How Much Does Renters Insurance Cost in Bismarck, ND?
Bismarck pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Bismarck's diversified economy.See our methodology
Renters Insurance Pricing in Bismarck, ND
Bismarck is one of the more affordable markets for renters insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 75K-population metro area is straightforward.
Local climate plays a direct role in renters insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Bismarck: moderate cost of living keeps contractor rates affordable.
Bismarck has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Bismarck vs National Average
What Affects Renters Insurance Cost in Bismarck?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Bismarck Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Renters Insurance Pros in Bismarck, ND
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Tips to Save on Renters Insurance in Bismarck
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Bismarck Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Bismarck
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Bismarck than other cities?
Bismarck's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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