Cheap Auto Insurance Quotes in Grand Forks, ND (2021)

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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.

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.

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Cheapest Car Insurance in Grand Forks, ND

Here are the cheapest carriers in Grand Forks 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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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.

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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.

Driver's AgeAvg. Monthly Cost
teensN/A
20s$150
30s$100
40s$119
50s$81
60sN/A
70sN/A
80sN/A
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
ExcellentN/A
Good$127
Average$109
Poor$74

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.

Conclusion: 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.

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 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 Grand Forks stacks up for the state of North Dakota:

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Chevrolet Equinox
Most Popular Car in
Grand Forks, ND
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Cities with Most
Suspended Licenses Rank

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.