This study investigates the sexual and reproductive health (SRH) challenges and access to SRH services among internally displaced persons (IDPs) in two Nigerian states: Benue (North-central) and Kaduna (Northwest). The research focuses on understanding how different contexts and variation in the management of displacement in these contexts influence SRH outcomes for IDPs and use of SRH services within and outside camp settings. We conducted face-to-face survey interviews with 581 sexually active IDPs residing in camps for at least 6 months. The questionnaire covered contraception, gender-based violence, sexually transmitted infection (STI) services, and SRH service utilization. Our findings reveal significant contextual differences between the two states. Benue reported higher rates of transactional sex, while Kaduna had higher rates of intimate partner violence and contraceptive use. SRH service use was generally higher in Benue than in Kaduna. We found statistically higher odds of SRH service use one camp in Benue (β = 2.7; p < 0.001) and significantly lower odds in a camp in Kaduna ((β = 0.1; p < 0.001) in comparison with a camp in Benue. By showing how different approaches may shape displaced persons’ access to SRH services within and outside camps, our study highlights the importance of understanding the nuances in humanitarian contexts in designing responses. This study provides valuable insights into the SRH needs and experiences of IDPs in different Nigerian contexts, informing targeted interventions and policies to improve service provision for displaced populations.