Bismarck has 75,556 residents in 33,130 households. We list 16 insurance agencies in Bismarck. Here is what the local numbers say about the cover people here need.

Bismarck at a glance

16insurance agencies listed
34.5%of households rentRenters insurance
$300,300median home valueHome insurance
1985median year homes were builtRebuild cost calculator
7.3%of households have no carAuto insurance
7.2%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 in Burleigh County

FEMA rates the overall natural hazard risk in Burleigh County, where most Bismarck agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Ice stormVery High
HailRelatively High
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

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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.

Where Bismarck agencies are

Bismarck agencies we list sit in 3 ZIP codes, mostly in Burleigh County.

585038 agencies
585015 agencies
585043 agencies

Questions

Insurance agencies in Bismarck

How do I find an insurance agency in Bismarck?

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.

What insurance can I get from agencies in Bismarck?

Most often life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Bismarck?

FEMA's National Risk Index rates inland flooding risk in Burleigh County as Relatively Moderate 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 Bismarck?

34.5% of households in Bismarck 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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