Cheapest Auto Insurance in Grand Forks, North Dakota (2024)
North Dakota’s average liability insurance rate of $85 falls below the national average of $104.
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Written byAnna Baluch
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Updated November 21, 2024
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Table of contents
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.
Quick Facts
Grand Forks drivers must purchase personal injury protection in addition to bodily injury liability, property damage liability, and uninsured motorist coverage.
Middle-aged drivers with a clean driving record can land the cheapest premiums in the city.
North Dakota allows insurers to review your credit history during the underwriting process.
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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Midvale Home & Auto | 3.7 | $88 | $51 | Teen drivers |
| Bristol West | 5.2 | $179 | $78 | Personalized service |
| The General | 7.3 | $135 | $98 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Grand Forks is home to a number of high schools and colleges, including Grand Forks Central High School, the University of North Dakota, and Northland Community & Technical College. Students and teen drivers who attend these schools can find cheap premiums on insurance services with Midvale Home & Auto. This insurer also has a few discounts for young drivers, including a good student discount and an away-at-school discount.
Pros
Backed by the financial strength of American Family Insurance
Gap insurance and roadside assistance available
Cons
Must work with an insurance agent to get a policy
Poor customer reviews on the Better Business Bureau (BBB) website[2]
Best insurer for personalized service: Bristol West
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $163/mo |
3.2
A solid optionBased on 296 verified guest reviews and ratings
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (147)
Misty
November 18, 2024
Verified Review
Limited Budget, Perfect Driving Record Yet My Bill Went Up
I've always paid around $48 to $52 a month for basic liability, which is within my budget. I never had any issues with Bristol West until October 2024 when they took $100 out of my account. In September, a month earlier, I paid $49. Then in November 2024, my premium was at $74. I'm on a very limited budget and only get one check a month. I have never had an accident or gotten any tickets ever! I told my agent I simply can't afford much and she reassured me that because my credit is excellent and I have an excellent driving record, my policy will stay the same.
Dwayne
November 7, 2024
Verified Review
Sudden increase in monthly payments
For my 2004 car, I was paying $252 a month, which was a sudden increase from $191. State Farm seems to be a better option, so it might be worth shopping around.
Reginald
November 4, 2024
Verified Review
Comparable to Well-Known Brands
It's not as recognized as Farmer's or other well-known brands, but it performs similarly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.8A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
If you like the idea of working with a local independent agent long-term, Bristol West is worth considering. Multiple affiliated agents throughout Grand Forks can help you find the right car insurance policy for your unique situation. Bristol West also offers diminishing deductibles for safe drivers and insures people with a poor driving record.
Pros
Accepts many payment options for popular services
Can file an SR-22 on your behalf
Cons
Poor customer reviews on the BBB website[3]
Limited discounts advertised
Best insurer for high-risk drivers: The General
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $178/mo |
3.5
A solid optionBased on 728 verified guest reviews and ratings
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (409)
Gary
November 7, 2024
Verified Review
Unsatisfactory Service
Getting in touch with a live representative is almost impossible, and when you do, they seem uninformed. I was charged $300 for a policy that provided no coverage. It felt like they were getting paid for doing absolutely nothing.
Jalonda
November 5, 2024
Verified Review
I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.
I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.
Sheri
November 5, 2024
Verified Review
Would Never Recommend
The customer service was very rude and disinterested when I tried to change my policy. They were extremely unhelpful.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Grand Forks was the site of 1,027 motor vehicle crashes in 2022.[4] If you’ve caused an auto accident in the area or have a violation like a speeding ticket or DUI on your record, you may find affordable rates with The General. This insurance company provides insurance coverage for high-risk drivers and will file your SR-22 as well.
Pros
Auto insurance coverage for high-risk drivers
Robust mobile app
Cons
Limited coverage options
Minimal discounts for good drivers
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.
Find Cheap Car Insurance in Grand Forks
Liability rates in North Dakota average $85 per month
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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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $64 |
| Bristol West | $74 |
| Safeco | $79 |
| The General | $99 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $101 |
| Safeco | $145 |
| Bristol West | $163 |
| The General | $178 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Forks, North Dakota
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $104/mo for full coverage in Grand Forks and other North Dakota cities.
*Quotes generated for Insurify users in and around Grand Forks, North Dakota within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Grand Forks, North Dakota within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist coverage | $25,000 per person / $50,000 per accident |
| Personal injury protection | $30,000 per person |
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:
Collision coverage
Collision insurance pays for your vehicle repairs after you hit another vehicle or object, regardless of who’s at fault.
Comprehensive coverage
Comprehensive insurance kicks in to cover repairs that stem from falling objects, natural disasters, or other non-collision events.
Gap coverage
Gap insurance covers the difference between the current value of your vehicle and the remaining balance of your car loan or lease if your car is totaled.
Rental car reimbursement coverage
With rental car reimbursement, you can cover the cost of a rental car when your vehicle is in the repair shop after a covered incident.
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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Root | $64 | $96 | $94 | $95 |
| Bristol West | $74 | $105 | $101 | $123 |
| Safeco | $79 | $113 | $107 | $122 |
| The General | $99 | $142 | $138 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $224 |
| 20s | $148 |
| 30s | $104 |
| 40s | $101 |
| 50s | $93 |
| 60s | $95 |
| 70s | $113 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in North Dakota
Sources
- North Dakota State Government. "North Dakota Crime Statistics."
- Better Business Bureau. "Midvale Home and Auto."
- Better Business Bureau. "Bristol West."
- Vision Zero. "2 0 2 2 N O RTH DAKOTA CRASH SUMMARY."
- North Dakota Insurance Department. "Auto."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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