Renters Insurance Cost in North Dakota (2026 Average)
North Dakota renters paid about $117 a year on average in the NAIC 2021 baseline, about $53 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives North Dakota renters insurance costs
North Dakota renters paid about $117 a year on average in the NAIC 2021 baseline, about $53 less than the $170 US average.
Weather exposure is a major driver here: severe winter weather and occasional hail shape claims.
Claim frequency and litigation also matter: claim frequency is low.
Replacement costs and carrier competition round out the picture: replacement costs are moderate, and a thin carrier market keeps the average below the national baseline.
How North Dakota compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| North Dakota | $117 | −$53 |
| United States (national average) | $170 | baseline |
| Minnesota | $139 | −$31 |
| South Dakota | $130 | −$40 |
| Montana | $130 | −$40 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.