Best Bismarck, North Dakota Auto Insurance in 2024
The average Bismarck, ND auto insurance rates are $336 per month. The minimum auto insurance in Bismarck is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Bismarck, North Dakota, compare quotes from multiple companies.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Sep 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Bismarck is USAA
- The minimum auto insurance required in Bismarck, North Dakota is 25/50/25
- The average commute length in Bismarck is 15.7 minutes
Bismarck, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in Bismarck can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bismarck, North Dakota, including driving record, credit, commute time, and more.
Compare auto insurance in Bismarck to other North Dakota cities, including Mandan auto insurance rates, Minot auto insurance rates, and Dickinson auto insurance rates to see how Bismarck, North Dakota auto insurance rates stack up.
Before you buy Bismarck, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bismarck, North Dakota auto insurance quotes.
Minimum Auto Insurance in Bismarck, North Dakota
Bismarck, North Dakota auto insurance laws require that you have at least the North Dakota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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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Cheap Bismarck, North Dakota Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Bismarck, North Dakota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Bismarck, North Dakota Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Bismarck, North Dakota is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Bismarck, North Dakota Auto Insurance for Seniors
What are senior auto insurance rates in Bismarck, North Dakota? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Bismarck, North Dakota Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bismarck, North Dakota compared to the annual auto insurance rates with a clean record in Bismarck, North Dakota.
| 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 |
Cheap Bismarck, North Dakota Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Bismarck, North Dakota is not easy. Compare the annual rates for DUI auto insurance in Bismarck, North Dakota to find the best deal.
| 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 |
Cheap Bismarck, North Dakota Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Bismarck, North Dakota annual auto insurance rates by credit history compare.
| 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 |
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Cheap Bismarck, North Dakota Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Bismarck, North Dakota can vary. Compare the annual cost of auto insurance by ZIP code in Bismarck, North Dakota to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 58501 | $4,243 |
| 58503 | $4,251 |
| 58504 | $4,281 |
Cheap Bismarck, North Dakota Auto Insurance Rates By Commute
Commute length and annual mileage affect Bismarck, North Dakota auto insurance. Find the cheapest annual Bismarck, North Dakota auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Bismarck, North Dakota Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Bismarck, North Dakota? Check out the comparison of annual Bismarck, North Dakota auto insurance rates by coverage level.
| 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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Best By Category: Cheapest Auto Insurance in Bismarck, North Dakota
Compare the cheapest auto insurance companies in Bismarck, North Dakota in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Bismarck, North Dakota Auto Insurance Companies
What auto insurance companies in Bismarck, North Dakota are the cheapest? Compare the top Bismarck, North Dakota auto insurance companies to find the best annual rates.
| 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 auto insurance rates in Bismarck, North Dakota?
There are a lot of reasons why auto insurance rates in Bismarck, North Dakota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bismarck, North Dakota. Many local factors may affect your Bismarck auto insurance rates.
Bismarck Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bismarck, North Dakota commute length is 15.7 minutes according to City-Data.
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Compare Bismarck, North Dakota Auto Insurance Quotes
Before you buy Bismarck, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bismarck, North Dakota auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection for drivers in the event of an accident, theft, or damage to their vehicle. It typically includes liability coverage, which pays for damages and injuries caused to others, as well as coverage for the insured driver’s vehicle.
Is auto insurance mandatory in Bismarck, ND?
Yes, auto insurance is mandatory in Bismarck, ND, as it is in most states. North Dakota law requires all drivers to carry a minimum amount of auto insurance coverage to legally operate a vehicle on the roads.
What are the minimum auto insurance requirements in Bismarck, ND?
In Bismarck, ND, drivers must carry at least the following minimum amounts of auto insurance coverage:
- $25,000 per person and $50,000 per accident for bodily injury liability.
- $25,000 for property damage liability.
- $30,000 per person and $60,000 per accident for uninsured/underinsured motorist coverage.
Can I purchase additional coverage beyond the minimum requirements?
Yes, you can purchase additional coverage beyond the minimum requirements. It’s often recommended to consider purchasing higher liability limits, comprehensive and collision coverage, medical payments coverage, and other optional coverages to enhance your financial protection in case of an accident or other incidents.
How are auto insurance rates determined in Bismarck, ND?
Auto insurance rates in Bismarck, ND, are determined by several factors, including your driving record, age, gender, type of vehicle, coverage limits, deductible amounts, and the insurance company you choose. Insurance providers also consider local factors such as the frequency of accidents and thefts in the area.
Are there any discounts available for auto insurance in Bismarck, ND?
Yes, many insurance companies offer various discounts that can help you save on your auto insurance premiums in Bismarck, ND. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for having certain safety features on your vehicle. It’s best to check with different insurers to see which discounts they offer.
What should I do after a car accident in Bismarck, ND?
After a car accident in Bismarck, ND, you should take the following steps:
- Ensure everyone’s safety and call for emergency medical assistance if needed.
- Exchange contact and insurance information with the other driver(s) involved.
- Document the accident scene by taking photos and gathering witness statements, if possible.
- Report the accident to your insurance company as soon as possible.
- Cooperate with the insurance claims process and provide all necessary documentation and information.
Can I change my auto insurance policy in the middle of the policy term?
Yes, you can change your auto insurance policy in the middle of the policy term. However, it’s important to review the terms and conditions of your current policy and understand any potential penalties or fees for canceling early. It’s recommended to shop around and compare quotes from different insurers before making a switch.
What should I do if my auto insurance policy is canceled or non-renewed?
If your auto insurance policy is canceled or not renewed by the insurer, you should start looking for alternative coverage immediately. Driving without insurance is illegal in Bismarck, ND, so it’s crucial to maintain continuous coverage. Contact other insurance companies to obtain quotes and find a new policy that meets your needs.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.