Buy Cheap Grand Forks, ND Auto Insurance (2021)

Grand Forks, ND auto insurance rates average $311 a month. Minimum auto insurance requirements in Grand Forks, North Dakota are 25/50/25 to comply with North Dakota laws. To buy cheap auto insurance in Grand Forks, ND, compare Grand Forks 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 Grand Forks after a DUI is Liberty Mutual
  • Average auto insurance rates in Grand Forks, ND for teens drivers are $7,591/year
  • Average auto insurance rates in Grand Forks, ND after a DUI are $4,467/year

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

See how Grand Forks, ND car insurance rates compare to Mandan auto insurance rates, Watford City auto insurance rates, and Grand Forks auto insurance rates before you read more about the cost of auto insurance in Grand Forks.

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

Grand Forks, ND Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Grand Forks, 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 Grand Forks, ND Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Grand Forks, North Dakota

Insurance Company Poor Fair Good
Allstate $5,619 $4,280 $3,484
American Family $4,424 $3,081 $2,605
Farmers $3,079 $2,534 $2,406
GEICO $2,552 $2,058 $1,795
Liberty Mutual $16,263 $9,787 $7,640
Nationwide $2,828 $2,227 $1,950
Progressive $3,870 $3,272 $3,002
State Farm $2,978 $1,894 $1,516
USAA $2,648 $1,682 $1,435

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Grand Forks, 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 $2,449 $2,455 $2,174 $2,304 $9,512 $11,206 $2,689 $2,899
American Family $2,388 $2,388 $2,166 $2,166 $5,178 $7,500 $2,388 $2,786
Farmers $1,550 $1,515 $1,380 $1,444 $5,870 $6,012 $1,764 $1,850
GEICO $1,679 $1,663 $1,437 $1,454 $3,415 $4,268 $1,518 $1,644
Liberty Mutual $6,013 $6,472 $4,838 $5,861 $25,368 $28,254 $6,236 $6,800
Nationwide $1,626 $1,651 $1,467 $1,553 $3,845 $4,687 $1,877 $1,977
Progressive $1,866 $1,752 $1,517 $1,580 $7,451 $8,285 $2,284 $2,315
State Farm $1,314 $1,314 $1,181 $1,181 $3,930 $4,948 $1,479 $1,684
USAA $1,073 $1,063 $882 $878 $3,754 $4,513 $1,544 $1,665

Buy Cheap Grand Forks, ND Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Grand Forks, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,512 $11,206
American Family $5,178 $7,500
Farmers $5,870 $6,012
GEICO $3,415 $4,268
Liberty Mutual $25,368 $28,254
Nationwide $3,845 $4,687
Progressive $7,451 $8,285
State Farm $3,930 $4,948
USAA $3,754 $4,513

Buy Cheap Grand Forks, ND Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Grand Forks, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,174 $2,304
American Family $2,166 $2,166
Farmers $1,380 $1,444
GEICO $1,437 $1,454
Liberty Mutual $4,838 $5,861
Nationwide $1,467 $1,553
Progressive $1,517 $1,580
State Farm $1,181 $1,181
USAA $882 $878

Find Cheap Auto Insurance Rates in Grand Forks, ND by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Grand Forks, North Dakota

Insurance Company Low Medium High
Allstate $4,364 $4,459 $4,560
American Family $3,447 $3,533 $3,130
Farmers $2,597 $2,659 $2,764
GEICO $2,086 $2,130 $2,188
Liberty Mutual $10,947 $11,176 $11,568
Nationwide $2,260 $2,324 $2,422
Progressive $3,270 $3,373 $3,500
State Farm $2,060 $2,137 $2,190
USAA $1,866 $1,923 $1,976

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Find Cheap Grand Forks, ND Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Grand Forks, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,352 $4,570
American Family $3,329 $3,411
Farmers $2,673 $2,673
GEICO $2,109 $2,160
Liberty Mutual $11,230 $11,230
Nationwide $2,335 $2,335
Progressive $3,381 $3,381
State Farm $2,073 $2,185
USAA $1,902 $1,941

Find Cheap Grand Forks, ND Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Grand Forks, North Dakota

ZIP Code Average Annual Rates
58201 $3,970
58202 $3,956
58203 $3,948
58205 $3,940
58266 $4,413

Find Cheap Grand Forks, ND Auto Insurance Rates by Driving Record

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

Annual Grand Forks, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,611 $3,980 $6,051 $4,202
American Family $2,462 $3,529 $4,674 $2,816
Farmers $2,247 $2,883 $2,846 $2,716
GEICO $1,251 $2,071 $3,216 $2,002
Liberty Mutual $9,943 $11,274 $12,192 $11,511
Nationwide $1,749 $2,378 $3,238 $1,975
Progressive $3,108 $3,880 $3,152 $3,385
State Farm $1,946 $2,311 $2,129 $2,129
USAA $1,364 $1,936 $2,703 $1,684

Find Cheap Grand Forks, ND Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Grand Forks, North Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,051
American Family $4,674
Farmers $2,846
GEICO $3,216
Liberty Mutual $12,192
Nationwide $3,238
Progressive $3,152
State Farm $2,129
USAA $2,703

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

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

Best Annual Auto Insurance Rates by Company in Grand Forks, North Dakota

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

Find Cheap Grand Forks, North Dakota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Grand Forks, North Dakota

Insurance Company Average Annual Rates
Allstate $4,461
American Family $3,370
Farmers $2,673
GEICO $2,135
Liberty Mutual $11,230
Nationwide $2,335
Progressive $3,381
State Farm $2,129
USAA $1,922

What affects Grand Forks, North Dakota auto insurance rates?

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

Commute Times in Grand Forks

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Grand Forks, ND is 13.7 minutes according to City-Data.

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Compare Auto Insurance Quotes in Grand Forks, ND

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

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