Renters Insurance

The Best Cheap Renters Insurance in North Dakota

The Best Cheap Renters Insurance in North Dakota

Allstate has the best prices for renters insurance in North Dakota, with an average rate of $134 per year, or about $11 per month.

The average cost of renters insurance in North Dakota is $14 per month. Allstate's low rates can save you 24% compared to the state average.

Compare Cheap Renters Insurance in North Dakota

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We gathered insurance quotes from five of the best options in North Dakota in order to find the best company for you. When choosing a renters insurance company, you should balance coverage options and customer service, in addition to affordability.

All our sample quotes include $30,000 of personal property coverage with a $500 deductible, as well as $100,000 in liability protection.

Cheapest renters insurance companies in North Dakota

The cheapest renters insurance in North Dakota is offered by Allstate, which has an average price of $11 per month.

The average price of coverage in North Dakota is $14 per month — most insurers offer prices that are roughly comparable to one another. The one exception is Farmers insurance, where we found an average price of $22 per month. That's nearly double the typical price from other insurers.

The Cheapest Renters Insurance in North Dakota

Compare Cheap Renters Insurance in North Dakota

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North Dakota renters insurance is cheaper than the typical price nationally. Across the country, renters insurance costs about $19 per month, on average.

Company
Monthly cost
Allstate logo
Allstate$11
Nationwide logo
Nationwide$11
Travelers logo
Travelers$12
Amica logo
Amica$13
Farmers logo
Farmers$22

Best renters insurance for most people: Nationwide

Nationwide has the best overall mix of low prices, well-rated service and lots of coverage options.
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The good:

  • Competitive prices
  • Lots of useful add-ons available

The bad:

  • Customer service is good, but not great

Nationwide has a great overall blend of affordable prices, lots of coverage options and well-rated customer service, making it our top pick for North Dakotans.

The average rate at Nationwide is $11 per month. That's a few cents more per month than Allstate, the cheapest option available, and about 19% cheaper than the state average overall.

Nationwide has generally well-rated customer service. It receives only about two-thirds as many complaints as a typical insurer, according to the National Association of Insurance Commissioners (NAIC), suggesting customers are more likely to be satisfied with their experience.

Finally, Nationwide also offers a wider range of coverage options than many other renters insurance companies. You can upgrade your coverage to include add-ons such as:

  • Water backup protection: Covers expenses that arise from water damage caused by broken or malfunctioning sinks or drains.
  • Identity theft coverage: For about $4 per month, Nationwide monitors your financial information and, in the event of a breach, covers up to $25,000 of damages and legal services.
  • Replacement cost coverage: Reimburses you for the full value of your lost or stolen property, without considering how it's depreciated over time.
  • Valuables plus insurance: You can add extra coverage to special items, such as jewelry or firearms, which aren't covered in full by a standard policy.

Cheapest renters insurance option: Allstate

Allstate's discounts, combined with its cheap rates, could mean a great value for many renters.
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The good:

  • Cheapest rates in North Dakota
  • Many chances to reduce the cost of coverage

The bad:

  • Few ways to improve a standard policy

Allstate has the best renters insurance for North Dakotans focused on finding the lowest rates possible. Allstate offered the lowest prices we found statewide, at slightly less than $11 per month.

Additionally, Allstate offers the most opportunities for discounts that could bring your rates down even more. For example, policyholders could save up to a quarter of the cost of their renters insurance if they're at least 55 and retired. Allstate also offers discounts for remaining claims-free, for having fire alarms and other safety features and for simply electing to make automatic payments.

Allstate's weak spot is that it gives policyholders relatively few ways to improve their policies with add-ons, also called endorsements. Renters can add on additional liability and property coverage for special, expensive items. Additionally, Allstate offers identity theft protection services.

That said, the insurer’s customer service was not as strong as its competitors. It receives about 27% more complaints than an average insurer, according to the NAIC. It also received a mediocre rating from ValuePenguin editors.

Best rated: Amica

Amica has the highest customer service rating of any company we reviewed in North Dakota.
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The good:

  • Highly rated service
  • Cheaper-than-average rates

The bad:

  • Few extra coverage options
  • Can't meet with agents in person

For North Dakota renters willing to spend a bit more for a strong customer experience, we recommend Amica. It's only a few dollars more per month than our top pick, and it is consistently well rated by its customers.

Amica received a top score in our ratings for renters insurance, reflecting the positive experiences customers tend to report while buying a policy or making a claim. Amica receives only about one-eighth as many complaints as an average insurance company its size, according to the NAIC — suggesting customers are very likely to be satisfied with their experience.

The average price we found from Amica is about $20 per month, or $235 per year. That's $6 more per month than our top pick, Nationwide, but still slightly cheaper than the state average.

However, you may be able to reduce your price by taking advantage of Amica's discounts. These include savings for being claim-free and bundling your renters insurance with an auto policy.

The biggest drawback to Amica is that it doesn't have many extra coverage options beyond the basics. While it does offer a few bonuses such as replacement cost coverage, it lacks options like water backup or equipment breakdown coverage. Additionally, Amica doesn't have any physical offices in North Dakota, so you'll need to get coverage from another insurer if you'd prefer to talk in person with an agent.

North Dakota renters insurance: Costs by city

The most expensive city for renters insurance in North Dakota is Cassleton, just outside Fargo. There, we found an average price of $183 per year.

Among the 25 largest cities in North Dakota, the cheapest city is Lisbon, where we found a rate of just $158 annually. That's $25 per year less than in Casselton.

Renters insurance costs can change based on where you live. Your bill might be more expensive if you live in a rural area far from a fire station, or cheaper if you live in a low-crime area.

City
Average annual cost
Difference from state average (%)
Beulah$1650%
Bismarck$160-3%
Casselton$18311%
Devils Lake$1650%
Dickinson$160-3%
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Top-rated renters insurance companies in North Dakota

USAA and Amica have the best-rated customer service among renters insurers in North Dakota.

Both companies received few complaints according to the NAIC — suggesting customers are usually happy with their service. Both companies also received strong ratings from the ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

Company
Rating
USAA
Amica
Nationwide
Travelers
Farmers
Allstate

Methodology

We evaluated renters insurance prices from five major insurance companies in 25 of the largest cities across the state of North Dakota. All sample quotes are for a single 25-year-old renter who lives alone and has no recent renters insurance claims.

Coverage
Limits
Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000
Deductible$500

Listed coverage applied where available.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' ratings.

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.