State Farm, American Family and Auto-Owners provide North Dakota's best cheap renters insurance. State Farm offers the lowest rates, American Family leads in customer satisfaction, and Auto-Owners has the most comprehensive coverage options.
Cheap Renters Insurance in North Dakota
Updated: May 5, 2025
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Key Takeaways
State Farm is North Dakota's best overall and cheapest renters insurance company, with rates starting at $129 per year.
Renters insurance in North Dakota costs an average of $13 per month, ranging from $11 to $25.
To find the best and most affordable renters insurance, decide on your coverage needs first. Then, research costs and compare many quotes.
North Dakota Renters Insurance Quote Estimates
MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
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Rates updated:
May 20, 2025
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Best Cheap Renters Insurance Companies in North Dakota
| State Farm | 94 | $11 | $129 |
| American Family | 89 | $16 | $195 |
| Allstate | 86 | $15 | $180 |
| Auto-Owners | 84 | $25 | $300 |
| COUNTRY Financial | 83 | $18 | $213 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in North Dakota
Our list covers most renters, but your ideal options may differ. Use this filterable table to find the best option for your profile in North Dakota.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| State Farm | 94 | $9 | $102 |
| American Family | 89 | $9 | $113 |
| Allstate | 75 | $12 | $140 |
| COUNTRY Financial | 70 | $13 | $151 |
| Auto-Owners | 61 | $16 | $192 |
Best North Dakota Renters Insurance Review
The section below details our top pick for affordability, customer service and coverage options for North Dakota renters insurance.
State Farm: Best Cheap Plans
pros
Lowest rates for most renters
Fourth best customer satisfaction in the U.S.
cons
Below-average claims satisfaction
Limited add-on coverage options
COMPANY HIGHLIGHTS
State Farm offers North Dakota's lowest renters insurance rates, starting at $11 monthly. It ranks fourth nationally in J.D. Power's customer satisfaction ratings. The company lets customers choose their exact personal property coverage limits.
Average Cost of Renters Insurance in North Dakota
The average cost of renters insurance in North Dakota is $158 per year, $84 lower than the national average of $242. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible. Your rate may vary based on your situation.
Below is a table where you can filter key factors affecting renters insurance rates to see average costs for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $13 | $158 |
North Dakota Renters Insurance: Buyer's Guide
Finding renters insurance in North Dakota can be challenging. Our guide helps you choose the right coverage whether you're new to renting or switching plans.
How to Find the Best Cheap Renters Insurance in North Dakota
Follow these steps to get the best coverage at the lowest price:
- 1
Determine the right coverage level
Decide how much coverage you need before shopping. Consider the value of your belongings and local risks from weather, crime and pets.
- 2
Research costs and discounts
Check average costs for your situation to spot a good deal. Look for discounts you qualify for to reduce costs further.
- 3
Compare providers
Evaluate companies based on reputation, costs and coverage options. Create a shortlist of providers that match your needs.
- 4
Consider bundling
If you have auto insurance, ask about bundling with renters insurance. These packages often provide significant savings and may make renters coverage much cheaper.
- 5
Compare multiple quotes through different channels
Collect at least five quotes from different providers. For a complete picture, use comparison sites, company websites, brokers and agents.
- 6
Compare rates annually
Compare rates each year as insurance markets change. This ensures you continue getting competitive pricing.
How Much Renters Insurance Do I Need in North Dakota?
North Dakota doesn't mandate renters insurance, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit score and pet ownership. When choosing a policy, consider the value of your belongings, local weather risks, neighborhood crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
North Dakota Renter Risk Considerations
Here are the usual risks for renters in North Dakota, along with coverage options:
- Weather risks: North Dakota faces a high risk of tornadoes and wildfires in certain areas. Standard coverage may not protect you in high-risk zones, requiring additional coverage.
- Crime risks: North Dakota ranks 17th for property crime and 46th for identity theft and fraud nationwide. Consider adding extra coverage to your renters policy for better protection against property damage.
- Pet ownership: Pet owners should consider pet liability coverage. Check if your provider's standard policy includes pet protection or requires an add-on.
- Property types: Standard policies might not fully cover specialized items like tools, electronics or rental property structures like pools. Look for insurers offering specific add-ons to protect these belongings.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers damage to your property, liability to others and loss of use linked to your rental home. Make your policy more comprehensive by adding extra coverages. Here are some common types of renters insurance coverage:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Pays for damaged or stolen personal items in your rental, up to your policy limit. You receive the actual cash value (depreciated value) unless you have replacement cost coverage, which provides funds for new items. | |
Standard | Pays for medical and legal expenses if someone is injured in your rental. Many landlords require tenants to have this coverage. | |
Additional living expenses | Standard | Covers temporary housing costs, including meals, lodging and transportation, when you can't stay in your rental home. Benefits are typically based on a percentage of personal property limits or a set amount, depending on the insurer. |
Natural disasters | Add-on | Separate policies that cover personal property damage caused by earthquakes and floods |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to a predetermined amount |
Identity theft | Add-on | Protects financially against identity theft, covering stolen funds, legal expenses and monitoring services. |
Pet liability | Add-on | Covers injuries caused by your pet on your rental property, though standard policies may include this |
Modifications | Add-on | Covers custom additions and modifications not part of the original rental property |
Food loss | Add-on | Reimburses any food lost due to covered incidents |
Best Renters Insurance in North Dakota: Bottom Line
State Farm, American Family and Auto-Owners are the best and cheapest overall renters insurance companies in North Dakota. While we recommend these options, you should research and compare multiple companies and quotes to get the best deal.
Renters Insurance in North Dakota: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in North Dakota?
State Farm offers the cheapest renters insurance in North Dakota, with an average annual premium of $129 or $11 per month.
What is the best renters insurance company in North Dakota?
State Farm is the best renters insurance company in North Dakota, with a MoneyGeek score of 94 out of 100. It stands out for balancing cost-efficiency and comprehensive coverage options.
How much does renters insurance cost in North Dakota?
The average cost of renters insurance in North Dakota is $158 per year or $13 per month, 35% lower than the national average. Annual premiums range from $129 to $300.
Is renters insurance required in North Dakota?
North Dakota doesn't legally require renters insurance, but your landlord might ask for it. Consider your needs and situation to decide if a policy is right for you. Reasons to get renters insurance include financial protection from common risks and liability for third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To find the cheapest renters insurance in North Dakota, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
We used this to determine our affordability score for the state (60% of the score).
Other parts of our score included:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 1, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 1, 2025.
- U.S. News. "Low Property Crime Rate." Accessed May 1, 2025.