Renters Insurance

The Best Cheap Renters Insurance in North Dakota

The Best Cheap Renters Insurance in North Dakota

Comparing renters insurance means deciding which company offers the best balance of affordable prices, policy offerings and reliable customer service. To help you get started, we collected rates from across North Dakota from some of the state's largest providers.

Compare Cheap Renters Insurance in North Dakota

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The average cost of renters insurance in North Dakota is $15 per month, or $185 per year.

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Affordability: Comparing the costs of renters insurance in North Dakota

The average cost of renters insurance in North Dakota is about $15 per month, or $185 annually. The average rates in North Dakota align closely with those of the nation as a whole, we found. Some companies, however, offer coverage for rates that are far cheaper.

The cheapest renters insurance in North Dakota is most likely to come from State Farm, while Farmers Insurance tends to charge much more for coverage.

A bar graph showing the average costs of renters insurance in North Dakota
A bar graph showing the average costs of renters insurance in North Dakota

Compare Cheap Renters Insurance in North Dakota

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Insurance provider
Monthly cost
Annual cost
Difference from statewide average
State Farm$8$93-48%

The rates you're quoted depend on a variety of factors, including where you live, the amount of property you wish to cover, the material your home is built from and more. Accordingly, the rates we gathered correspond to the following coverage limits:

  • Personal property protection: $30,000
  • Liability coverage: $100,000
  • Medical payments to others: $1,000

Renters insurance rates are also determined by your own personal qualities, like your marital status, the pets you have, the number of claims you've made in the past and your insurance history. The sample profile we used to obtain this study's rates was an unmarried male renter with no pets or prior insurance history.


The cheapest renters insurance rates we found were for less than $8 per month, or $93 per year, but prices can increase depending on your renters insurance company. Below, we call out the cheapest renters insurance in North Dakota, along with some of the state's other best insurance companies.

Best renters insurance for most people: State Farm

State Farm has the cheapest prices in the state and a well-regarded reputation for service.
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Read the full review

The good:

  • Cheapest renters insurance in North Dakota
  • Receives few complaints from its policyholders

The bad:

  • Limited number of upgrades

The best renters insurance for most people in North Dakota comes from State Farm. On average, State Farm has the cheapest renters insurance of any of the companies we surveyed, and it's not that close. State Farm was the only company to offer coverage for less than $10 per month. The insurer charges a monthly rate of about $8 — nearly half of the average cost in North Dakota.

State Farm's coverage will meet the needs of many policyholders. Renters get coverage for their personal property and lawsuits brought against them, as with most standard policies. Although renters can purchase coverage for identity fraud and increase the protections afforded to their high-value property, such as jewelry and firearms, there are few other opportunities to improve a basic policy.

The reputation State Farm has for customer service is the best of any renters insurance company we examined. Data from the National Association of Insurance Commissioners (NAIC) reveals that the insurer receives only a third of the complaints expected for its size. Additionally, the feedback that J.D. Power received from State Farm's policyholders resulted in the insurer being ranked third among national providers for its service.

Best renters insurance for discounts: Allstate

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

  • Many chances to reduce the cost of coverage
  • Some of the most affordable rates in the state

The bad:

  • Few ways to improve a standard policy

Allstate has the best renters insurance for people looking for the chance to qualify for multiple discounts. 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, having fire alarms and other safety features and for simply electing to make automatic payments.

Even for people who don't qualify for many of Allstate's discounts, the insurer is still a good option. Allstate's prices are among the cheapest in North Dakota. On average, Allstate costs about $11 per month, or $127 per year. This makes it the second-cheapest option, and nearly 30% cheaper than the average cost in the state.

Like State Farm, 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 as an extra.

Best renters insurance for coverage options: Geico

Geico has cheap rates and a number of ways to expand its basic protections.
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The good:

  • Multiple ways to enhance coverage
  • Affordable prices for most

The bad:

  • Poor customer service reputation

Read the full review

Geico offers its policyholders the most optional add-ons of any company we surveyed. Renters who request a quote from Geico receive coverage from Assurant, a partner that the insurer uses to underwrite its renters products.

Geico's prices are affordable, especially for people who looking for standard coverage. Geico costs $12 per month, or 18% less than North Dakota's average.

Renters who want more than the basic property, liability and loss-of-use coverage afforded by a typical renters insurance policy could add Geico's useful renters insurance endorsements. For an extra charge, renters can add:

  • Replacement cost coverage: Reimburses property losses for their full value without considering the objects' monetary depreciation.
  • Water backup protection: Grants $2,500 of protection to property damaged by backed-up sinks or drains, after a $250 deductible.
  • Identity theft coverage: $15,000 of coverage toward case resolution to victims of identity fraud.

Since Geico's policies are underwritten by a different provider, claims are settled by Assurant rather than Geico. Unfortunately, Assurant doesn't have a reputation for great service. It receives more complaints than its size would indicate, and it wasn't rated in J.D. Power's national survey.

How we chose the best renters insurance in North Dakota

We checked three qualities to determine which company has the best renters insurance in North Dakota. These three traits are:

  • Affordability: The price typical renters might expect to pay for coverage.
  • Policy features: The number of extra features offered by each insurer, along with the strength of its basic policy.
  • Customer service: The dependability of insurers to meet the needs of their policyholders quickly and fairly.

North Dakota renters insurance rates: City-by-city breakdowns

Our analysis of renters insurance in North Dakota also revealed the average cost in the state's largest cities. There's not very much variability in the cost of renters insurance in the state, as many cities have an average cost of $15 or $16 per month.

Renters in many of North Dakota's largest cities may find coverage that costs $15 per month, but renters in Belcourt are more likely to encounter higher prices.

Monthly cost
Annual cost
Difference from statewide average
Grand Forks$16$1913%
West Fargo$15$183-1%
Watford City$15$183-1%
Devils Lake$15$183-1%
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Policy features: Examining the range of protections each renters insurance company offers

Most renters insurance companies offer similar forms of basic coverage. However, policyholders at some companies are afforded more chances to improve their protections by adding extras.

Personal property coverage
Personal liability
Water-backup coverage
Identity theft protection
Replacement-cost coverage
Valuables plus
State Farm$10,000 – more than $100,000$100,000 – $1 millionX-X-X
Geico$5,000 – $50,000$50,000 – $300,000-XXX-
Allstate$15,000 – more than $100,000$100,000 – $500,000--X--
Farmers$4,000 – $150,000$100,000 – $1 million--XX-

Unlike other forms of insurance, renters insurance isn't required by law. This means that renters can more easily avoid paying for coverage they don't need. While you should consider buying coverage from a provider that gives you the flexibility to adjust your coverage over time, it's important to find the best value for your needs.

Customer service: Evaluating the service reputations of North Dakota's insurers

We consulted three measurements to evaluate the customer service offered by renters insurance companies in North Dakota. Our analysis of each insurer takes into account:

  • NAIC Complaint Index: This data documents the number of complaints insurers receive compared to their market shares. The NAIC represents a typical number of complaints with the benchmark 1.00. A company with a higher ratio receives more complaints than expected for its size.
  • J.D. Power Home Insurance Study - Renters: J.D. Power ranked some of the nation's largest renters insurance companies according to their policyholders' overall satisfaction with price, policy offerings and claims service. J.D. Power indicates an insurer's performance with a five-point scale.
  • A.M. Best Financial Strength Ratings:The credit ratings awarded by A.M. Best communicate the ability of a company to satisfy its financial obligations, including paying claims to its policyholders. Most companies score well under A.M. Best's rating system.

The renters insurance company in North Dakota with the best customer service

NAIC Complaint Index
J.D. Power score
A.M. Best Financial Strength Rating
State Farm0.354/5A++
Geico1.06Not ratedA


We found the best renters insurance in North Dakota by comparing rates, policy features and customer service provided by State Farm, Allstate, Geico, Progressive and Farmers. We gathered quotes for a typical policy from cities across the state using a sample profile of an unmarried male with no pets or history of insurance.

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.