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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to get affordable renters insurance in North Dakota

Renters insurance is an important form of insurance. It keeps your belongings safe in the event your rental property suffers damage from a common incident. A renters insurance policy protects personal items in the event of fire, smoke damage, a wind storm, theft, vandalism and a variety of other circumstances.

Unlike auto insurance, renters policies aren’t priced specifically by state. Still, there are relatively substantial variations in renters insurance pricing by state. Renters insurance policy rates in US states may differ based on the number of — and value of — renters claims filed across the state, and depend on the value of the belongings being insured.

Getting a renters policy in North Dakota is less expensive than the national average. The typical annual renters insurance rate in North Dakota is $117, $67 less expensive than the average rate across all US states.

The best way to get an affordable renters insurance policy in North Dakota is to get quotes from a variety of insurance companies. Find out renters insurance costs in North Dakota via the below breakdown. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.

Jump to
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in North Dakota by company

Renters insurance prices in North Dakota differ depending on the insurer you use. Safeco offers the best deal on renters insurance in North Dakota — only $58 per year. This compares favorably to the state average cost of $117, offering a 51% price cut on average policy costs statewide.

Begin your search for a renters insurance policy by reviewing the cheapest North Dakota companies, listed below.

Carrier Average Annual Rate in North Dakota
Safeco $58
American Family $75
MetLife $75
AAA $81
State Farm $93

North Dakota renters insurance costs by city

Renters insurance rates in North Dakota differ by city. Policy pricing may depend on city-specific variables, such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The best renters insurance in North Dakota is available in Valley City. An average renters insurance policy in Valley City costs just $115 per year — $48 less than the average North Dakota rate. The below cities have the most affordable renters insurance in North Dakota.

City Average Annual Renters Insurance Rate
Valley City $115
Casselton $115
Grand Forks $115
Grand Forks AFB $115
Jamestown $115

Renters insurance in ND by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In North Dakota, the difference in annual premium between these two tiers is approximately $40. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Yearly Renters Insurance Rate in North Dakota
$25K Property $97
$50K Property $138

Tip: bundle auto and renters insurance in North Dakota

To trim a few dollars from your insurance costs, consider purchasing your renters and car insurance policies from the same company. A renters and car insurance bundle in North Dakota can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in North Dakota results in yearly savings of $102.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,325 $1,223 $102 8%

North Dakota renters insurance FAQs


Is renters insurance required in North Dakota?

Although there is no state law that mandates renters insurance in North Dakota, landlords and property management companies generally make it a stipulation before you sign a lease.

What does North Dakota renters insurance cover?

In North Dakota, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be unihabitable.

Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.