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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
  • State Farm is the best renters insurance companies in North Dakota.
  • North Dakota residents pay an average of $474 a year for a standard renters insurance policy, and the average monthly cost is $39.
  • the least expensive zip code for renters insurance in North Dakota is 58012, and its average annual rate is $185.

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:

  • State Farm
  • American Family
  • Allstate
  • Farmers

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. 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.

State Farm is the best renters insurance companies in North Dakota. It has earned 866 scores out of 1000 from J.D Power, highest among the companies surveyed by Insurance.com.

Apart from State Farm, companies like American Family, Allstate, and Farmers can be your best bet. Find below the average cost and rating of major insurance companies in North Dakota.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$161
American Family838$120
Allstate833$201
Farmers831$249

How much is renters insurance in North Dakota

North Dakota residents pay an average of $474 a year for a standard renters insurance policy, and the average monthly cost is $39. 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
$474$39

10 Most expensive zip codes in North Dakota for renters insurance

Several 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 $203.

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$203
58428$202
58501$201
58477$200
58504$199
58620$198
58418$197
58341$196
58452$195
58438$194

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 58012, and its average annual rate is $185.

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

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

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 $115.

When you are 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 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$115
Safeco$155
State Farm$155
Allstate$166
Nodak Mut$169
Farmers Union$171
Farmers$291
Fire Ins Exch$302
Auto Owners$2,742

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