Grand Forks has 59,042 residents in 26,171 households. We list 5 insurance agencies in Grand Forks. Here is what the local numbers say about the cover people here need.

Grand Forks at a glance

5insurance agencies listed
53.6%of households rentRenters insurance
$249,900median home valueHome insurance
1984median year homes were builtRebuild cost calculator
8.2%of households have no carAuto 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 Grand Forks County

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

Winter weatherVery High
Ice stormRelatively High

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.

What Grand Forks agencies can write

Share of the 5 agencies listed in Grand Forks that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Grand Forks

How do I find an insurance agency in Grand Forks?

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 Grand Forks?

FEMA's National Risk Index rates inland flooding risk in Grand Forks 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 Grand Forks?

53.6% of households in Grand Forks 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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