North Dakota has 784,841 residents. We list 5 agencies for inland marine insurance in North Dakota. Here is what the local numbers say about the cover people here need.

North Dakota at a glance

5inland marine 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 Dakota How much liability cover do you need?

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

Questions

Inland Marine insurance in North Dakota

All insurance agencies in North Dakota · Inland Marine insurance in every state

Where can I find inland marine insurance in North Dakota?

Pick your city in the list on this page to see every agency there that offers inland marine insurance, or search by name or ZIP code.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

For insurance agencies

Is your North Dakota agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing