The Best Cheap Renters Insurance in North Dakota

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.

Cheapest renters insurance companies in North Dakota

The cheapest renters insurance in North Dakota is from Allstate, which has an average rate of $11 per month. Farmers is the most expensive, which has an average price of $22 per month. That's nearly double the typical price from other companies.

North Dakota renters insurance is 22% cheaper than the typical price nationally. Across the country, renters insurance costs about $18 per month, on average.

Cheapest renters insurance companies in North Dakota

Best renters insurance for most people: Nationwide

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:

Cheapest renters insurance company: Allstate

Allstate has the best renters insurance for North Dakotans focused on finding the lowest rates possible. Allstate offered the lowest prices 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.

But Allstate's customer service was not as good as its competitors. It receives about 27% more complaints than an average insurer, according to the NAIC.

Best-rated renters insurance: Amica

For North Dakota renters willing to spend a bit more for a strong customer experience, consider Amica. It's only a few dollars more per month than the cheapest companies, 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 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

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.

Best renters insurance companies 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.

Frequently asked questions

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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.

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.