Who Has the Cheapest Renters Insurance Quotes in North Dakota?

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Ryan Friend

September 3, 2019  •  5 min read

North Dakota can be a beautiful state, but it’s residents surely know that nature can be as harmful as it can be serene, and for that reason we would like anyone currently renting an apartment in the state to consider getting renters insurance, to provide themselves with an extra blanket of security should a fire or other disasters occur. And fortunately, it’s quite inexpensive to get a policy in North Dakota, so there’s no excuse to wait around. We even looked into the cheapest companies, so you don’t have to!

Here are the five cheapest renters insurance providers operating in North Dakota:

The Five Cheapest Quotes:

The risk factors aren’t equal across the large state of North Dakota, and everyone’s life situation is just a bit different. Due to this, it’s impossible to be able to determine everyone’s exact quote for each provider, but we are confident that among the following companies you will find your fit.

The number listed next to each provider is the average annual rate for a standard policy.

1) State Farm: $98

Very few providers in very few states are able to offer an average annual rate of less than $100 for a renters insurance policy, yet that is exactly what State Farm can do. If you’re just looking for a policy that will cover the basic threats or are simply needing to fulfill a landlord’s requirement, then get a quote, check to see the numbers add up and don’t look back.

If you’re looking for superior customer service or good water damage or flooding coverage, however, you might want to look elsewhere. People looking for the most robust plan may also want to keep reading.

You can expect the following working with State Farm:

  • A high level of expensive items coverage.
  • Bundles and discounts available that can lower your rate even further.
  • A loss-of-use plan that is one of the best, if not the best, in the industry.

2) Allstate: $137 

Comparable to State Farm in many ways, including its large infrastructure and generally low annual rate, Allstate is a provider of insurance to millions and can give you a general plan that that will satisfy all the standard insurance needs. They are a great choice if you are looking for an option for bundling and GEICO isn’t for you, or if you are looking for an extremely stable provider that can give you solid all-around coverage.

Yet also like State Farm, their customer service isn’t always the best, and you might not get as many customization options as you would hope for. You should also know that rate spikes can occur in certain areas.

You can expect the following working with Allstate:

  • Optional coverages such as water damage, enhanced business property coverage, identity theft, and others.
  • Outstanding water damage and flooding coverages if those are strong threats to your area.
  • A very easy to use and access policy.

3) Amica: $185

A company that values customer service far more than most of its competitors, Amica want to have you as a customer and then keep you as a customer, and most of their actions and offerings revolve around those two goals. An affordable provider with good coverage in the state, you can expect to not have to worry about all the usual suspects and even a few unusual ones, such as guest injury incidents, vandalism, and temporary relocation.

The main downside to working with them is that there aren’t as many customization options, especially compared to companies such as Farmers. Additionally, people have reported rate spikes after their first year or two with Amica, and this fact is worth your consideration.

You can expect the following working with Amica:

  • Optional coverages for things such as smart devices and computers, personal property replacement, identity fraud, and more specific valuable items.
  • Plenty of bundling opportunities and other insurance offerings.
  • An easy claims process.

4) GEICO: $193

In many ways, GEICO seems to be built for bundling, and if you’re looking for multiple plans at once or are open to changing your other insurance providers, GEICO’s discounts and solid reputation makes it a must-look. You might even be able to get further discounts if you’re willing to install some fire prevention and security measures in your place.

Something you will want to know, however, is that GEICO doesn’t always underwrite their renters policies themselves, so looking up who you’ll be working within the event of a claim will be vital. You also might want to see if you think you’ll need flood insurance, as it can be difficult to get through GEICO.

You can expect the following working with GEICO:

  • You will be working with a large and reliable organization.
  • A dedicated team of professionals and agents that will guide you through every step of the process.
  • A great online platform and tools to save you quite a bit of time in addition to money.

5) Farmers: $236

Another provider rooted heavily in providing you with a great customer service experience, the slightly more expensive Farmers also is able to provide you with more customization options than perhaps anyone else providing reasonably priced plans within the state. With them, you’ll be able to modify your deductible and even change some of your coverages based on your perceived level of risk.

Yet as fantastic as they are, there are a few problems. Some people have run into bureaucratic issues, slowing down the entire process. Alternatively, you might not be satisfied by a few of their coverage levels from the get-go.

You can expect the following working with Farmers:

  • Discounts for professionals such as teachers, doctors, and firefighters.
  • Optional coverages including identity theft protection, pet damage protection, better liability coverage, and personal article floaters.
  • A very easy-to-work-with customer service team.


North Dakota residents get a pretty good deal when it comes to renters insurance, and we hope that you take advantage of this fact to make sure that a sudden event doesn’t change the course of your life for the worse. While the choice might be difficult at first, using the above information in conjunction with further research and quote-finding can ensure that you will have a policy that works perfectly for your apartment and family. We wish you nothing but luck in your search.