Real People. Real Coverage. Real Conversations, Even the Tough Kind!

DJ Colter is a captive agent with Independent Avenues

You are not just another policy with us. We help all walks of life: individuals, families, businesses, and farmers, focusing on their world. Because of DJ's educational background, he focuses on an education-first mindset by leading with questions to help identify what really matters to you. It's not just another policy, but a plan. Risk management isn't one-size-fits-all. Our job is to help you understand which coverages apply and where there may be gaps to ensure that everything you have worked for is protected not only for today, but when you need it most. Whether you're just getting started or have years under your belt, we'd love to help you protect what matters!

Let's Win Together

We are here to educate, empower, and equip our clients to make decisions that make the most sense for their life. We start by taking insurance up a notch, by unlocking a space for elite coverage conversations, understanding the why, and taking the time to ask the right questions. We can put a plan into action and play out possibilities. We WIN when our clients come in with questions and leave with answers. We WIN when our agency is the first to hear about the exciting life changes (new car, first home, and first-born child). We CELEBRATE with you by watching your dreams come true. All that said, we take the time to focus on the details because you matter most.

What Makes the FM Area Special to DJ?

In July of 2003, when DJ moved here for a job, he didn't know anyone. Honestly, he figured it would be a pit-stop, on his way into a management or leadership position somewhere else. But he never left because of the people. The communities of Fargo, West Fargo, Horace, and the greater metro area gave him a chance as an "outsider" to learn about the people and the culture. Through many years of getting to know people and community involvement, he learned that this is where he needs to be. The people, culture, and community resounded with his core principles. What a blessing to have landed in the Midwest, with the very best.

Fun fact: We operate all five lines of insurance in 25 US states, with over 10,000 policies in force.

3 Things That Set Us Apart in the Insurance World

1. We're a captive agency with independent avenues. In today's market, this is the best of both worlds. This is what every consumer wants.

2. Our team brings 100+ years of combined experience. With our 12 staff members, we share a combined history of 100+ years in the insurance field. This serves as living proof of our service, showcasing our expertise through real-world situations, coverage highlights, and a competitive edge. We have seen it.

3. We operate as a team business model. Like an ESOP (profit sharing amongst all), this benefits the client because we are all on the same team with the common goal of helping everyone. We foster an environment where everyone is invested in the outcome.

DJ Colter Agency, Inc.

(701) 235-6641

teamcolter@amfam.com

Instagram: @djcolteragency

LinkedIn: /djcolter

Home – Auto – Life – Farm – Business

FAQ Section

Q: What makes DJ Colter Agency different from a typical insurance agency? A: DJ Colter Agency operates as a captive agency with independent avenues, combining dedicated carrier support with the flexibility to shop around, backed by a team with over 100 years of combined insurance experience.

Q: What types of insurance does DJ Colter Agency offer? A: Home, auto, life, farm, and business coverage, tailored through an education-first approach that identifies coverage gaps before they become problems.

Q: Where is DJ Colter Agency located? A: 4215 31st Ave S Ste B in Fargo, serving Fargo, West Fargo, Horace, and the greater metro area.

AL Hanninen, Service Team Member, DJ Colter Agency

DJ Colter Agency: Real People, Real Coverage in Fargo