North Dakota has 784,841 residents. We list 22 agencies for life insurance in North Dakota. Here is what the local numbers say about the cover people here need.

North Dakota at a glance

22life 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.

Insurance companies North Dakota agencies work with

Of the 22 North Dakota agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide8 agencies
Corebridge (AIG Life)6 agencies
Pruco Life Insurance Company6 agencies
Gerber Life Insurance Company5 agencies
Pacific Life Insurance Company5 agencies
American Family Life Insurance Company4 agencies
Ameritas Life Insurance4 agencies
Centene4 agencies
Humana4 agencies
Liberty Mutual4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Life insurance in North Dakota

All insurance agencies in North Dakota · Life insurance in every state

Where can I find life insurance in North Dakota?

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

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do North Dakota agencies work with?

Among the 22 North Dakota agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (8), Corebridge (AIG Life) (6), Pruco Life Insurance Company (6), Gerber Life Insurance Company (5), Pacific Life Insurance Company (5). An appointed agency can quote that company's policies.

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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