Best Cheap Auto Insurance in Grand Forks, ND (2021)

The average Grand Forks, ND auto insurance rates are $311 per month. The minimum auto insurance in Grand Forks is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Grand Forks, 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 17, 2021

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Things to Remember

  • The minimum auto insurance required in Grand Forks, North Dakota is 25/50/25
  • The most expensive auto insurance company in Grand Forks for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Grand Forks is USAA

Grand Forks, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in Grand Forks 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 Grand Forks, North Dakota, including driving record, credit, commute time, and more.

Compare auto insurance in Grand Forks to other North Dakota cities, including Fargo auto insurance rates, West Fargo auto insurance rates, and Mandan auto insurance rates to see how Grand Forks, North Dakota auto insurance rates stack up.

Before you buy Grand Forks, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Grand Forks, North Dakota auto insurance quotes.

Minimum Auto Insurance in Grand Forks, North Dakota

Grand Forks, 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 Grand Forks, North Dakota.

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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Cheap Grand Forks, North Dakota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Grand Forks, 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 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

Cheap Grand Forks, North Dakota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Grand Forks, North Dakota is a challenge. Take a look at the annual teen auto insurance rates in Grand Forks, North Dakota.

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

Cheap Grand Forks, North Dakota Auto Insurance for Seniors

What are senior auto insurance rates in Grand Forks, North Dakota? Take a look at the annual average rates for older drivers.

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

Cheap Grand Forks, 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 Grand Forks, North Dakota compared to the annual auto insurance rates with a clean record in Grand Forks, North Dakota.

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

Cheap Grand Forks, North Dakota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Grand Forks, North Dakota is not easy. Compare the annual rates for DUI auto insurance in Grand Forks, North Dakota to find the best deal.

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

Cheap Grand Forks, North Dakota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Grand Forks, North Dakota annual auto insurance rates by credit history compare.

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

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Cheap Grand Forks, North Dakota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Grand Forks, North Dakota can vary. Compare the annual cost of auto insurance by ZIP code in Grand Forks, North Dakota to see how car insurance rates are affected by location.

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

Cheap Grand Forks, North Dakota Auto Insurance Rates By Commute

Commute length and annual mileage affect Grand Forks, North Dakota auto insurance. Find the cheapest annual Grand Forks, North Dakota auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Grand Forks, North Dakota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Grand Forks, North Dakota? Check out the comparison of annual Grand Forks, North Dakota 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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Best By Category: Cheapest Auto Insurance in Grand Forks, North Dakota

Compare the cheapest auto insurance companies in Grand Forks, 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 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

The Cheapest Grand Forks, North Dakota Auto Insurance Companies

What auto insurance companies in Grand Forks, North Dakota are the cheapest? Compare the top Grand Forks, North Dakota auto insurance companies to find the best annual rates.

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 auto insurance rates in Grand Forks, North Dakota?

There are a lot of reasons why auto insurance rates in Grand Forks, North Dakota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Grand Forks, North Dakota. Many local factors may affect your Grand Forks auto insurance rates.

Grand Forks Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Grand Forks, North Dakota commute length is 13.7 minutes according to City-Data.

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Compare Grand Forks, North Dakota Auto Insurance Quotes

Before you buy Grand Forks, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Grand Forks, 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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