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Cheap Auto Insurance Quotes in Grand Forks, ND (January 2022)
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If you’re a Grand Forks resident buying car insurance, there’s one coverage add-on you won’t want to forget: flood protection. As a flat area located on the banks of the Red River, Grand Forks residents are no strangers to flooding.
But just because you’ll need an added bit of protection on your car insurance policy doesn’t mean you have to break the bank. With Insurify, you can find just the right policy at just the right price by comparing free insurance quotes from a variety of insurance carriers.
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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.
reports 6.8 percent or just over one out of fifteen, North Dakota drivers have no insurance
Uninsured motorist bodily injury
Underinsured motorist bodily injury
The average premium auto insurance rates for drivers in Grand Forks is substantially lower than other places across the nation. For example, younger drivers in their 20s should expect to pay only $149.54 a month on average. People in their 30s and 50s will be happy to see that their average premiums are less than $100, coming in at $99.17 and $81.00, respectively. There is a small jump in rates for those in their 40s, with averages around $118.94.
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Driving records and accident history are two areas where insurance companies in Grand Forks go to determining the risk of a driver. This risk ultimately plays a factor in what rates you can expect to pay for auto insurance. Those with no violations and a clean record often have a lower rate and should expect to pay an average premium of $103.04. One violation that often has a negative impact on rates is an at-fault accident. These types of instances cause the average premium to rise to $127.
Even though many cities around the United States focus on rewarding drivers with a good credit score, Grand Forks takes a different approach. Instead, they focus on providing affordable coverage for drivers who have experienced problems in the past with their credit scores. This can be seen in the average premiums for people with the poor rating, which is normally around $73.50. Others who fall into the average category can expect rates just north of $100, with an average of $108.22.
See More: Bad Credit Car Insurance North Dakota
The Grand Forks Motor Vehicle Site Office is located at 1726 S Washington St., Suite 55, and can help you with vehicle registration services. For license services, the Grand Forks Driver’s License Site Office is located down the road at the Department of Transportation at 1951 N Washington St. Both offices are open Monday through Friday from 8:30 a.m. to 4:30 p.m.
The Cities Area Transit service offers 12 bus routes around Grand Forks. For intercity travel, the Empire Builder Amtrak line stops at the Grand Forks Amtrak Station and can help residents travel as far as Seattle, WA.
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 Grand Forks 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.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Grand Forks is the Chevrolet Malibu.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Grand Forks drivers rank 1 in the number of DUI’s per driver across all cities in North Dakota.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Grand Forks drivers rank 3 in the number of speeding infractions per driver.
When you’re a driver in Grand Forks, the threat of water damage is never far away. That’s why investing in a car insurance policy that meets your unique needs as a Grand Forks resident can give you much needed peace of mind. To keep you and your vehicle protected, compare car insurance quotes today on Insurify.
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.