Best Cheap Auto Insurance in Bismarck, ND (2021)

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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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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.

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Things to Remember

  • 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.

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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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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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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.

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

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.

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

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.

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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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.

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

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.

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 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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