Cheap Car Insurance in Bismarck, ND
In the market for auto insurance in Bismarck? At AutoInsuranceEZ.com, you’ll find the lowest priced insurance rates where you live. To receive free car insurance rates offered by the top providers right now, enter your zip code in the quote box in this posting.
Bismarck was originally founded back in the early 1800’s when Lewis and Clark used it as a jumping off point for their renowned expedition across the United States. And to this day, the city is still a popular spot for nature lovers to go boating, canoeing, biking, or hiking. Bismarck is also the capital city of North Dakota.
- Fun fact: are we there yet? Because Bismarck is #1 on the list of “Top 100 cities with shortest commuting times (pop. 50,000+)”.
Auto Insurance Coverage Requirements in North Dakota
Driving legally in Minot requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||25,000||100,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Underinsured Motorist Bodily Injury||Not required||100,000/300,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain Comprehensive and Collision coverage. Otherwise, you’ll probably be free to buy the bare minimum state mandatory limits.
Did you know that the average monthly payment for motorists in North Dakota can be as high as $143 per month? However, in Bismarck, you can get insured for as low as $28/mo* of you know how to play your cards right.Average Monthly Auto Insurance PremiumsLegend: BismarckState Auto Liberty Mutual State Farm Allstate5 10 15 20 25 30$22$26$30$33
As you can see, the most competitive rates being offered in Bismarck right now are from Liberty Mutual and State Auto. However, there are other factors at play, such as customer service and ease of claim filing. Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.
Auto insurance carriers evaluate numerous variables when determining insurance rates, particularly gender, driving violations, occupation, education, and theft protection devices. Also keep in mind that premiums differ from company to company. To make sure you are still receiving the best rate, examine cheap Bismarck auto insurance price quotes online.
>h2>Major Car Insurance Factors in Bismarck
At the time your auto insurance provider prepares to craft your insurance policy, they take numerous aspects into account. Some, for example how old you are or your particular address, tend to be very unlikely to vary. Here are various other examples:
Your Zip Code
Where you park your car each night will likely have a serious influence on your car insurance rate. Usually, car insurance is less expensive in non-urban locations simply because a lesser number of automobiles means a reduced likelihood that you’ll get in an accident with some other vehicle. The population of Bismarck is 67,034 and also the common family earnings are $56,545.Auto Insurance by Zip CodeLegend: Bismarck Fargo Minot Grand Forks West FargoState Auto Liberty Mutual State Farm Allstate5 10 15 20 25 30 35$22 $22 $23 $21 $22$26 $30 $27 $25 $30$30 $32 $33 $27 $32$33 $36 $32 $34 $36
Thankfully, the rate of serious accidents in Bismarck is very low, as the chart above shows. This is also good news because areas with fewer accidents automatically see discounts in monthly insurance premiums.Fatal Accidents in Bismarck, NDLegend: BismarckFatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents1 21212
Auto Thefts in Minot
Acquiring low-cost auto insurance can be hard should you be at risk for auto theft. Specific trendy vehicle models usually are appealing to thieves, and also automobiles which might be parked often in big cities. The total quantity of stolen cars in Bismarck was 107 back in 2013. If you’re worried about auto theft, make sure you have some sort of Comprehensive coverage on your auto policy.Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive CoverageState Auto Liberty Mutual State Farm Allstate10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 190$22 $106$26 $190$30 $87$33 $137
Your Credit Score
You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make. For some companies, your monthly premium could skyrocket by 75% or more if you are currently suffering from a poor credit score.Auto Insurance by Credit ScoreLegend: Excellent Credit Poor CreditState Auto Liberty Mutual State Farm Allstate5 10 15 20 25 30 35 40 45 50 55$20 $40$26 $26$25 $56$28 $46
The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.Auto Policy Age ComparisonLegend: 34 Year Old 17 Year OldState Auto Liberty Mutual State Farm Allstate10 20 30 40 50 60 70 80 90 100 110 120$22$26 $87$30 $100$33 $127
Your Driving Record
The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault AccidentState Auto Liberty Mutual State Farm Allstate5 10 15 20 25 30 35 40 45 50$22 $30 $40 $31$26 $26$33$30 $33 $33 $37$33 $36 $50 $39
Thinking about purchasing insurance for a luxury vehicle? If you can afford it, go right ahead – but keep in mind that you will need an equally luxurious insurance policy to keep yourself protected from accident- and theft-related expenses. Economical cars, on the other hand, don’t require as much coverage, and therefore have lower monthly rates.Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster SpyderState Auto Liberty Mutual State Farm Allstate20 40 60 80 100 120 140 160 180 200$22 $118$26 $210$30 $110$33 $218
Minor Car Insurance Factors in Minot
In North Dakota, as well as in many other states, you might be able to squeeze out some additional discounts by looking into these factors below:
Your Marital Status
For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.
Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.
Your Driving Distance to Work
It’s easy to see why Bismarck is rated #1 for short commute times, since the average trip usually only lasts 13-17 minutes (while commute times over 25 minutes are virtually unheard of). Around 83% of drivers will take their own vehicle to work alone, while 10-17% will likely carpool.
Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.
Your Coverage and Deductibles
Trying to save money every month on your insurance? Many drivers achieve this goal by purchasing less coverage. But you can also purchase a few extra coverage benefits and offset the monthly cost for yourself by raising your deductible. Just make sure you put a little money away, should you need to shell out the cash in the event that you need to file a claim.
Education in Minot, ND
23% of those living in Bismarck have successfully completed all requirements for their high school diploma (or equivalent thereof). However, with the growing popularity of college attendance, car insurance providers have begun offering discounts to motorists who have gone further with their educational goals. So if you’re one of the 21% of residents in Bismarck with a college degree, you could be in for some real savings!
Bismarck has several different institutions of higher learning to choose from. For starters, there is Bismarck State College which offers two-year degrees in vocational or technical programs and preps students for a bachelor’s degree at a four-year university. For a more specialized degree, you can look into the University of North Dakota Graduate Center or the UND School of Medicine. Read up on Bismarck by visiting here.
Locating inexpensive auto insurance might end up being a headache. There’s a lot of information you need to think about, and determining how insurance providers assess your potential risk can be complex. But try not to permit the wrong insurance agency to convince you to sign up for an expensive policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
You can easily calculate YOUR car insurance risks simply by putting in Zip Code into the calculator below.