Average renters insurance cost in North Dakota
North Dakota is one of the cheapest states in the country for renters insurance, ranking #2 of 50. At $16 a month, coverage here runs about 30% below the national average — protecting everything you own costs less than a streaming subscription.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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How North Dakota compares with its neighbors
| State | Monthly rate | Difference vs ND |
|---|---|---|
| North Dakota | $16 | — |
| Minnesota | $20 | +$4/mo |
| South Dakota | $21 | +$5/mo |
| Montana | $16 | +$0/mo |
North Dakota renters insurance FAQ
How much is renters insurance in North Dakota?
Renters insurance in North Dakota averages $16 per month — about $192 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in North Dakota?
No state law requires renters insurance in North Dakota — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $16 a month.
How can I pay less than $16/month in North Dakota?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.