Cheapest Auto Insurance in Grand Forks, North Dakota (2024)

North Dakota’s average liability insurance rate of $84 falls below the national average of $105.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated December 19, 2024

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Cheapest recent rates near Grand Forks, North Dakota

Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $91/mo for full coverage in Grand Forks and other North Dakota cities.

*Quotes generated for Insurify users in and around Grand Forks, North Dakota within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Grand Forks, North Dakota within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Situated along the Red River, Grand Forks is the third-largest city in North Dakota. If you’re a driver in the area, you can expect to pay car insurance rates lower than the state average. This could be because crime rates are lower in Grand Forks than in other large cities in the Flickertail State.[1]

But the rates you see in Grand Forks depend on your unique circumstances. Here’s what you need to to know about comparing car insurance rates to get the best policy for you in Grand Forks.

Quick Facts
  • Grand Forks drivers must purchase personal injury protection in addition to bodily injury liability, property damage liability, and uninsured motorist coverage.

  • Middle-aged drivers with a clean driving record can land the cheapest premiums in the city.

  • North Dakota allows insurers to review your credit history during the underwriting process.

3 of the cheapest car insurance companies in Grand Forks

As you shop around for affordable auto insurance in Grand Forks, factors like your location, ZIP code, driving history, credit, vehicle information, and preferred car insurance coverage all play a part in the rates you receive. This is why it’s important to compare rates from several companies to find the best policy for you.

As you begin your search, consider Midvale Home & Auto, Bristol West, and The General, as they offer cheap rates and a variety of insurance products for Grand Forks residents.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Midvale Home & Auto3.7$88$51Teen drivers
Bristol West5.2$179$78Personalized service
The General7.3$135$98High-risk drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for teen drivers: Midvale Home & Auto

A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Grand Forks is home to a number of high schools and colleges, including Grand Forks Central High School, the University of North Dakota, and Northland Community & Technical College. Students and teen drivers who attend these schools can find cheap premiums on insurance services with Midvale Home & Auto. This insurer also has a few discounts for young drivers, including a good student discount and an away-at-school discount.

Pros
  • Backed by the financial strength of American Family Insurance

  • Gap insurance and roadside assistance available

Cons
  • Must work with an insurance agent to get a policy

  • Poor customer reviews on the Better Business Bureau (BBB) website[2]

Best insurer for personalized service: Bristol West

User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
5.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$163/mo
3.2
A solid optionBased on 307 verified guest reviews and ratings
How drivers feel about Bristol West

Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West

Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (152)

David

December 8, 2024

Verified Review

Trickster

At first, everything seemed fine. However, I was enrolled in autopay without my consent. They then wanted to charge me either $72 or $70 to remove it.

Phyllis

December 5, 2024

Verified Purchase

Love the company

So far, it's the best for not having insurance besides not having a car for the last two years, and it offers reasonable rates.

Connie

December 4, 2024

Verified Purchase

Think Twice Before You Decide

There is no consistency. You get a different answer when you talk to the next person. Notes are not always put in the file, even though you ask. This has happened more than once.
See all Bristol West reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.8
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

If you like the idea of working with a local independent agent long-term, Bristol West is worth considering. Multiple affiliated agents throughout Grand Forks can help you find the right car insurance policy for your unique situation. Bristol West also offers diminishing deductibles for safe drivers and insures people with a poor driving record.

Pros
  • Accepts many payment options for popular services

  • Can file an SR-22 on your behalf

Cons
  • Poor customer reviews on the BBB website[3]

  • Limited discounts advertised

Best insurer for high-risk drivers: The General

User Reviews
3.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$99/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$178/mo
3.5
A solid optionBased on 739 verified guest reviews and ratings
How drivers feel about The General

Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General

Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (413)

Rhonda

December 16, 2024

Verified Review

Fair

It was supposed to be cheaper, but it didn't seem so to me.

Ann

December 16, 2024

Verified Review

Disappointing Car Insurance Experience

My experience was disappointing. I felt like I was taken advantage of when I cancelled my policy for a car that was no longer in use. I was charged fees for extra coverage on a car that was inoperable. I would not recommend this insurance carrier.

Rubab

December 11, 2024

Verified Review

Poor

Way too costly for everyone!
See all The General reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Grand Forks was the site of 1,027 motor vehicle crashes in 2022.[4] If you’ve caused an auto accident in the area or have a violation like a speeding ticket or DUI on your record, you may find affordable rates with The General. This insurance company provides insurance coverage for high-risk drivers and will file your SR-22 as well.

Pros
  • Auto insurance coverage for high-risk drivers

  • Robust mobile app

Cons
  • Limited coverage options

  • Minimal discounts for good drivers

How to get the cheapest car insurance in Grand Forks

The amount you pay for car insurance depends on several factors, some of which are out of your control. Fortunately, these tips can help you lock in more affordable rates in any situation:

  • Shop around. It’s a good idea to get quotes from at least three different auto insurance companies. Then, compare rates, coverage levels, and customer service reviews to figure out the right coverage for your particular budget and needs.

  • Look for discounts. Most car insurance companies offer a variety of discounts for policyholders, such as a loyalty discount, anti-theft device discount, and multi-car discount. Visit the company’s website or contact your insurance agent to find out which discounts may apply to you.

  • Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, condo insurance, health insurance, or life insurance, you may be able to land a great deal on your policy.

  • Consider usage-based insurance plans. If you don’t drive often because you’re retired or work from home, you can lock in car insurance savings through a pay-per-mile plan from a reputable auto insurer.

Find Cheap Car Insurance in Grand Forks

Liability rates in North Dakota average $84 per month

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Cheapest liability-only car insurance in Grand Forks

North Dakota requires all drivers to carry at least minimum liability car insurance. This type of coverage pays for the other party’s property damage and medical bills after an accident you cause. But liability coverage provides no protection for your own injuries or vehicle damage. Because of this, it’s usually the cheapest policy you can get.

Here’s a look at car insurance companies with the lowest quotes for liability coverage in Grand Forks.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Root$64
Bristol West$74
Safeco$79
The General$99
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Grand Forks

Full-coverage car insurance usually includes three types of coverage: liability, collision, and comprehensive coverage. It can be worth the extra cost if you want to avoid high out-of-pocket expenses. Your lender will probably require full-coverage insurance if you have a loan or lease on your vehicle.

The table below shows the most affordable auto insurers in the area for full-coverage insurance.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Root$101
Safeco$145
Bristol West$163
The General$178
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Grand Forks, North Dakota

Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $91/mo for full coverage in Grand Forks and other North Dakota cities.

*Quotes generated for Insurify users in and around Grand Forks, North Dakota within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Grand Forks, North Dakota within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in North Dakota

North Dakota is a no-fault state, meaning you’re responsible for your incurred medical expenses after an accident. In addition, if you’re unable to show proof of insurance, you may face a hefty fine and be required to file an SR-22.

Below, you’ll find the minimum car insurance requirements in North Dakota:[5]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist coverage$25,000 per person / $50,000 per accident
Personal injury protection$30,000 per person

Depending on your situation, it may make sense to invest in optional auto insurance coverage for additional protection on the road. Here are several additional coverages you might want to add to your auto policy:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for your vehicle repairs after you hit another vehicle or object, regardless of who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance kicks in to cover repairs that stem from falling objects, natural disasters, or other non-collision events.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance covers the difference between the current value of your vehicle and the remaining balance of your car loan or lease if your car is totaled.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    With rental car reimbursement, you can cover the cost of a rental car when your vehicle is in the repair shop after a covered incident.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are all examples of incidents on your driving record that can increase your car insurance costs. This is because car insurance companies perceive you as a high-risk driver who’s more likely to file a claim. 

Grand Forks drivers with clean records typically lock in the lowest rates, as you can see in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Root$64$96$96$98
Bristol West$74$105$104$125
Safeco$79$112$110$121
The General$99$142$142$167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age can play a significant role in your car insurance premiums. Teen drivers and young adults usually pay the highest rates for car insurance because of their limited driving experience. Fortunately, premiums tend to decrease around age 35 but increase again around age 70. This is due to physical and mental impairments senior drivers usually experience, including poor vision and delayed reflexes.

The table below shows the cheapest car insurance quotes for Grand Forks residents by age.

Age
Average Monthly Quote
Teens$224
20s$148
30s$104
40s$101
50s$93
60s$95
70s$113
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Grand Forks, ND

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Grand Forks car insurance quotes by credit tier

Like most states, North Dakota allows car insurance companies to factor in your credit history when underwriting your policy and determining your rate. This means drivers with good or excellent credit pay less than drivers with poor credit.

Here’s a look at the average premiums for Grand Forks drivers based on credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Grand Forks car insurance FAQs

If you still have questions about how to find the cheapest car insurance in Grand Forks, the following answers can help.

  • Is car insurance expensive in Grand Forks?

    Not really. Rates in Grand Forks fall below the state average, and rates in North Dakota are among the lowest in the nation. This is due in part to North Dakota’s low population density, as well as its lack of weather-related insurance concerns.

  • How do you find cheap car insurance in Grand Forks?

    The rate you pay for car insurance will depend on several factors, including your age, location, gender, marital status, credit history, and vehicle. Some of these factors are outside your control, but you can always help yourself attain lower rates by comparing quotes from three or more companies before selecting a policy.

  • What are the best car insurance companies in Grand Forks?

    Midvale Home & Auto, Bristol West, and The General are three of the most popular insurers in North Dakota. Midvale is known for its large number of youth-focused discounts, while Bristol West has a large network of agents in the state. Finally, The General offers some of the most competitive rates in the area for high-risk drivers.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. North Dakota State Government. "North Dakota Crime Statistics."
  2. Better Business Bureau. "Midvale Home and Auto."
  3. Better Business Bureau. "Bristol West."
  4. Vision Zero. "2 0 2 2 N O RTH DAKOTA CRASH SUMMARY."
  5. North Dakota Insurance Department. "Auto."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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