Buy Cheap Bismarck, ND Auto Insurance (2021)

Bismarck, ND auto insurance rates average $336 a month. Minimum auto insurance requirements in Bismarck, North Dakota are 25/50/25 to comply with North Dakota laws. To buy cheap auto insurance in Bismarck, ND, compare Bismarck auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Bismarck is Liberty Mutual
  • Average auto insurance rates in Bismarck, ND are $336/month
  • The most expensive auto insurance company in Bismarck after a DUI is Liberty Mutual

Finding affordable Bismarck, North Dakota auto insurance can be challenging, but everything you need to know to buy cheap Bismarck, ND auto insurance with confidence is right here. Auto insurance rates in Bismarck are affected by local factors as well as personal ones like your driving record.

See how Bismarck, ND car insurance rates compare to Williston auto insurance rates, Grand Forks auto insurance rates, and Dickinson auto insurance rates before you read more about the cost of auto insurance in Bismarck.

Don’t buy Bismarck, ND auto insurance until you’ve compared rates. Get free Bismarck, North Dakota auto insurance quotes when you enter your ZIP code above.

Bismarck, ND Minimum Auto Insurance Requirements

The required auto insurance in Bismarck, ND is 25/50/25 according to the auto insurance laws in North Dakota. The minimum auto insurance in Bismarck, North Dakota is outlined here.

Minimum Required Auto Insurance Coverage in Bismarck, North Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Bismarck, ND Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Bismarck, ND. Take a look at Bismarck, North Dakota auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Bismarck, North Dakota

Insurance Company Poor Fair Good
Allstate $6,424 $4,905 $4,015
American Family $4,868 $3,373 $2,845
Farmers $3,324 $2,728 $2,591
GEICO $2,848 $2,295 $2,002
Liberty Mutual $17,364 $10,431 $8,158
Nationwide $3,102 $2,433 $2,132
Progressive $3,972 $3,335 $3,048
State Farm $3,286 $2,089 $1,672
USAA $2,634 $1,671 $1,425

Buy Cheap Bismarck, ND Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Bismarck, North Dakota auto insurance rates? Find out how car insurance rates in Bismarck, ND are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bismarck, North Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,922 $2,968 $2,552 $2,718 $10,585 $12,334 $3,275 $3,564
American Family $2,627 $2,627 $2,382 $2,382 $5,680 $8,173 $2,627 $3,065
Farmers $1,687 $1,653 $1,503 $1,570 $6,273 $6,432 $1,916 $2,013
GEICO $1,884 $1,867 $1,616 $1,634 $3,772 $4,721 $1,703 $1,857
Liberty Mutual $6,530 $7,048 $5,251 $6,372 $26,672 $29,757 $6,807 $7,437
Nationwide $1,784 $1,821 $1,604 $1,704 $4,174 $5,133 $2,053 $2,175
Progressive $1,961 $1,861 $1,595 $1,651 $7,419 $8,278 $2,410 $2,438
State Farm $1,454 $1,454 $1,304 $1,304 $4,330 $5,452 $1,635 $1,863
USAA $1,071 $1,063 $876 $876 $3,708 $4,470 $1,542 $1,670

Buy Cheap Bismarck, ND Auto Insurance for Teen Drivers

Auto insurance for teenagers in Bismarck can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Bismarck, ND are listed here.

Annual Auto Insurance Rates for Teen Drivers in Bismarck, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,585 $12,334
American Family $5,680 $8,173
Farmers $6,273 $6,432
GEICO $3,772 $4,721
Liberty Mutual $26,672 $29,757
Nationwide $4,174 $5,133
Progressive $7,419 $8,278
State Farm $4,330 $5,452
USAA $3,708 $4,470

Buy Cheap Bismarck, ND Auto Insurance for Seniors

You can save on senior auto insurance rates in Bismarck, North Dakota by comparing Bismarck senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Bismarck, ND here.

Annual Auto Insurance Rates for Senior Drivers in Bismarck, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,552 $2,718
American Family $2,382 $2,382
Farmers $1,503 $1,570
GEICO $1,616 $1,634
Liberty Mutual $5,251 $6,372
Nationwide $1,604 $1,704
Progressive $1,595 $1,651
State Farm $1,304 $1,304
USAA $876 $876

Find Cheap Auto Insurance Rates in Bismarck, ND by Coverage Level

The amount of coverage you choose is a big factor in the cost of Bismarck, North Dakota auto insurance. Compare Bismarck, ND auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bismarck, North Dakota

Insurance Company Low Medium High
Allstate $5,025 $5,113 $5,206
American Family $3,794 $3,876 $3,416
Farmers $2,801 $2,866 $2,976
GEICO $2,330 $2,377 $2,438
Liberty Mutual $11,690 $11,929 $12,334
Nationwide $2,489 $2,544 $2,635
Progressive $3,350 $3,444 $3,561
State Farm $2,276 $2,358 $2,414
USAA $1,858 $1,911 $1,960

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Find Cheap Bismarck, ND Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Bismarck. Compare auto insurance rates in Bismarck, ND by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Bismarck, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,989 $5,241
American Family $3,650 $3,741
Farmers $2,881 $2,881
GEICO $2,354 $2,410
Liberty Mutual $11,984 $11,984
Nationwide $2,556 $2,556
Progressive $3,452 $3,452
State Farm $2,287 $2,411
USAA $1,890 $1,929

Find Cheap Bismarck, ND Auto Insurance Rates by ZIP Code

Auto insurance rates in Bismarck, North Dakota can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Bismarck, ND to see how much where you live in Bismarck affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Bismarck, North Dakota

ZIP Code Average Annual Rates
58501 $4,243
58503 $4,251
58504 $4,281

Find Cheap Bismarck, ND Auto Insurance Rates by Driving Record

Auto insurance rates in Bismarck, North Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Bismarck, ND, take a look at the average cost for various violations versus rates for a clean driving record in Bismarck.

Annual Bismarck, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,205 $4,598 $6,837 $4,819
American Family $2,702 $3,858 $5,130 $3,091
Farmers $2,426 $3,104 $3,064 $2,930
GEICO $1,390 $2,308 $3,595 $2,234
Liberty Mutual $10,625 $12,018 $13,021 $12,273
Nationwide $1,902 $2,603 $3,565 $2,154
Progressive $3,183 $3,933 $3,222 $3,469
State Farm $2,149 $2,549 $2,349 $2,349
USAA $1,357 $1,922 $2,685 $1,675

Find Cheap Bismarck, ND Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Bismarck, North Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Bismarck for less when you shop around and compare rates from multiple Bismarck, ND auto insurance companies.

Annual Auto Insurance Rates After a DUI in Bismarck, North Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,837
American Family $5,130
Farmers $3,064
GEICO $3,595
Liberty Mutual $13,021
Nationwide $3,565
Progressive $3,222
State Farm $2,349
USAA $2,685

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Winners by Category: Where to Buy Cheap Auto Insurance in Bismarck, ND

Compare rates from the cheapest auto insurance companies in Bismarck, ND for your needs. Take a look at how Bismarck, North Dakota auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Bismarck, North Dakota

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Bismarck, North Dakota Auto Insurance Companies

If you’re looking for the cheapest Bismarck, ND auto insurance companies overall, you can compare them here. Find the best price for Bismarck, North Dakota car insurance by company.

Average Annual Auto Insurance Rates by Company in Bismarck, North Dakota

Insurance Company Average Annual Rates
Allstate $5,115
American Family $3,695
Farmers $2,881
GEICO $2,382
Liberty Mutual $11,984
Nationwide $2,556
Progressive $3,452
State Farm $2,349
USAA $1,910

What affects Bismarck, North Dakota auto insurance rates?

Local factors affect auto insurance rates in Bismarck, ND, including traffic, theft statistics, and commute length. Take a look at the things that impact Bismarck auto insurance rates.

Commute Times in Bismarck

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Bismarck, ND is 15.7 minutes according to City-Data.

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Compare Auto Insurance Quotes in Bismarck, ND

You can buy cheap Bismarck, ND auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Bismarck, North Dakota auto insurance quotes from top companies.

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