4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Grand Forks, ND (January 2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Last Updated: January 2022

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.

Car Insurance in Grand Forks, 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 Grand Forks, ND to find you the cheapest quotes in the area.
ProgressiveState FarmThe General

Cheapest Car Insurance in Grand Forks, 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 DakotaFargoBismarckMinotWest FargoGrand Forks
Click here to learn about car insurance quotes and save on your current policy.

Grand Forks, 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.

Grand Forks Car Insurance Rates by Driver Age

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.

Driving History
No Violation$104
Speeding TicketN/A
Number of QuotesN/A
At-Fault Accident$127
Failure to Stop for Red Light / Stop SignN/A

Grand Forks Car Insurance Rates by Driving and Accident History

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.

Grand Forks Car Insurance Rates by Credit Tier

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.

Grand Forks, ND DMV Information

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.

Public Transportation in Grand Forks, ND

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.

Find local Grand Forks agents

Insure Forward 
3311 S Washington St, Grand Forks, ND 58201-7168
Vaaler Insurance, Inc. 
2701 S Columbia Rd, Grand Forks, ND 58201
Thompson-Schaefer Insurance 
311 S 4Th St, Grand Forks, ND 58201-4782
Insurance Brokers of MN, Inc. 
1551 28Th Ave S, Grand Forks, ND 58201-6782
Gate City Insurance Agency 
3205 South Washington Street, Grand Forks, ND 58201
Scott Corbin: Allstate Insurance
1521 24th Ave S Ste 101, Grand Forks, ND 58201
Randy Fenley - State Farm Insurance Agent
2750 S 26th St Ste A, Grand Forks, ND 58201
Insure Forward
3350 S Columbia Rd suite a, Grand Forks, ND 58201
Jeremy Fulton Agency Inc American Family Insurance
1220 S Washington St, Grand Forks, ND 58201
Randy Kottsick - State Farm Insurance Agent
2600 Demers Ave #105, Grand Forks, ND 58201

Insurify Insights: How Grand Forks Drivers Measure Up

Chevrolet Malibu
Most Popular Car in
Grand Forks, 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 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.

Most Popular Vehicle in Grand Forks

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.

DUI/DWIs in Grand Forks

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.

  • Rank within state: #1
  • Percent of drivers in Grand Forks with a DUI: {{percentDrivers}}%
  • Drivers in Grand Forks, ND with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Grand Forks

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.

  • Rank within state: #3
  • Percent of drivers in Grand Forks with a speeding ticket: {{percentDrivers}}%
  • Drivers in Grand Forks, ND with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

How to get the best and cheapest car insurance in Grand Forks, ND

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.

FAQs - Grand Forks, ND Car Insurance

How does where I live affect my car insurance rates?

Plenty of factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they’ll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in this ZIP code and set your insurance rates accordingly.

Will my credit score affect my car insurance rates in Grand Forks?

North Dakota car insurers are allowed to weigh a driver’s credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums.

Who offers the cheapest car insurance in my area?

Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of insurance companies.


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.

Full starFull starFull starFull starFull star
3690 Reviews

Insurify is rated 4.8 out of 5 based on 3690 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!