North Dakota Renters Insurance

Average Renters Insurance Cost in North Dakota

Renters in North Dakota pay an estimated $118 per year ($10/month) for a standard policy, based on 2026 industry average data.

Renters Insurance Rates by City in North Dakota

What Makes North Dakota Renters Insurance Unique

North Dakota is consistently ranked among the least expensive states for renters insurance, thanks to low population density and infrequent catastrophic weather claims relative to its harsh winters.

Risk Factors Specific to North Dakota

Underwriters in North Dakota weigh a generally low frequency of weather and crime-related claims more heavily than in lower-risk states when pricing renters policies.

Renters Insurance Compared With Rent in North Dakota

The median gross rent in North Dakota was $980 a month in 2024 (U.S. Census Bureau, American Community Survey), 34% below the national median of $1,487. Against that, our estimated renters premium of $118 a year — about $10 a month — equals roughly 12% of one month’s rent for a full year of coverage, above the middle share among the 50 states in our estimates.

The Coverage Detail That Matters Most in North Dakota

North Dakota’s low weather and crime risk is why premiums are modest, which makes it cheap to raise limits. Liability coverage — which pays if a guest is hurt in your unit or you accidentally cause damage, such as an overflowing tub flooding the unit below — often costs only a few dollars more per year to raise from $100,000 to $300,000.

Frequently Asked Questions

Is renters insurance required in North Dakota?

No. No U.S. state, including North Dakota, legally requires tenants to carry renters insurance. That said, individual landlords and property management companies in North Dakota can — and often do — require proof of a policy as a lease condition, especially for larger apartment complexes.

How much does renters insurance cost in North Dakota?

Renters in North Dakota pay an estimated $118 per year ($10/month) for a standard policy, based on 2026 industry average data. Actual premiums vary based on coverage limits, deductible, credit history (where allowed), claims history, and the specific building or neighborhood.

Can insurers use your credit score to set renters insurance rates in North Dakota?

Yes. North Dakota allows insurers to factor in your credit-based insurance score when calculating renters insurance premiums, alongside coverage limits, claims history, and location. Renters with stronger credit typically qualify for lower rates from most carriers.

What's the biggest renters insurance risk factor in North Dakota?

In North Dakota, the state has comparatively low weather and crime risk, which is the main reason renters insurance here is among the most affordable in the country. Even at this price point, basic protection against fire, theft, and liability remains worthwhile.

How much is renters insurance compared with rent in North Dakota?

With a median rent of $980 a month (2024) and an estimated premium of $118 a year, a full year of renters insurance in North Dakota costs roughly 12% of one month's rent.

*No U.S. state legally mandates renters insurance, though individual landlords may require it as a lease condition. The information on this page is provided for general informational purposes only and reflects estimated industry averages as of 2026. Insurance rates change periodically; always verify current pricing with a licensed insurance professional. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.