Northern State Agency

We are proud to be a locally owned Independent Insurance Agency located in Thief River Falls, MN.

Our staff is here to help you protect everything that is important to you by working with a variety of reputable insurance carriers that allow us to provide you with individually tailored coverages.


Your home is one of your biggest investments.  Let us help you protect it.

  • Home, detached structures and personal property
  • Personal liability
  • Valuables such as jewelry, firearms, musical instruments, hearing aids, and photography equipment


Vehicles are important in our day-to-day lives. Whether yours takes you to work or school or is for your pleasure use, let us review your coverages and give you options on how to set up a program that protects you and fits your budget.

  • Liability and Full Coverage options to fit your individual needs
  • Pay-in full and monthly payment options

Recreational Vehicle

Owning a Recreational Vehicle is about enjoying life.  Let us help take the stress out of protecting your toys so you can make the most out of every adventure.

  • Boats & Trailers
  • ATVs
  • Snowmobiles
  • Motorcycles & Scooters

Business & Commercial

You work hard to protect your employees and serve your customers.  Let us help you protect your business with coverage solutions that specifically meet your business needs.

  • Property insurance
  • Liability
  • Workers’ Compensation
  • Commercial auto


We offer coverages regulated through the National Flood Insurance Program (NFIP) to help you protect your building and personal property in a direct physical loss caused by a flood.

Farm & Crop

Whether you are managing a large-scale farm operation or carrying on a family tradition on a small hobby farm, we can provide you with property and liability exposure needs.

  • Dwelling & household personal property
  • Farm personal property & tools
  • Outbuildings such as barns, grain bins, and shops
  • Farm equipment & machinery
  • Farm liability
  • Crop insurance

Federal Non-Discrimination Statement

Note: Insurance products are not a deposit, not insured by a Federal Government Agency, not guaranteed by the bank, and may go down in value.

  • 201 East Third Street
  • Thief River Falls, MN 56701
  • (218)681-4042
  • (218)681-8388 fax