Insurance agencies · Minnesota
Insurance Agencies in Thief River Falls, MN
Local agencies in Thief River Falls for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Thief River Falls
Thief River Falls has 8,823 residents in 4,198 households. We list 2 insurance agencies in Thief River Falls. Here is what the local numbers say about the cover people here need.
Thief River Falls at a glance
- 2insurance agencies listed
- 36.3%of households rentRenters insurance
- $175,400median home valueHome insurance
- 1972median year homes were builtRebuild cost calculator
- 7.6%of households have no carAuto insurance
- 5%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.
Car insurance rules in Minnesota
Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota 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 MinnesotaHow much liability cover do you need?
Source: revisor.mn.gov. Checked 2026-10-24.
Questions
Insurance agencies in Thief River Falls
How do I find an insurance agency in Thief River Falls?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Thief River Falls?
FEMA's National Risk Index rates inland flooding risk in Pennington County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Thief River Falls?
36.3% of households in Thief River Falls rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
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.
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