Insurance Agent Terry Richter

Terry Richter


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Office Details:

Street Address:

201 N 19th Street
Bismarck, ND 58501-4747


10 blocks east of St. Alexius Hospital

Office Hours (CST):

Mon-Fri 8:30am to 5:00PM
Evenings & Saturday by Appt


Toll Free:






Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.
Number one in customer satisfaction with the auto insurance shopping experience among large insurers. Tied in 2021. For JD Power 2021 award information, visit .

Auto Insurance

Buckle up with State Farm, and get auto insurance in Bismarck, ND that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Terry Richter in Bismarck, ND will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Bismarck, ND. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Terry Richter in Bismarck, ND will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Bismarck, ND. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Terry Richter in Bismarck, ND about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Bismarck, ND. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Terry Richter in Bismarck, ND to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Terry Richter in Bismarck, ND will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Bismarck, ND. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Terry Richter in Bismarck, ND to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


Banking, your way. When, where, and how you want. When you're looking for help to achieve your financial goals, we want to be your first and best choice in Bismarck, ND. Thanks to an alliance between U.S. Bank® and State Farm®, now, you'll be able to apply for U.S. Bank Checking, Savings, CDs and Retirement CDs online or through your local State Farm agent.

Talk with Terry Richter in Bismarck, ND to get more information about available U.S. Bank banking products.

Call or email an agent for product information.


Let State Farm® support your financial future with an investment through annuities in Bismarck, ND. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Terry Richter to get more information about annuities in Bismarck, ND that support your financial goals.

Call or email an agent for investment information.

Mutual Funds

Invest in your future and help meet your goals with State Farm® Investment Planning Services. You’re offered a variety of account types and multiple investment products. Feel free to check the investment firm or professional’s background at FINRA's Broker Check®.

Talk with Terry Richter to get more information about mutual funds in Bismarck, ND and financial opportunities.

Call or email an agent for investment information.

Pet Insurance

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion® – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask Terry Richter in Bismarck, ND about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • State Farm Agent since 1994
  • Focusing on Relocation
  • University of Mary Bismarck - MA, Management
  • Mary College BS, Business Administration
  • President's Club Trophy Winner
  • Life Time President's Club Member
  • Life Century Club
  • National Association of Insurance & Financial Advisors
  • Second Generation State Farm Agent
  • Chairman's Circle
  • Adjunct professor University of Mary

Our Mission:

Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
Our Mission Photo

Our Team:

Team Member Profile Photo Chris Miller
Chris Miller
Office Manager
Hi, I am Chris, I am the General Manager here at the Terry Richter Insurance Office. I am a Native to Colorado but have been proud to call North Dakota home since 2015. I attended Colorado State University and have over 10 years in management experience. My goal is to ensure our office is your first choice for all of your Insurance needs. We do this by establishing a personal relationship with you and helping you understand the risks you face everyday.
Team Member Profile Photo Mathew Gawarecki
Mathew Gawarecki
Customer Service Manager
Hi, my name is Mathew and I have been with the Terry Richter Agency since January of 2016. I am from Minnesota but ended up in North Dakota for school and graduated from the University of Mary. I am here to help with any questions or needs you may have. Go Twins and Vikings!
Team Member Profile Photo Bree Fode
Bree Fode
Office Representative
Hi, my name is Bree and I have been part of the Terry Richter Agency family since February of 2016. I was born and raised here in the Bismarck/Mandan area so am proud to be back here and serving this growing community. I have over 25 years of experience in management and customer service/support working for a software company in Redmond, WA. I am here to help with all of your Auto Insurance, Home Insurance, Renters Insurance, Flood Insurance, Commercial Insurance and Financial Service needs.
Team Member Profile Photo Megan Richter
Megan Richter
Office Representative
I have been part of the Terry Richter Agency family since birth but have officially been on the payroll since September 2016. After moving out of state for 12 years, I am proud to once again call North Dakota home. I am a multi-line representative with a focus on new business.
Team Member Profile Photo Clem Gerhardt
Clem Gerhardt
Account Manager
I'm committed to providing the personal guidance and support you need in pursuing your financial goals. Talking with someone you know and developing a relationship with that person can make exploring these less daunting.
Team Member Profile Photo Katrina Richter
Katrina Richter
Office Representative
Hi, my name is Katrina. I have been with our team for over 12 years and have enjoyed working with families like you. My primary role in our office is marketing, organizing the agency events, ie - Motorcycle Fun Run, Night at the Symphony and the Family Fun Night at Sertoma Park. I also assist with your questions involving your household information, billing questions and appointments. I look forward to visiting with you soon.
Team Member Profile Photo Brock Vance
Brock Vance
Team Member Profile Photo Michael Angsten
Michael Angsten

Agent's Credentials and Licenses:



Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on Read it carefully. AP2021/08/1329

Securities distributed by State Farm VP Management Corp.

Securities Supervisor address:1018 Burlington Ave Ste 203 , Missoula, MT 59801-5666 Phone: 406-531-6606

Deposit products offered by U.S. Bank National Association. Member FDIC.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit For additional information and disclosures concerning Pet insurance please see Pet Insurance From State Farm® and Trupanion®. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products.  State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.