Health Insurance Agencies in North Dakota

North Dakota at a glance

• 7health insurance agencies listed
• 37.1%of households rentRenters insurance
• $249,900median home valueHome insurance
• 1982median year homes were builtRebuild cost calculator
• 5.9%of households have no carAuto insurance
• 6.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across North Dakota

How many of North Dakota’s 53 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Winter weather20 of 53 counties

  Very High in Burleigh County, Cass County, Ward County and 3 more.

• Ice storm9 of 53 counties

  Very High in Cass County, Burleigh County.

• Hail3 of 53 counties

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in North Dakota
• Strong wind1 of 53 counties

  Very High in Cass County.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in North Dakota

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in North Dakota

North Dakota requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires personal injury protection ($30,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). North Dakota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in North DakotaHow much liability cover do you need?

Source: ndlegis.gov. Checked 2026-10-24.