Scott Karsky

Welcome to our State Farm agency!

Welcome to our State Farm agency! My name is Scott Karsky, and I’m proud to call Dickinson, ND home. As a lifelong Dickinson native, I care deeply about this community and the people who live here. I bring 30 years of experience in the insurance industry and 23 years as a State Farm agent, and that background shapes how I show up for customers every day—with consistency, accountability, and a focus on real-world needs. Being involved locally has always mattered to me. Served for 12 years on the Dickinson Park Board and recently retired as president for the past 4 years. I’m also a proud U.S. Army veteran and an active member of the American Legion. These experiences have reinforced the importance of service, responsibility, and looking out for others—values I carry into my work at the agency. At our office, relationships come first. We take the time to understand what matters most to you and help you prepare for life’s changes with coverage options that make sense for where you are today. Whether you’re looking into Auto insurance for everyday driving, Homeowners insurance to protect where you live, or Life insurance to help support the people who depend on you, we’re here to walk through your options and answer questions along the way. You’ll also find a knowledgeable, approachable team ready to help. Drew, Jace, Sam, and Holly work alongside me to make transitions smooth and conversations straightforward, so you feel confident moving forward. If you’re looking for an insurance agency rooted in Dickinson, ND and committed to long-term relationships, I invite you to stop by our office or reach out to connect with us.

Frequently Asked Questions (FAQs)

Q: What's an effective way to get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Looking for coverage? Talk with Scott about your options in Dickinson.

Q: How soon can I get insured for my car?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. For personalized coverage in Dickinson, ND, reach out to Scott.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Scott is proud to serve the Dickinson community.

Q: Do you need to carry insurance on your home?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Serving Dickinson and the surrounding area, Scott can help answer your questions.

Q: What's included in renters insurance coverage?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Have questions? Scott in Dickinson can walk you through your options.

Q: How does life insurance work at a basic level?

A: Life insurance is a way to help take care of the people you love financially. It can provide support to your beneficiaries to help cover things like everyday expenses, debts, or future needs, depending on the coverage you choose. Scott works with Dickinson residents to find coverage that fits.