Compare Bismarck, ND Car Insurance Rates (2021)

Car insurance in Bismarck, ND averages $336 a month. Bismarck, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bismarck car insurance rates, compare quotes from the top car insurance companies in Bismarck, ND.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

Here's What You Need to Know

  • Average car insurance rates in Bismarck, ND after a DUI are $4,830/year
  • Average car insurance rates in Bismarck, ND are $4,036/year
  • The cheapest car insurance company in Bismarck is USAA

If you need to buy Bismarck, North Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Bismarck, ND is right here.

You’ll find Bismarck car insurance rates, the cheapest Bismarck, ND car insurance companies, and information on North Dakota car insurance laws. You can also compare Bismarck, North Dakota car insurance rates to Williston car insurance rates, Grand Forks car insurance rates, and Watford City car insurance rates.

Ready to find affordable Bismarck, ND car insurance today? Enter your ZIP code for fast, free Bismarck car insurance quotes.

Cheapest Bismarck, ND Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bismarck, ND car insurance rates? Every Bismarck, North Dakota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bismarck, North Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,922 $2,968 $2,552 $2,718 $10,585 $12,334 $3,275 $3,564
American Family $2,627 $2,627 $2,382 $2,382 $5,680 $8,173 $2,627 $3,065
Farmers $1,687 $1,653 $1,503 $1,570 $6,273 $6,432 $1,916 $2,013
GEICO $1,884 $1,867 $1,616 $1,634 $3,772 $4,721 $1,703 $1,857
Liberty Mutual $6,530 $7,048 $5,251 $6,372 $26,672 $29,757 $6,807 $7,437
Nationwide $1,784 $1,821 $1,604 $1,704 $4,174 $5,133 $2,053 $2,175
Progressive $1,961 $1,861 $1,595 $1,651 $7,419 $8,278 $2,410 $2,438
State Farm $1,454 $1,454 $1,304 $1,304 $4,330 $5,452 $1,635 $1,863
USAA $1,071 $1,063 $876 $876 $3,708 $4,470 $1,542 $1,670

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Bismarck, ND

Every driver must carry the minimum car insurance in Bismarck, ND. Take a look at the North Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Bismarck, North Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Bismarck, ND Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bismarck, ND. Compare credit history car insurance rates in Bismarck from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bismarck, North Dakota

Insurance Company Poor Fair Good
Allstate $6,424 $4,905 $4,015
American Family $4,868 $3,373 $2,845
Farmers $3,324 $2,728 $2,591
GEICO $2,848 $2,295 $2,002
Liberty Mutual $17,364 $10,431 $8,158
Nationwide $3,102 $2,433 $2,132
Progressive $3,972 $3,335 $3,048
State Farm $3,286 $2,089 $1,672
USAA $2,634 $1,671 $1,425

Cheapest Bismarck, ND Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bismarck, ND to rates for a clean record with top companies.

Annual Bismarck, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,205 $4,598 $6,837 $4,819
American Family $2,702 $3,858 $5,130 $3,091
Farmers $2,426 $3,104 $3,064 $2,930
GEICO $1,390 $2,308 $3,595 $2,234
Liberty Mutual $10,625 $12,018 $13,021 $12,273
Nationwide $1,902 $2,603 $3,565 $2,154
Progressive $3,183 $3,933 $3,222 $3,469
State Farm $2,149 $2,549 $2,349 $2,349
USAA $1,357 $1,922 $2,685 $1,675

Cheapest Bismarck, ND Car Insurance for Teen Drivers

Teen car insurance in Bismarck, ND can be expensive. Take a look at rates from the top car insurance companies in Bismarck for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bismarck, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,585 $12,334
American Family $5,680 $8,173
Farmers $6,273 $6,432
GEICO $3,772 $4,721
Liberty Mutual $26,672 $29,757
Nationwide $4,174 $5,133
Progressive $7,419 $8,278
State Farm $4,330 $5,452
USAA $3,708 $4,470

Cheapest Bismarck, ND Car Insurance for Seniors

Take a look at Bismarck, ND senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bismarck, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,552 $2,718
American Family $2,382 $2,382
Farmers $1,503 $1,570
GEICO $1,616 $1,634
Liberty Mutual $5,251 $6,372
Nationwide $1,604 $1,704
Progressive $1,595 $1,651
State Farm $1,304 $1,304
USAA $876 $876

Cheapest Bismarck, ND Car Insurance Rates After a DUI

A DUI in Bismarck, ND increases car insurance rates. Compare Bismarck, North Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bismarck, North Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,837
American Family $5,130
Farmers $3,064
GEICO $3,595
Liberty Mutual $13,021
Nationwide $3,565
Progressive $3,222
State Farm $2,349
USAA $2,685

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Bismarck, ND Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bismarck, ND by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bismarck, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,989 $5,241
American Family $3,650 $3,741
Farmers $2,881 $2,881
GEICO $2,354 $2,410
Liberty Mutual $11,984 $11,984
Nationwide $2,556 $2,556
Progressive $3,452 $3,452
State Farm $2,287 $2,411
USAA $1,890 $1,929

Cheapest Bismarck, ND Car Insurance Rates by ZIP Code

Bismarck car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bismarck, ND.

Annual Car Insurance Rates by ZIP Code in Bismarck, North Dakota

ZIP Code Average Annual Rates
58501 $4,243
58503 $4,251
58504 $4,281

The Best Cheap Car Insurance Companies in Bismarck, ND

Take a look at a side-by-side comparison of the top car insurance companies in Bismarck, ND to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bismarck, North Dakota

Insurance Company Average Annual Rates
Allstate $5,115
American Family $3,695
Farmers $2,881
GEICO $2,382
Liberty Mutual $11,984
Nationwide $2,556
Progressive $3,452
State Farm $2,349
USAA $1,910

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Bismarck, North Dakota

Find the cheapest car insurance companies in Bismarck, ND for each category right here.

Best Annual Car Insurance Rates by Company in Bismarck, North Dakota

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Bismarck, ND Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bismarck car insurance rates. Find the cheapest Bismarck, ND car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bismarck, North Dakota

Insurance Company Low Medium High
Allstate $5,025 $5,113 $5,206
American Family $3,794 $3,876 $3,416
Farmers $2,801 $2,866 $2,976
GEICO $2,330 $2,377 $2,438
Liberty Mutual $11,690 $11,929 $12,334
Nationwide $2,489 $2,544 $2,635
Progressive $3,350 $3,444 $3,561
State Farm $2,276 $2,358 $2,414
USAA $1,858 $1,911 $1,960

What affects car insurance rates in Bismarck, North Dakota?

What factors can have an impact on Bismarck, ND car insurance? There are several reasons why Bismarck car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bismarck, North Dakota.

Commute Time in Bismarck

The more time you spend in your car the higher the risk of an accident. The average commute length in Bismarck, ND is 15.7 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Bismarck, ND

Ready to find affordable Bismarck, North Dakota car insurance today? Enter your ZIP code for fast, free Bismarck, ND car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption