Dakota, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in North Dakota. Below is our list of best renters insurance companies in North Dakota based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
American Family4.5
State Farm4
Allstate2.5
Farmers2.5
Data updated in 2024
Read our full methodology

Compare the best renters insurance companies in North Dakota

Comparing quotes from multiple insurance carriers is one way to ensure 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. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for North Dakota residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, American Family is the best renters insurance company in North Dakota. It earned 856 out of 1000 from J.D. Power and has an average renters insurance rate of $117.

The table below offers a detailed comparison of renters insurance companies in North Dakota.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
American Family856$117A
State Farm844$123A++
Farmers842$137A
Allstate835$138A+
Data updated in 2024
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How much is renters insurance in North Dakota

North Dakota residents pay an average of $154 a year for renters insurance, and the average monthly cost is $13. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual PremiumAverage Monthly Premium
$154$13
Data updated in 2024
Read our full methodology

Most expensive ZIP codes in North Dakota for renters insurance

Several factors affect your renters insurance coverage cost in North Dakota, including your location and the coverage you buy. The most expensive ZIP code in North Dakota for renters insurance is 58538, where the average annual rate is $165 which is $11 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in North Dakota for renters insurance.

ZIP codeAverage Annual Rate
58538$165
58601$163
58656$162
58558$161
58487$160
58570$159
58737$158
58794$157
58341$156
58496$155
Data updated in 2024
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Least expensive ZIP codes in North Dakota for renters insurance

Renters insurance rates in North Dakota are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in North Dakota is 58201, and its average annual rate is $148.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
58201$148
58040$149
58054$150
58006$151
58105$152
58051$153
58704$154
58380$155
58540$156
58418$157
Data updated in 2024
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Compare renters insurance rates by city in North Dakota

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in North Dakota.

CityAnnual insurance premium
Bismarck
$163
Dickinson
$163
Fargo
$151
Grand Forks
$149
Jamestown
$152
Mandan
$160
Minot
$152
Wahpeton
$150
West Fargo
$149
Williston
$153
Data updated in 2024
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Cheap renters insurance in North Dakota by company

There are a lot of companies offering renters insurance in North Dakota. Among the carriers surveyed by Insurance.com, American Family is the cheapest renters insurance company in North Dakota; its average annual premium is $117.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are 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
Metropolitan$156
Agraria Mutual$171
North Star Mutual$172
Country Financial$173
Auto-Owners$202
Data updated in 2024
Read our full methodology

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

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