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Cheap Auto Insurance Quotes in Bismarck, ND (January 2022)

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Last Updated: January 2022

Car Insurance in Bismarck, ND

The average cost of North Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bismarck, ND to find you the cheapest quotes in the area.
ProgressiveAllstateState FarmThe GeneralAmerican Family

Cheapest Car Insurance in Bismarck, ND

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

North DakotaFargoGrand ForksMinotWest FargoBismarck
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Bismarck, ND Driving Facts


Minimum Car Insurance Requirements in ND

The state of North Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. It accepts both written and electronic documentation.

The minimum bodily injury liability insurance requirements in North Dakota are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that North Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in North Dakota are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of North Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

  • $30,000 personal injury protection (PIP) per person per accident

North Dakota is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. North Dakota PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $30,000 for the minimum coverage requirements. 

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 6.8 percent or just over one out of fifteen, North Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Find local Bismarck agents

BBH Insurance Inc
1710 Burnt Boat Dr., Suite 3, Bismarck, ND 58503
Kramer Agency 
232 W Century Ave, Bismarck, ND 58503-1494
Bridgemark Insurance Solutions, Inc. dba Bain Agency Inc 
1500 E. Capitol Avenue, Bismarck, ND 58501
Vaaler Insurance Inc 
1000 Tacoma Ave, Bismarck, ND 58504-7036
Superior Insurance Agency 
4207 Boulder Ridge Rd STE 140, Bismarck, ND 58503
Gateway Insurance 
4501 Coleman St Ste 108, Bismarck, ND 585030996
Kelly Insurance Agency Inc. 
1720 Burnt Boat Drive Suite 101, Bismarck, ND 58504
American Insurance, Inc. 
401 N 4th St #201, Bismarck, ND 58503-4023
Gate City Insurance Agency 
304 East Rosser Avenue, Bismarck, ND 58502
North Dakota Insurance
600 E Boulevard Ave, Bismarck, ND 58505

Insurify Insights: How Bismarck Drivers Measure Up

Chevrolet Silverado
Most Popular Car in
Bismarck, ND
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bismarck drivers measure up to their fellow North Dakota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bismarck

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bismarck drivers rank 2 in the number of car accidents per driver across all cities in North Dakota.

  • Rank within state: #2
  • Percent of drivers in Bismarck with an accident: 7.17%
  • Drivers in Bismarck, ND with an accident in their driving history paid on average 51.69% more than drivers with a clean record

Speeding in Bismarck

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Bismarck drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Bismarck with a speeding ticket: 14.72%
  • Drivers in Bismarck, ND with a speeding ticket in their driving history paid on average 21.19% more than drivers with a clean record

DUI/DWIs in Bismarck

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bismarck drivers rank 2 in the number of DUI’s per driver across all cities in North Dakota.

  • Rank within state: #2
  • Percent of drivers in Bismarck with a DUI: 4.53%
  • Drivers in Bismarck, ND with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Bismarck

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bismarck is the Chevrolet Silverado.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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