Life Insurance Agencies in Bismarck, ND

Bismarck at a glance

• 3life insurance 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 DakotaHow 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.

• 585011 agency
• 585031 agency
• 585041 agency