The average renters insurance in North Dakota is $190 per year — that's 34% below the U.S. average of $288, the 45th least expensive of 51 states.
| North Dakota average | $190 per year |
|---|---|
| U.S. average | $288 per year |
| Difference | −34% (−$98/yr) |
| Rank (most expensive) | 45th of 51 |
North Dakota sits in the Midwest and ranks 45th of 51 for renters insurance cost. Premiums stay lower thanks to severe storms and harsh winters. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
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The levers that move your rate the most: bundling renters with your car insurance; raising your deductible; asking about security/safety discounts (alarms, deadbolts, smoke detectors); comparing a few carriers — renters policies are cheap but still vary. The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare North Dakota Renters Insurance Rates — Free, 2 Minutes →The average renters insurance in North Dakota is about $190 per year as of 2026 — 34% below the national average of $288 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
North Dakota ranks 45th out of 51 for renters insurance cost. Rates run lower thanks to severe storms and harsh winters.
The fastest levers: bundling renters with your car insurance, raising your deductible, asking about security/safety discounts (alarms, deadbolts, smoke detectors). Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.