Cheap Car Insurance in Grand Forks, ND

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you in need of auto insurance in Grand Forks? At, you could find the most affordable insurance rates close to you. In order to obtain free car insurance quotes offered by the top providers now, key your zipcode into the quote box here.

Grand Forks came about thanks to a bounty of agricultural resources and geography. The fertile land made farming lucrative during the 1800’s, and the convenience of water transport along the Red Lake River and also the Red River brought farm goods to market quickly and easily. Today, the local economy has diversified to include the arts, the national defense, and various commercial businesses.

  • Fun fact: did you know that Grand Forks is the 3rd largest city in the state of North Dakota?

Auto Insurance Coverage Requirements in North Dakota

Driving legally in Grand Forks requires:

Coverage Requirements Most Common
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

Keep in mind that these are requirements and suggestions. The actual level of coverage you may need will depend on additional factors, such as your vehicle, the age of your vehicle, and how much you have to spend on insurance each month.

There are some parts of North Dakota where motorists can pay as high as $143 per month for auto insurance. But in Grand Forks, you can get your policy for as low as $27/mo*! We'll show you how here in this article.

Average Monthly Auto Insurance Premiums Legend: Grand Forks State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 $21 $25 $27 $34

As you can see, State Auto and Liberty Mutual have some of the lowest rates around. But insurance isn't all about premiums. Customer service is important, as well as the claims filing process. Make sure you do your research and find the company that's right for you.

Auto insurance providers consider many variables when figuring out insurance prices, which includes marital status, driving violations, occupation, years of driving experience, and multiple cars and drivers. Also keep in mind that premiums might vary from business to business. To find out if you are still paying the most affordable premium, compare cheap Grand Forks auto insurance price quotes via the internet.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Major Car Insurance Factors in Grand Forks

There are lots of ways in which your car insurance rate can be determined. But not all of it is out of your control; there are things you can do in order to control what discounts you are entitled to obtain. Listed here are a few of these factors in greater detail:

Your Zip Code

Budget friendly car insurance is usually associated with cities which have a lesser population density. Because there are less automobiles on the streets, you will find a lesser number of opportunities to get involved in a significant wreck with another driver. The population of Grand Forks is 54,932 plus the general family earnings are $45,762.

Auto Insurance by Zip Code Legend: Bismarck Fargo Minot Grand Forks West Fargo State Auto Liberty Mutual State Farm Allstate 5 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

Automotive Accidents

Going by the statistical data in the chart below, it appears as though serious accidents aren't too common in Grand Forks. This is good news for multiple reasons, including the fact that low accident rates automatically lower automotive insurance premiums.

Fatal Accidents in Grand Forks, ND Legend: Grand Forks Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 2 4 1 2 4


Auto Thefts in Grand Forks

Acquiring cheap auto insurance can be hard should you be at risk for auto theft. Specific popular automobile models tend to be popular with thieves, as well as cars or trucks that are parked typically in huge urban centers. The full quantity of thieved vehicles in Grand Forks was 68 as recently as 2013. Just remember that, should you need to file an auto theft claim, your provider will only pay out if you have Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Auto Liberty Mutual State Farm Allstate 15 30 45 60 75 90 105 120 135 150 165 $21 $64 $25 $165 $27 $77 $34 $108

Your Credit Score

Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. As this chart clearly demonstrates, having a poor credit score can almost double what you pay each month to remain insured.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 40 45 $19 $39 $25 $25 $22 $49 $29 $47


Your Age

Young drivers are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Auto Liberty Mutual State Farm Allstate 15 30 45 60 75 90 105 120 135 $21 Do Not Sell $25 $83 $27 $89 $34 $141

Your Driving Record

Low-risk drivers tend to have blemish-free (or nearly perfect) driving records, so insurance companies tend to charge them lower rates each month. If your record is less than perfect, you should ask your insurance agent about "accident forgiveness" discounts to see if you can save money. For more serious violations, however, your rates might go up significantly - or your provider may refuse to cover you all together.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 40 45 50 $21 $29 $38 $30 $25 $25 Do Not Sell $31 $27 $30 $30 $33 $34 $37 $53 $40


Your Vehicle

Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart above, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Auto Liberty Mutual State Farm Allstate 20 40 60 80 100 120 140 160 180 $21 $103 $25 $182 $27 $97 $34 $159


Minor Car Insurance Factors in Grand Forks

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 individual policies, marital status will only alter the cost of your policy by 2-3%, if at all. However, married couples can get big discounts by bundling their policies together. And if you have homeowner's or renter's insurance, you can save even more by bundling those, too.

Your Gender

No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don't know who is better at driving. That's why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.

Your Driving Distance to Work

Typical work commutes aren’t too bad, usually ranging between 11-18 minutes. However, commutes as short as 5-10 minutes have also been reported. Approximately 78% of drivers will use their own vehicle in order to get to work each day, while another 3-14% will carpool.

Most people believe that if you drive more miles on an annual basis, you'll be charged more for your insurance rates. While some companies might charge more, others don't. The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more per month in premiums.

Your Coverage and Deductibles

As is with most forms of insurance, the more coverage you purchase, the more you will pay in premiums each month. Also, keep in mind that higher deductibles will save you money on your monthly premium - however, it will be more expensive to get your vehicle fixed in the event of an accident.

Education in Grand Forks, ND

Nearly one-quarter of residents in Grand Forks have obtained a high school diploma or equivalent, while another 20% also have at least one year of college experience. But did you know that a higher education can also mean lower car insurance rates? Recent studies have shown that providers often give discounts to drivers who have advanced degrees.

Grand Forks is home to the University of North Dakota, one of the largest public universities in all of the Midwest (and the largest university in the state). With over 180 fields of study to choose from, UND is sure to have a program for any student looking to improve their education. Uncover more about Grand Forks here.

Defining your own financial risk can be very challenging or unachievable for the standard insurance shopper. Insurance agencies have got an edge on consumers because of their studies and experiential knowledge. Learn the things that insurance agencies don’t expect anyone to be aware of.

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.


North Dakota Insurance Department

North Dakota Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

You can easily calculate YOUR car insurance risks simply by putting in Zip Code into the calculator below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption