State Farm tops North Dakota's renters insurance market, with a MoneyGeek score of 4.7 out of 5. Farm Bureau comes in second with an overall score of 4.7, excelling in affordability. Allstate, American Family and Auto-Owners complete the top five.
Best Renters Insurance in North Dakota (2026)
Updated: March 9, 2026
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Key Takeaways: North Dakota Renters Insurance
State Farm tops North Dakota's best overall renters insurance company, earning a 4.7 out of 5 MoneyGeek score.
At $73 annually, Farm Bureau offers North Dakota's most affordable renters insurance premiums statewide.
Get quotes from several insurers to find the most competitive rates for your coverage needs.
5 Best Renters Insurance Companies in North Dakota
| State Farm | 4.72 | 3 | 2 | 4 |
| Farm Bureau | 4.7 | 1 | 3 | 8 |
| Allstate | 4.6 | 2 | 5 | 7 |
| American Family | 4.42 | 4 | 4 | 6 |
| Auto-Owners Insurance | 4.36 | 6 | 1 | 9 |
*Our ratings consider different combinations of coverage levels and renter details to identify the best overall options. Rankings may differ based on your profile.
State Farm
Top Choice for North Dakota Renters
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.9/5Customer Experience
3.8/5Coverage
Average Annual Premium
$90Based on our methodology's base profile of a policy with $20K in personal property coverage and $100K in liability coverage with a $500 deductibleAverage Monthly Premium
$7Based on our methodology's base profile of a policy with $20K in personal property coverage and $100K in liability coverage with a $500 deductibleJ.D. Power Renters Insurance Customer Satisfaction Score
685/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average renters insurance score is 668/1,000.
Compare the Cheapest Renters Insurance Companies in North Dakota
Farm Bureau charges the lowest renters insurance rates in North Dakota at $73 per year for $20,000 in personal property coverage, $41 below the state average of $114 annually. Allstate comes in second at $84 per year. State Farm costs $90 and has statewide availability. All eight cheapest insurers charge below the state average, with rates from $73 to $147 per year.
Average Cost of Renters Insurance in North Dakota
North Dakota renters pay just $114 annually for renters insurance, $82 below the average cost of renters insurance nationally at $196. These figures are based on coverage with $20,000 in personal property protection, $100,000 in liability limits and a $500 deductible.
Your actual premium is determined by your coverage limits, deductible choice and where you're located within the state.
| ND | $114 | $-82 |
Do You Need Renters Insurance in North Dakota?
Many landlords require renters insurance as a lease condition, even though the state doesn't mandate it by law. Property managers often mandate coverage to protect themselves from liability claims, sometimes requiring minimum liability limits of $100,000 or more. Your landlord can require coverage as part of your rental agreement. Review your lease before moving in to determine if you need a policy.
HOW TO DETERMINE YOUR RENTERS INSURANCE COVERAGE NEEDS
Typical personal property coverage ranges from $20,000 to $50,000 for most renters' belongings. Go through your unit and add up replacement values for electronics, furniture, clothing and other items to calculate your personal property coverage. You'll also want to get liability limits of $100,000 or more to protect yourself if someone gets injured in your apartment.
How to Find the Best Cheap Renters Insurance in North Dakota
Homeowners should compare multiple insurers while weighing their budget, coverage requirements and service expectations. Getting the right policy means evaluating how these factors align across different North Dakota providers.
- 1Compare quotes from at least three companies
Premiums differ by $50 or more across companies for identical coverage in North Dakota. Get quotes from both national insurers like GEICO and State Farm, plus regional providers that serve the Fargo and Bismarck markets. Don't settle for the first quote you receive, as comparison shopping reveals significant savings opportunities.
- 2Check customer satisfaction ratings and reviews
Low prices aren't worth much if your insurer has poor claims handling or customer service. Research J.D. Power ratings and review complaints filed with the North Dakota Insurance & Securities Department before purchasing coverage. Companies with strong ratings in Grand Forks and Minot often provide better overall value despite slightly higher premiums.
- 3Bundle renters and auto insurance
Insurers give 10% to 25% off when you bundle policies with the same company. State Farm and Allstate offer some of North Dakota's largest bundling discounts, particularly for customers in Williston and West Fargo. Contact your current auto insurer first to see what renters insurance discounts they provide for existing customers.
- 4Ask about available discounts
You can get discounts for alarm systems, smoke detectors and staying claims-free with most insurers. Additional savings may apply for being over 55, having deadbolt locks or completing safety courses. Ask your agent which discounts you qualify for to maximize your savings potential in North Dakota.
Best Cheap Renters Insurance in North Dakota: Bottom Line
State Farm, Farm Bureau, Allstate, American Family and Auto-Owners are North Dakota's best renters insurance companies. Get quotes from several companies to find affordable rates that match your needs. Try the calculator below for personalized quotes depending on your coverage, deductible and credit.
Personalized North Dakota Renters Insurance Rates
Get free renters insurance rate estimates for North Dakota based on your coverage needs. Rates reflect a profile of renters aged 21 to 64 with no prior claims.
Select Coverage Level
Select Deductible
Select Credit Score
Average Annual Premium—
Renters Insurance in North Dakota: FAQ
Common questions about North Dakota renters insurance:
Does renters insurance cover roommates in North Dakota?
Renters insurance covers only the policyholder and their relatives living in the unit. Your roommate needs their own policy to protect their belongings and get liability coverage. Each roommate should buy separate renters insurance with at least $20,000 in personal property coverage.
How much renters insurance do I need in North Dakota?
Most North Dakota renters need $20,000 to $50,000 in personal property coverage and $100,000 in liability protection. Add up replacement costs for your furniture, electronics, clothing and other belongings to calculate your needs. Your landlord may require specific coverage amounts, so check your lease before buying a policy.
How do I file a renters insurance claim in North Dakota?
Contact your insurer immediately after damage occurs or items get stolen. Document the damage with photos and videos before cleaning up. Provide a list of damaged or stolen items with purchase dates and estimated values. Your insurer will assign a claims adjuster to review your case. Most claims get processed within two to four weeks.
Does renters insurance cover hotel stays if my apartment becomes unlivable?
Renters insurance covers temporary housing costs through loss of use coverage if covered damage like fire makes your apartment unlivable. This pays for hotel rooms and restaurant meals while repairs happen. Most policies limit loss of use to 20% to 30% of your personal property coverage amount. Floods and earthquakes aren't covered.
How We Found the Best Cheap Renters Insurance Companies in North Dakota
We analyzed North Dakota renters insurance companies to identify insurers with low rates and reliable service.
We collected quotes for renters aged 26 to 64 with good credit and no claims history. The profile included $20,000 in personal property coverage, $100,000 in liability protection and a $500 deductible.
Affordability determined 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors made our list of North Dakota's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.