Compare Grand Forks, ND Car Insurance Rates (2021)

Car insurance in Grand Forks, ND averages $311 a month. Grand Forks, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Grand Forks car insurance rates, compare quotes from the top car insurance companies in Grand Forks, ND.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Grand Forks, ND after a DUI are $4,467/year
  • The cheapest ZIP code in Grand Forks is 58205
  • The cheapest car insurance company in Grand Forks for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Grand Forks, ND car insurance rates? Every Grand Forks, 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 Grand Forks, 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 $2,449 $2,455 $2,174 $2,304 $9,512 $11,206 $2,689 $2,899
American Family $2,388 $2,388 $2,166 $2,166 $5,178 $7,500 $2,388 $2,786
Farmers $1,550 $1,515 $1,380 $1,444 $5,870 $6,012 $1,764 $1,850
GEICO $1,679 $1,663 $1,437 $1,454 $3,415 $4,268 $1,518 $1,644
Liberty Mutual $6,013 $6,472 $4,838 $5,861 $25,368 $28,254 $6,236 $6,800
Nationwide $1,626 $1,651 $1,467 $1,553 $3,845 $4,687 $1,877 $1,977
Progressive $1,866 $1,752 $1,517 $1,580 $7,451 $8,285 $2,284 $2,315
State Farm $1,314 $1,314 $1,181 $1,181 $3,930 $4,948 $1,479 $1,684
USAA $1,073 $1,063 $882 $878 $3,754 $4,513 $1,544 $1,665

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Minimum Car Insurance in Grand Forks, ND

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

Minimum Required Car Insurance Coverage in Grand Forks, 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 Grand Forks, ND Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Grand Forks, North Dakota

Insurance Company Poor Fair Good
Allstate $5,619 $4,280 $3,484
American Family $4,424 $3,081 $2,605
Farmers $3,079 $2,534 $2,406
GEICO $2,552 $2,058 $1,795
Liberty Mutual $16,263 $9,787 $7,640
Nationwide $2,828 $2,227 $1,950
Progressive $3,870 $3,272 $3,002
State Farm $2,978 $1,894 $1,516
USAA $2,648 $1,682 $1,435

Cheapest Grand Forks, 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 Grand Forks, ND to rates for a clean record with top companies.

Annual Grand Forks, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,611 $3,980 $6,051 $4,202
American Family $2,462 $3,529 $4,674 $2,816
Farmers $2,247 $2,883 $2,846 $2,716
GEICO $1,251 $2,071 $3,216 $2,002
Liberty Mutual $9,943 $11,274 $12,192 $11,511
Nationwide $1,749 $2,378 $3,238 $1,975
Progressive $3,108 $3,880 $3,152 $3,385
State Farm $1,946 $2,311 $2,129 $2,129
USAA $1,364 $1,936 $2,703 $1,684

Cheapest Grand Forks, ND Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Grand Forks, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,512 $11,206
American Family $5,178 $7,500
Farmers $5,870 $6,012
GEICO $3,415 $4,268
Liberty Mutual $25,368 $28,254
Nationwide $3,845 $4,687
Progressive $7,451 $8,285
State Farm $3,930 $4,948
USAA $3,754 $4,513

Cheapest Grand Forks, ND Car Insurance for Seniors

Take a look at Grand Forks, 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 Grand Forks, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,174 $2,304
American Family $2,166 $2,166
Farmers $1,380 $1,444
GEICO $1,437 $1,454
Liberty Mutual $4,838 $5,861
Nationwide $1,467 $1,553
Progressive $1,517 $1,580
State Farm $1,181 $1,181
USAA $882 $878

Cheapest Grand Forks, ND Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Grand Forks, North Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,051
American Family $4,674
Farmers $2,846
GEICO $3,216
Liberty Mutual $12,192
Nationwide $3,238
Progressive $3,152
State Farm $2,129
USAA $2,703

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Cheapest Grand Forks, ND Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Grand Forks, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,352 $4,570
American Family $3,329 $3,411
Farmers $2,673 $2,673
GEICO $2,109 $2,160
Liberty Mutual $11,230 $11,230
Nationwide $2,335 $2,335
Progressive $3,381 $3,381
State Farm $2,073 $2,185
USAA $1,902 $1,941

Cheapest Grand Forks, ND Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Grand Forks, North Dakota

ZIP Code Average Annual Rates
58201 $3,970
58202 $3,956
58203 $3,948
58205 $3,940
58266 $4,413

The Best Cheap Car Insurance Companies in Grand Forks, ND

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

Average Annual Car Insurance Rates by Company in Grand Forks, North Dakota

Insurance Company Average Annual Rates
Allstate $4,461
American Family $3,370
Farmers $2,673
GEICO $2,135
Liberty Mutual $11,230
Nationwide $2,335
Progressive $3,381
State Farm $2,129
USAA $1,922

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Category Winners: Cheapest Car Insurance in Grand Forks, North Dakota

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

Best Annual Car Insurance Rates by Company in Grand Forks, North Dakota

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

Cheapest Grand Forks, ND Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Grand Forks, North Dakota

Insurance Company Low Medium High
Allstate $4,364 $4,459 $4,560
American Family $3,447 $3,533 $3,130
Farmers $2,597 $2,659 $2,764
GEICO $2,086 $2,130 $2,188
Liberty Mutual $10,947 $11,176 $11,568
Nationwide $2,260 $2,324 $2,422
Progressive $3,270 $3,373 $3,500
State Farm $2,060 $2,137 $2,190
USAA $1,866 $1,923 $1,976

What affects car insurance rates in Grand Forks, North Dakota?

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

Commute Time in Grand Forks

The more time you spend in your car the higher the risk of an accident. The average commute length in Grand Forks, ND is 13.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Grand Forks, ND

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

Free Car Insurance Comparison

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

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