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Cheap Car Insurance in Grand Forks, ND

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Everything You Need to Know about Auto Insurance in North Dakota

The third largest city in North Dakota, Grand Forks is one of the snowiest places in the country, with a third of the year retaining icy conditions. Despite this, it is one of the top college towns in the country, home to the University of North Dakota and North Dakota State University. It is also a thriving outdoor destination, home to the Greenway Trail system and some of the best bird-watching opportunities around. Kudos to the Butterfly Garden and Native Prairie Grassland for this distinction.

Some of Grand Forks’ most popular attractions include the North Dakota Museum of Art, Ralph Engelstad Arena, Memorial Monument, Grand Forks County Historical Society Myra Museum, and the River City Speedway.

All Grand Forks drivers must have an auto insurance policy to drive legally. Keep reading to learn more about car insurance in North Dakota, including the state’s minimum liability requirements, average premiums paid by ZIP code, and factors auto insurance companies use to calculate your premiums.

How Much Does Car Insurance Cost in Grand Forks, ND?

Grand Forks drivers pay an average monthly premium of $30 a month for state minimum liability and $100 for full coverage, which is an excellent deal compared to the national average of $140.

Reasons Why Insurance is So Cheap in North Dakota

There are many reasons why auto insurance is so cheap in North Dakota. One of the reasons is its population density. According to the US Census, North Dakota comes in 49th place in population.

Secondly, a relatively low percentage of uninsured drivers, auto theft, and severe weather events contribute to lower auto insurance rates.

Despite North Dakota’s status, do not forget that insurance rates are subject to change based on one’s age, gender, driving history, and dozens of other variables auto insurance companies use to assess risk and likelihood of future claims payouts.

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Affordable Car Insurance Rates Comparison by Cities in North Dakota

For the average monthly premium paid in other North Dakota cities, check out our breakdown below:

City Full Coverage Insurance Liability Insurance Coverage
Grand Forks $100 $30
Fargo $100 $30
Bismarck $110 $30
Minot $110 $30

Affordable Grand Forks Car Insurance Rates by Zip Code

Expect premiums to vary from zip code to zip code thanks to several factors, including theft, crime, and claims rate.

For the average monthly premium paid by Grand Forks residents by zip code, see our breakdown below:

Zip Code Full Coverage Insurance Liability Insurance Coverage
58201 $100 $30
58202 $100 $30
58203 $100 $30
58206 $100 $30
58207 $100 $30

Low-Cost Car Insurance Rates by Age in Grand Forks

One factor auto insurance companies use to determine your premiums is age. Generally, younger drivers pay higher premiums than older drivers, thanks to higher claims volume and riskier driving behavior. So, expect rates to taper off in your 30s, 40s, and 50s before eventually increasing after your 60s.

For the average monthly premium paid by Grand Forks residents by age, see our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $340 $110
20s $110 $40
30s $90 $30
40s $90 $30
50s $80 $30
60s $80 $30
70s $100 $40

* Methodology: To determine the average monthly premiums paid by Grand Forks drivers, we used the following demographic profile: 30-year-old male with a state minimum liability policy. You may pay higher or lower premiums based on age, gender, driving record, and dozens of other variables auto insurance companies use to determine your risk level.

Driving Conditions in Grand Forks

How Many Fatal Accidents Happen in Grand Forks?

In 2020, there were four fatal road traffic accidents in Grand Forks involving five vehicles and five people, including one pedestrian.

How Are the Road Infrastructure and Bridges in Grand Forks?

The City of Grand Forks has a Public Works department that works tirelessly to maintain and repair city road infrastructure and bridges. Responsibilities include storm sewer maintenance, repaving street surfaces, snow removal, and traffic signal maintenance.

Given North Dakota’s severe weather, priority is placed on winter operations, where Grand Forks’ goal is to make city streets passable within 24 hours after a snowfall. With more than 225 lane miles of city streets, Grand Forks Public Works has a tall task ahead of them.

Minimum Car Insurance Requirements in Grand Forks

All North Dakota drivers must carry a minimum 25/50/25 liability-only policy, which translates to the following:

Because North Dakota is a no-fault state, drivers will be compensated by their own insurance companies for property damage and medical costs, regardless of who is at fault. This is one reason drivers are required to carry more coverage than other states, including personal injury protection (PIP) and uninsured/underinsured motorist coverage.

What Are the Penalties for Driving Without Insurance in Grand Forks, ND?

We highly recommend not driving unless you have an active auto insurance policy anywhere in North Dakota.

For starters, driving without insurance is a Class B misdemeanor. that comes with the following penalties:

  • $150 to $1,000 fine for first-time offenders
  • $300 to $1,500 for second and subsequent offenders within one year of a first offense
  • Driver’s license/registration suspension (until proof of insurance is provided)
  • $50 license reinstatement fee
  • $10 fee for retaking driver’s license test

First-time offenders can expect fines from $150 to $1,000, along with a driver’s license and registration suspension until proof of insurance is provided to the state’s Department of Motor Vehicles.

On top of that, you can expect to file an SR-22 for one year, a certificate of financial responsibility that lets the state know you are carrying the minimum required liability insurance.

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Factors Allowed in Grand Forks Car Insurance Rates

There are many factors auto insurance companies use to determine how much Grand Forks drivers pay in premiums, not restricted to age, gender, and driving record.

Some of these factors include:

  • Education
  • Occupation
  • Driving record
  • Type of vehicle
  • Zip code
  • Credit score

Other factors that affect the cost of insurance premiums are your chosen deductibles and liability limits. Deductibles are the money policyholders must pay out of pocket to cover all expenses before insurance pays for the rest. Typically, higher deductibles are associated with lower premiums, thanks to policyholders assuming more financial risk in the event of a claim.

Insurance That Helps You Prepare for the Future

Outside of being required by state law, there are many benefits to being an active auto insurance policyholder. They include but are not limited to the following:

  • Financial Protection. Suppose you/your fellow passenger sustains injuries or the vehicle needs to be repaired or replaced after an accident. In that case, a full coverage policy with liability only, collision, and comprehensive insurance will help you pay for these expenses.
  • Required by Law. All states require that you carry at least the minimum required coverage to drive legally. Failure to do so will result in a suspended driver’s license/registration, fines, and legal penalties.
  • Protection against Uninsured or Underinsured Drivers. Your policy will cover you for bodily injury and property damages caused by drivers who do not have insurance or do not have enough insurance. Although only 13 percent of North Dakota drivers are estimated to be uninsured, we still recommend adding it for greater peace of mind.

What are the Best Car Insurance Discounts in Grand Forks, ND?

Grand Forks drivers can save on auto insurance in many ways, including being eligible and applying for various discount programs.

Discounts available to Grand Forks drivers include:

Not all insurers offer all of the discounts listed above. We highly recommend calling your insurance company to learn your available options.


Get an Online Quote for Car Insurance in Grand Forks Today!

Aerial View of Grand Forks, North Dakota in Autumn

Freeway Insurance is ready to help you find an affordable policy to protect yourself and your loved ones on the road.

To get started, visit us online, visit an office near you, or call 800-777-5620 for a free no-obligation consultation with one of our representatives. We look forward to hearing from you today!