{"id":43796,"date":"2023-06-15T12:23:16","date_gmt":"2023-06-15T19:23:16","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=43796"},"modified":"2023-09-22T04:17:03","modified_gmt":"2023-09-22T11:17:03","slug":"grand-forks-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/north-dakota-car-insurance\/grand-forks-car-insurance\/","title":{"rendered":"Grand Forks Car Insurance"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648265a37f3d2\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Everything You Need to Know about Auto Insurance in North Dakota<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Some of Grand Forks&#8217; 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.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">All Grand Forks drivers must have an auto insurance policy to drive legally. Keep reading to learn more about <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/north-dakota-car-insurance\/\">car insurance in North Dakota<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> including the state&#8217;s minimum liability requirements, average premiums paid by ZIP code, and factors auto insurance companies use to calculate your premiums.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648265da7f3d3\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Grand Forks, ND?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Grand Forks drivers pay an average monthly premium of $30 a month for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/state-requirements\/\">state minimum liability<\/a><\/strong><span style=\"font-weight: 400;\"> and $100 for <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> which is an excellent deal compared to the national average of $140.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>Reasons Why Insurance is So Cheap in North Dakota<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Secondly, a relatively low percentage of uninsured drivers, auto theft, and severe weather events contribute to lower auto insurance rates.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Despite North Dakota&#8217;s status, do not forget that insurance rates are subject to change based on one&#8217;s age, gender, driving history, and dozens of other variables auto insurance companies use to assess risk and likelihood of future claims payouts.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_648266027f3d5\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">Affordable Car Insurance Rates Comparison by Cities in North Dakota<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid in other North Dakota cities, check out our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><b>Grand Forks<\/b><\/td>\n                                                                                            <td><b>$100<\/b><\/td>\n                                                                                            <td><b>$30<\/b><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Fargo<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Bismarck<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Minot<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_648266537f3d6\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Affordable Grand Forks Car Insurance Rates by Zip Code<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Expect premiums to vary from zip code to zip code thanks to several factors, including theft, crime, and claims rate.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid by Grand Forks residents by zip code, see our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>58201<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>58202<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>58203<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>58206<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>58207<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_648266a67f3d7\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>Low-Cost Car Insurance Rates by Age in Grand Forks<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">One factor auto insurance companies use to determine your premiums is age. Generally, <\/span><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/does-cheap-car-insurance-for-young-drivers-exist\/\">younger drivers<\/a><\/strong><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For the average monthly premium paid by Grand Forks residents by age, see our breakdown below:<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table--full c-regional-page-table__table--large table-text--center\">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$340<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$110<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$90<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$90<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$80<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$80<\/td>\n                                                                                            <td>$30<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$100<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p style=\"text-align: left;\"><b><i>* Methodology:<\/i><\/b><i><span style=\"font-weight: 400;\"> 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.<\/span><\/i><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648267387f3d9\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Grand Forks<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\"><b>How Many Fatal Accidents Happen in Grand Forks?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">In 2020, there were four fatal road traffic accidents in Grand Forks involving five vehicles and five people, including one pedestrian.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>How Are the Road Infrastructure and Bridges in Grand Forks?<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Given North Dakota&#8217;s severe weather, priority is placed on winter operations, where Grand Forks&#8217; 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.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648267537f3da\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Grand Forks<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">All North Dakota drivers must carry a minimum 25\/50\/25 <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\">liability-only policy<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> which translates to the following:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\"><span style=\"font-weight: 400;\"><strong>Bodily injury or death coverage<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> for one person in a single accident: $25,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury or death coverage for multiple people in a single accident: $50,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\"><span style=\"font-weight: 400;\"><strong>Property damage<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> per accident: $25,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured motorist coverage per person: $25,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured motorist coverage per accident: $50,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\"><span style=\"font-weight: 400;\"><strong>Personal injury protection<\/strong><\/span><\/a><span style=\"font-weight: 400;\"><strong>:<\/strong> $30,000<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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 <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/uninsured-motorist\/\">uninsured\/underinsured motorist coverage<\/a>.<\/strong><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648267867f3db\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Grand Forks, ND?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">We highly recommend not driving unless you have an active auto insurance policy anywhere in North Dakota.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">For starters, driving without insurance is a Class B misdemeanor. that comes with the following penalties:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$150 to $1,000 fine for first-time offenders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$300 to $1,500 for second and subsequent offenders within one year of a first offense<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driver&#8217;s license\/registration suspension (until proof of insurance is provided)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$50 license reinstatement fee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$10 fee for retaking driver&#8217;s license test<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">First-time offenders can expect fines from $150 to $1,000, along with a driver&#8217;s license and registration suspension until proof of insurance is provided to the state&#8217;s Department of Motor Vehicles.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">On top of that, you can expect to file an <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">SR-22<\/a><\/strong><span style=\"font-weight: 400;\"> for one year, a certificate of financial responsibility that lets the state know you are carrying the minimum required liability insurance.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648267ba7f3dd\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Grand Forks Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Some of these factors include:<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Education<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Occupation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving record<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zip code<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit score<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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, <\/span><strong><a href=\"https:\/\/www.freeway.com\/knowledge-center\/health-insurance\/high-deductibles-pros-cons\/\">higher deductibles<\/a><\/strong><span style=\"font-weight: 400;\"> are associated with lower premiums, thanks to policyholders assuming more financial risk in the event of a claim.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_648267da7f3de\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Insurance That Helps You Prepare for the Future<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                        \n                            <div class=\"c-sections__list-column \">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">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:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; text-align: left;\" aria-level=\"1\"><b>Financial Protection. <\/b><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: left;\" aria-level=\"1\"><b>Required by Law. <\/b><span style=\"font-weight: 400;\">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&#8217;s license\/registration, fines, and legal penalties.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: left;\" aria-level=\"1\"><b>Protection against Uninsured or Underinsured Drivers.<\/b><span style=\"font-weight: 400;\"> 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 <\/span><strong><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noopener\">13 percent of North Dakota drivers are estimated to be uninsured<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> we still recommend adding it for greater peace of mind.<\/span><\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_648268067f3df\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">What are the Best Car Insurance Discounts in Grand Forks, ND?<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Grand Forks drivers can save on auto insurance in many ways, including being eligible and applying for various <\/span><strong><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">discount<\/a><\/strong><span style=\"font-weight: 400;\"> programs.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Discounts available to Grand Forks drivers include:<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/college-student-drivers\/\">Student discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/05\/Vehicle-safety-discount.svg\" alt=\"Hands holding a box with a check mark\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/good-driver-discounts\/\">Safe driving discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/multi-policy.svg\" alt=\"Pink icon of a document with a checklist\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">Multi-policy discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/anti-theft-car-discount\/\">Anti-theft device installation discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/10\/icon-discounts.svg\" alt=\"Green icon of a hand with percentage sign\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/customer-retention-discount\/\">Loyalty discount<\/a><\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/08\/Auto-Pay-Car-Insurance-Discount.svg\" alt=\"Hand with money paying an auto discount\">\n                            <p class=\"c-saving-features__list-text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/auto-pay-car-insurance-discount\/\">Auto-pay discount<\/a><\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Not all insurers offer all of the discounts listed above. We highly recommend calling your insurance company to learn your available options.<\/span><\/p>\n<p>&nbsp;<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_648268e77f3e6\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get an Online Quote for Car Insurance in Grand Forks Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Grandforksnd-1.jpg\" alt=\"Aerial View of Grand Forks, North Dakota in Autumn\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Freeway Insurance is ready to help you find an affordable policy to protect yourself and your loved ones on the road.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">To get started, visit us <\/span><strong><a href=\"#modal-turbo\">online<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> visit an <\/span><strong><a href=\"http:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">office <\/a><\/strong><span style=\"font-weight: 400;\">near you, or call <\/span><strong><a href=\"tel:800-777-5620\">800-777-5620<\/a><\/strong><span style=\"font-weight: 400;\"> for a free no-obligation consultation with one of our representatives. We look forward to hearing from you today!<\/span><\/p>\n                <\/div>\n                                            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":37965,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43796"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=43796"}],"version-history":[{"count":11,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43796\/revisions"}],"predecessor-version":[{"id":46024,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/43796\/revisions\/46024"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/37965"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=43796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}