Cheap Auto Insurance Quotes in Grand Forks, ND (2023)
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If you're a Grand Forks resident buying car insurance, there's one coverage add-on you won't want to forget: flood protection. As a flat area located on the banks of the Red River, Grand Forks residents are no strangers to flooding.
But just because you'll need an added bit of protection on your car insurance policy doesn't mean you have to break the bank. With Insurify, you can find just the right policy at just the right price by comparing free insurance quotes from a variety of insurance carriers.
Car Insurance in Grand Forks, ND
The average cost of North Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Grand Forks, ND to find you the cheapest quotes in the area.
The average cost of car insurance in Grand Forks is $132 per month, or $1584 annually.
Car insurance in Grand Forks is $32 less than the average cost of car insurance in North Dakota.
The cheapest car insurance provider in Grand Forks on average is State Auto, but you should always compare quotes to find your best personal rate.
Cheap Car Insurance North Dakota
How to get the best and cheapest car insurance in Grand Forks, ND
FAQs - Grand Forks, ND Car Insurance
Cheapest Car Insurance in Grand Forks, ND
Insurance Provider in Grand Forks
State Farm $69 /mo
The General $116 /mo
North Dakota Cities
Fargo $79/mo
Bismarck $95/mo
Minot $96/mo
West Fargo $88/mo
Grand Forks $77/mo
North Dakota $87/mo
Average for ND
Minimum Car Insurance Requirements in North Dakota
All motor vehicles operated or parked on North Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
The minimum liability insurance requirements for private passenger vehicles in North Dakota[1] are:
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Dakota is a no-fault state, meaning both parties' insurance providers will pay for expenses, regardless of which party caused the accident.
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Dakota, this coverage pays for bodily injury only.
Grand Forks Car Insurance Rates by Driver Age
The average premium auto insurance rates for drivers in Grand Forks is substantially lower than other places across the nation. For example, younger drivers in their 20s should expect to pay only $149.54 a month on average. People in their 30s and 50s will be happy to see that their average premiums are less than $100, coming in at $99.17 and $81.00, respectively. There is a small jump in rates for those in their 40s, with averages around $118.94.
teens N/A
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Grand Forks Car Insurance Rates by Driving and Accident History
Driving records and accident history are two areas where insurance companies in Grand Forks go to determining the risk of a driver. This risk ultimately plays a factor in what rates you can expect to pay for auto insurance. Those with no violations and a clean record often have a lower rate and should expect to pay an average premium of $103.04. One violation that often has a negative impact on rates is an at-fault accident. These types of instances cause the average premium to rise to $127.
No Violation $104
Speeding Ticket N/A
Number of Quotes N/A
Failure to Stop for Red Light / Stop Sign N/A
High-risk Car Insurance North Dakota
DUI Car Insurance North Dakota
Grand Forks Car Insurance Rates by Credit Tier
Even though many cities around the United States focus on rewarding drivers with a good credit score, Grand Forks takes a different approach. Instead, they focus on providing affordable coverage for drivers who have experienced problems in the past with their credit scores. This can be seen in the average premiums for people with the poor rating, which is normally around $73.50. Others who fall into the average category can expect rates just north of $100, with an average of $108.22.
Excellent N/A
See More: Bad Credit Car Insurance North Dakota
Find local Grand Forks agents
Insure Forward
3311 S Washington St,
Grand Forks, ND 58201-7168
Vaaler Insurance, Inc.
2701 S Columbia Rd,
Thompson-Schaefer Insurance
311 S 4Th St,
Insurance Brokers of MN, Inc.
1551 28Th Ave S,
Gate City Insurance Agency
3205 South Washington Street,
Scott Corbin: Allstate Insurance
1521 24th Ave S Ste 101,
Randy Fenley - State Farm Insurance Agent
2750 S 26th St Ste A,
3350 S Columbia Rd suite a,
Jeremy Fulton Agency Inc American Family Insurance
Randy Kottsick - State Farm Insurance Agent
2600 Demers Ave #105,
Grand Forks, ND DMV Information
The Grand Forks Motor Vehicle Site Office is located at 1726 S Washington St., Suite 55, and can help you with vehicle registration services. For license services, the Grand Forks Driver's License Site Office is located down the road at the Department of Transportation at 1951 N Washington St. Both offices are open Monday through Friday from 8:30 a.m. to 4:30 p.m.
Public Transportation in Grand Forks, ND
The Cities Area Transit service offers 12 bus routes around Grand Forks. For intercity travel, the Empire Builder Amtrak line stops at the Grand Forks Amtrak Station and can help residents travel as far as Seattle, WA.
For more detailed North Dakota city level guides, check out these below.
Average Cost of Car Insurance Rates in North Dakota
DUI Car Insurance Rates in North Dakota
High-Risk Driver Car Insurance Rates in North Dakota
North Dakota Car Insurance with Bad Credit Rates
Short-Term Car Insurance in North Dakota
SR-22 Insurance in North Dakota
Green Driving in Grand Forks ND
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.
The state of North Dakota offers many green driver incentives, including federal tax credits, free low-speed vehicle registration, and discounts through some car insurance carriers.
Insurify's Greenest Cities
1%% of Hybrids / Electrics
When you're a driver in Grand Forks, the threat of water damage is never far away. That's why investing in a car insurance policy that meets your unique needs as a Grand Forks resident can give you much needed peace of mind. To keep you and your vehicle protected, compare car insurance quotes today on Insurify.
How does where I live affect my car insurance rates?
Plenty of factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they'll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in this ZIP code and set your insurance rates accordingly.
Will my credit score affect my car insurance rates in Grand Forks?
North Dakota car insurers are allowed to weigh a driver's credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums.
Who offers the cheapest car insurance in my area?
Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of insurance companies.
How Grand Forks Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Grand Forks, North Dakota below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Grand Forks drivers measure up to their fellow motorists across North Dakota in areas including speeding, DUIs, and more.
Most Popular Car in Grand Forks
City with the Most Speeding Tickets Rank in North Dakota
City with the Most Moving Violations Rank in North Dakota
City with the Most DUIs Rank in North Dakota
City with the Most Suspended Licenses in North Dakota
Accidents in Grand Forks
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Grand Forks drivers rank 1 in the number of car accidents per driver across all cities in North Dakota.
Percent of drivers in Grand Forks with an accident: 10.5%
DUI/DWIs in Grand Forks
While driving while intoxicated is never acceptable, it's a more common offense than many assume. Grand Forks drivers rank 3 in the number of DUI's per driver across all cities in North Dakota.
Percent of drivers in Grand Forks with a DUI: 3.9%
Reckless Drivers in Grand Forks
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they're imposing on both themselves and others. Among all cities in North Dakota, Grand Forks drivers rank 6 in the number of reckless driving offenses per driver.
Percent of drivers in Grand Forks with a reckless driving offense: 1.3%
Rude Drivers in Grand Forks
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Dakota, Grand Forks drivers rank 5 in rude driving infractions.
Percent of drivers in Grand Forks with a reckless driving violation: 1.8%
Speeding in Grand Forks
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Grand Forks drivers rank 7 in the number of speeding infractions per driver.
Percent of drivers in Grand Forks with a speeding ticket: 11.1%
Safest Drivers in Grand Forks
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Grand Forks drivers rank 3 in clean driving records across all cities in North Dakota.
Percent of drivers in Grand Forks with clean record: 73.3%
Hybrid/Electric Vehicle Ownership in Grand Forks
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV's. Grand Forks drivers rank 1 in hybrid and electric vehicle ownership across all cities in North Dakota.
Percent of drivers in Grand Forks with a hybrid/electric vehicle: 1.02%
North Dakota Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022