Cheapest Auto Insurance in Grand Forks, North Dakota (2025)
North Dakota’s average liability insurance rate of $70 falls below the national average of $103.
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Situated along the Red River, Grand Forks is the third-largest city in North Dakota. If you’re a driver in the area, you can expect to pay car insurance rates lower than the state average. This could be because crime rates are lower in Grand Forks than in other large cities in the Flickertail State.1
But the rates you see in Grand Forks depend on your unique circumstances. Here’s what you need to to know about comparing car insurance rates to get the best policy for you in Grand Forks.
3 of the cheapest car insurance companies in Grand Forks
As you shop around for affordable auto insurance in Grand Forks, factors like your location, ZIP code, driving history, credit, vehicle information, and preferred car insurance coverage all play a part in the rates you receive. This is why it’s important to compare rates from several companies to find the best policy for you.
As you begin your search, consider Midvale Home & Auto, Bristol West, and The General, as they offer cheap rates and a variety of insurance products for Grand Forks residents.
Best insurer for teen drivers: Midvale Home & Auto
Best insurer for personalized service: Bristol West
Best insurer for high-risk drivers: The General
How to get the cheapest car insurance in Grand Forks
The amount you pay for car insurance depends on several factors, some of which are out of your control. Fortunately, these tips can help you lock in more affordable rates in any situation:
Shop around. It’s a good idea to get quotes from at least three different auto insurance companies. Then, compare rates, coverage levels, and customer service reviews to figure out the right coverage for your particular budget and needs.
Look for discounts. Most car insurance companies offer a variety of discounts for policyholders, such as a loyalty discount, anti-theft device discount, and multi-car discount. Visit the company’s website or contact your insurance agent to find out which discounts may apply to you.
Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, condo insurance, health insurance, or life insurance, you may be able to land a great deal on your policy.
Consider usage-based insurance plans. If you don’t drive often because you’re retired or work from home, you can lock in car insurance savings through a pay-per-mile plan from a reputable auto insurer.
Cheapest liability-only car insurance in Grand Forks
North Dakota requires all drivers to carry at least minimum liability car insurance. This type of coverage pays for the other party’s property damage and medical bills after an accident you cause. But liability coverage provides no protection for your own injuries or vehicle damage. Because of this, it’s usually the cheapest policy you can get.
Here’s a look at car insurance companies with the lowest quotes for liability coverage in Grand Forks.
Cheapest full-coverage car insurance in Grand Forks
Full-coverage car insurance usually includes three types of coverage: liability, collision, and comprehensive coverage. It can be worth the extra cost if you want to avoid high out-of-pocket expenses. Your lender will probably require full-coverage insurance if you have a loan or lease on your vehicle.
The table below shows the most affordable auto insurers in the area for full-coverage insurance.
Car insurance requirements in North Dakota
North Dakota is a no-fault state, meaning you’re responsible for your incurred medical expenses after an accident. In addition, if you’re unable to show proof of insurance, you may face a hefty fine and be required to file an SR-22.
Below, you’ll find the minimum car insurance requirements in North Dakota:5
Depending on your situation, it may make sense to invest in optional auto insurance coverage for additional protection on the road. Here are several additional coverages you might want to add to your auto policy:
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents on your driving record that can increase your car insurance costs. This is because car insurance companies perceive you as a high-risk driver who’s more likely to file a claim.
Grand Forks drivers with clean records typically lock in the lowest rates, as you can see in the table below.
Average cost of car insurance by age
Your age can play a significant role in your car insurance premiums. Teen drivers and young adults usually pay the highest rates for car insurance because of their limited driving experience. Fortunately, premiums tend to decrease around age 35 but increase again around age 70. This is due to physical and mental impairments senior drivers usually experience, including poor vision and delayed reflexes.
The table below shows the cheapest car insurance quotes for Grand Forks residents by age.
Grand Forks car insurance quotes by credit tier
Like most states, North Dakota allows car insurance companies to factor in your credit history when underwriting your policy and determining your rate. This means drivers with good or excellent credit pay less than drivers with poor credit.
Here’s a look at the average premiums for Grand Forks drivers based on credit tier.
Grand Forks car insurance FAQs
If you still have questions about how to find the cheapest car insurance in Grand Forks, the following answers can help.
Is car insurance expensive in Grand Forks?
Not really. Rates in Grand Forks fall below the state average, and rates in North Dakota are among the lowest in the nation. This is due in part to North Dakota’s low population density, as well as its lack of weather-related insurance concerns.
How do you find cheap car insurance in Grand Forks?
The rate you pay for car insurance will depend on several factors, including your age, location, gender, marital status, credit history, and vehicle. Some of these factors are outside your control, but you can always help yourself attain lower rates by comparing quotes from three or more companies before selecting a policy.
What are the best car insurance companies in Grand Forks?
Midvale Home & Auto, Bristol West, and The General are three of the most popular insurers in North Dakota. Midvale is known for its large number of youth-focused discounts, while Bristol West has a large network of agents in the state. Finally, The General offers some of the most competitive rates in the area for high-risk drivers.
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