The Best Cheap Renters Insurance in North Dakota (2025)
State Farm has the cheapest rates for renters insurance in North Dakota. A policy costs $9 per month, on average.
Compare Cheap Renters Insurance Quotes in North Dakota
Best Cheap Renters Insurance in North Dakota
ValuePenguin reviewed 141 quotes from six of the biggest renters insurance companies in North Dakota to find the best and cheapest options in the state. Our experts ranked the companies based on price, coverage options and customer service.
See our full methodology.
Cheapest renters insurance companies in North Dakota
State Farm has the cheapest renters insurance in North Dakota, with an average rate of $9 per month.
The average cost for renters insurance in North Dakota is $17 per month. North Dakota renters pay some of the cheapest renters insurance rates in the nation.
Compare Cheap Renters Insurance Quotes in North Dakota
Amica is also a good option for cheap rates, and it has excellent customer service. Progressive has the most expensive average rates for renters insurance in North Dakota, but it offers a lot of discounts to help you lower your monthly cost.
Cheapest renters insurance companies in North Dakota
Company | Monthly cost | ||
|---|---|---|---|
| State Farm | $9 | |
| Amica | $15 | |
| Assurant | $17 | |
| American Family | $19 | |
| Farmers | $20 | |
Best renters insurance for most people: State Farm
-
Editor's rating
- Cost: $9/mo
State Farm has cheap renters insurance rates and lots of coverage options.
Pros:
-
Cheapest average rates in ND
-
Good extra coverage options
-
Local agents available
Cons:
-
Fewer discounts than other companies
-
Customer service depends on your agent
State Farm is a good option for most people who need renters insurance in ND. State Farm has the cheapest average rates in North Dakota, so it's great for renters on a budget.
State Farm also has a lot of extra coverage options to help you build a policy that works for your needs. You can add water backup coverage, for example, to protect your items from damage caused by water backing up in a sewer or drain line. You could also add identity theft coverage, to help you pay for the cost to restore your identity if it's stolen.
Replacement cost coverage is another great option. With this coverage, you'll get the full cost to replace your damaged items when you file a claim, instead of the amount they're worth. For example, if you have a 10-year-old TV, it might only be worth $50, but it could cost $300 to replace it with a similar new model. If you have replacement cost coverage, you'll get the $300 to replace your TV.
But State Farm doesn't offer as many discounts as some companies. Because it has cheap average rates, this might not be an issue, but it's worth considering. Your customer service also depends on the agent you work with. Some agents might have excellent service while others aren't as good.
Best renters insurance for customer service: Amica
-
Editor's rating
- Cost: $15/mo
Amica is a good choice if you value excellent customer service.
Pros:
-
Highly rated service
-
Cheap rates
Cons:
-
Few extra coverage options
-
Can't meet with agents in person
If you want excellent customer service with your renters insurance policy, Amica is the best option. Amica is known for its excellent customer service and gets a high ranking from J.D. Power for its renters insurance policies.
Renters insurance from Amica costs $15 per month, on average. It's not the cheapest option in North Dakota, but it is cheaper than average. And you might get a lower rate if you bundle your car and renters insurance or renters and motorcycle insurance, buy your policy online or pay your full annual rate at once.
But Amica isn't the right choice if you want to meet with an agent in person. The company doesn't have any local agents in North Dakota, which means you'll have to work with them online or by phone. And there aren't as many extra coverage options as some companies have, so you might not be able to customize your policy as much as you want to.
Best renters insurance discounts: Progressive
-
Editor's rating
- Cost: $23/mo
Progressive has lots of renters insurance discounts to lower your rate.
Pros:
-
Lots of discounts
-
Good extra coverage options
Cons:
-
High average rates
-
Poor customer service
Progressive has a long list of discounts for its renters insurance policies. You can save by getting a quote before you need your policy to start, choosing to get your bills and documents emailed to you, bundling your car and renters insurance, and paying your yearly rate in one payment.
Progressive also has a good selection of extra coverage options to help you personalize your coverage. Replacement cost coverage is always included, which is a helpful perk. You can also add identity theft coverage, coverage for valuable items like jewelry and coverage for damage caused by mold.
But Progressive has some of the highest average renters insurance rates in North Dakota. Discounts can help you lower your rate, but it might also make sense to go with a cheaper company to begin with.
Progressive also has one of the lowest levels of customer satisfaction for its renters insurance. That means you might have issues with paying your bill, getting questions answered or getting paid when you file a claim.
North Dakota renters insurance costs by city
Lincoln, ND, to the southeast of Bismark, has the most expensive renters insurance rates among the state's larger cities, at $19 per month, on average.
Rates don't vary much across North Dakota. The cheapest rates are in Williston, near the border with Montana, where a policy costs an average of $16 per month. That's only $3 cheaper than the most expensive city.
Renters insurance costs change based on where you live, although there isn't a big difference across North Dakota. Your bill might be more expensive if you live in a rural area far from a fire station, for example.
City | Monthly rate | % from average |
|---|---|---|
| Beulah | $17 | 1% |
| Bismarck | $17 | 1% |
| Casselton | $17 | 0% |
| Devils Lake | $17 | 2% |
| Dickinson | $17 | 0% |
How to get the best renters insurance in North Dakota
To find the best renters insurance, think about how much coverage you need and how much you can afford to pay each month. Then, get quotes from a few different companies to compare them.
Decide on your budget and coverage needs. Knowing your monthly budget can help you weed out quotes that you simply can't afford. But insurance is about more than budget. You'll also need to think about how much coverage to get.
To decide how much coverage you need, it can be helpful to make an inventory of your stuff and its rough value. That way, you know how much personal property coverage to get quotes for.
You'll also likely need at least $100,000 in personal liability coverage to show your landlord. Liability coverage protects you if someone is hurt in your home or apartment or their things are damaged.
Shop around. Get quotes from several companies to see which one offers you the best price for the coverage you need. Different companies also have different extra coverage options, and you might find that one company better fits your needs than another.
You can also compare discounts when you shop for renters insurance. If you find a company that offers lots of discounts you can get, you might get a cheaper rate overall.
Review customer service ratings. Choosing a company with good customer service can make things smoother when you have questions, problems or a claim. You can also think about whether or not you want to work with a local agent. If you're fine working with a company by phone or online, you'll probably have more options than if you limit your choices to companies that have local agents.
What kind of renters insurance coverage do I need in North Dakota?
Wind is a particularly bad issue in North Dakota, and parts of the state are at a high risk for flooding. Making sure you have the right kind of coverage on your renters insurance policy helps you feel assured that your things will be paid for if they're damaged.
Does renters insurance in North Dakota cover wind?
Most renters insurance policies cover damage caused by wind. Although this is less of a concern for renters than it is for homeowners, wind can still damage rented homes and apartment buildings, leading to damage to your things inside. Usually, this happens when wind damages a roof and lets rain in during a storm.
Windstorms are common in North Dakota. The state recorded over 150 windstorms in 2024, in addition to 18 tornadoes. Hail is also common during storms.
Does North Dakota renters insurance cover flooding?
Renters insurance does not cover flood damage. Some companies let you add flood coverage, but you'll usually need to buy a separate flood policy. If you live in a basement or ground-floor apartment, flooding is more of a concern than if you live higher up.
Flooding is more common in eastern North Dakota, but the entire state has some level of flood risk. Flood damage can be very expensive, so it's usually worthwhile to consider getting flood insurance.
North Dakota renters insurance trends
Renters insurance prices have gone up 24.1% in North Dakota over the last six years.
North Dakota renters insurance rates went up between 2.0% and 113.6% over the last six years, depending on the company.
Renters insurance prices, on average, saw little to no increase between 2020 and 2022, but then saw a steeper increase of 15.4% across 2023 and 2024.
Among the major ND insurers, the biggest increases have been at Nationwide (113.6%), American Family (36.3%) and Farmers (33.4%).
Renters insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
What is the best renters insurance in North Dakota?
State Farm sells the best renters insurance in North Dakota. The company's rates are cheap, at just $9 per month, on average. State Farm also has helpful extra coverage options, and local agents are available to help you pick the right coverage.
How much is renters insurance in North Dakota?
Renters insurance in North Dakota costs an average of $17 per month. State Farm and Amica have cheaper-than-average rates. You can also use discounts to get cheaper renters insurance in North Dakota.
Is renters insurance required in ND?
Renters insurance is not required by law in North Dakota. However, your landlord or apartment complex will probably require you to get a policy. Even if renters insurance isn't required, it's usually a good idea. A policy is fairly cheap and can protect your finances if your stuff is damaged or someone is hurt in your home.
Methodology
ValuePenguin calculated renters insurance rates based on quotes from six major insurance companies in 24 of the largest cities across North Dakota. All the quotes are for a single 30-year-old woman who lives alone, has no recent renters insurance claims and has the following coverage limits:
- Personal property: $30,000
- Loss of use: $9,000
- Liability: $100,000
- Medical payments: $1,000
- Deductible: $500
Your rate will vary based on your age, where you live, how much coverage you need and more. The quotes in this article are for comparison purposes only.
The best renters insurance companies were chosen based on rates, customer service and coverage options. Ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, annual ratings from J.D. Power and ValuePenguin's editors' ratings.
Other sources include the Federal Emergency Management Agency (FEMA) and the Storm Prediction Center.
About the Author
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
