Cheap Auto Insurance Quotes in Bismarck, ND (2021)

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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.

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Cheapest Car Insurance in Bismarck, ND

Here are the cheapest carriers in Bismarck for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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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 Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Bismarck stacks up for the state of North Dakota:

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