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Insurance in Minot, North Dakota
Compare auto, home, life, and business coverage in Minot from top-rated carriers. Get a free quote from a licensed VKOVR advisor.
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Top coverage options
Liberty Mutual
Estimated premium
$142/mo
Review quoteState Farm
Estimated premium
$158/mo
Review quoteAllstate
Estimated premium
$171/mo
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Illustration only — real quotes vary by profile and location.
Insurance in Minot, North Dakota
Minot sits in north-central North Dakota with an economy anchored by Minot AFB, Trinity Health, BNSF rail, ag, and energy (Bakken-adjacent oil and gas services). The 2011 Souris River flood reshaped parts of the city and remains a touchstone for local property risk.
Minot insurance work centers on Souris River flood coordination, severe winter-storm and hail exposure, ND's mandatory no-fault PIP plus UM/UIM at 25/50, Minot AFB defense-contractor commercial lines, and Bakken-adjacent oil-field workers' comp through WSI. VKOVR advisors help Minot households place flood, evaluate PIP adequacy, and coordinate oil-field commercial and cargo policies.
Insurance Products in Minot
Local Risks and Conditions in Minot
Souris (Mouse) River flood exposure — 2011 flood as reference; NFIP or private flood required across large portions of Minot.
Bakken-adjacent oil-field commercial auto, cargo, and workers' comp (through WSI) class codes drive distinctive pricing.
Severe winter storms and hail drive percentage-deductible terms on HO3 policies.
Minot AFB economy and defense-contractor supply chain generate unique commercial-coverage needs.
More Cities in North Dakota
Explore insurance coverage and local context in other North Dakota cities.
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