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Key Takeaways

  • In comparison to the $2,163 yearly average for the state, auto insurance in Bismarck is $432 more expensive.
  • American Family offers the highest auto insurance premium cost by company.
  • The best auto insurance companies in Bismarck are Progressive, Allstate, State Farm and American Family.
  • Your zip code, the company you choose, and the kind of coverage you select are just a few of the variables that affect your vehicle insurance rates.
  • In Bismarck, North Dakota, motorists are required to carry liability insurance.

How Much does car insurance cost in Bismarck?

Single-vehicle drivers in Bismarck, North Dakota, pay an average of $1,730 yearly for car insurance or roughly $143 per month. In comparison to the $2,163 yearly average for the state, auto insurance in Bismarck is $432 more expensive.

Auto Insurance Cost by Company in Bismarck

Depending on the insurance company, auto insurance premiums can change. This is due to the fact that each insurance company places a slightly different weight on data like your driving record and credit score.

Even though the following auto insurance providers typically offer the most affordable auto insurance premiums, it's always wise to compare prices.

Companies in Bismarck Average Annual Premium
Progressive $558
Allstate $654
State Farm $846
American Family $1878

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Auto Insurance Cost by Age in Bismarck

Age Group Average Annual Premium
Teens $2286
20s $1434
30s $1134
40s $906
50s $774
60s $678
70s $1038

Auto Insurance Cost by Zip code in Bismarck

Zip code Average Annual Premium
58501 $1098
58502 $1218
58503 $1062
58504 $1134

What would increase your car insurance rate in Bismarck?

Your zip code, the company you choose, and the kind of coverage you select are just a few of the variables that affect your vehicle insurance rates.

You might discover that your charges differ from those of someone who lives nearby because providers will take your unique demographics into account when establishing your rates.

Auto theft Statistics in Bismarck

Year Auto Thefts Per 1000s
2006 92
2007 101
2008 94
2009 102
2010 76
2011 113
2012 103
2013 107
2014 112
2015 78
2016 289
2017 232
2018 210
2019 207

Auto Insurance in Bismarck: Minimum Insurance Requirements in North Dakota

Before getting on the road in Bismarck, drivers must have the minimum liability insurance required by the state. When you cause an accident and are at fault, this coverage assists in covering the costs for other people's losses, but it does not apply to you or your car.

To be able to drive legally in North Dakota, a driver must demonstrate their financial responsibility. The simplest way to achieve this is to buy car insurance with at least the state's minimal liability insurance:

  • Liability for bodily injury of $25,000 per person
  • $50,000 in responsibility for bodily liability per accident
  • Liability for property damage of $25,000 per incident

You must show proof of insurance coverage if you are involved in an accident or if law enforcement stops you. Additionally, you'll require it to register your car.

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Tips for safe driving in North Dakota

  • Reduce your speed and turn to the right to prevent a head-on accident if an approaching vehicle is in your lane.
  • Turn your car's rear in the direction it is moving if you begin to skid.
  • Don't panic or brake too hard.
  • Tap your brakes to signal to others behind you that you are slowing down and avoid being rear-ended.
  • Avoid being sidetracked while driving by activities like mobile phone use and loud music.
  • Pay close attention to the quality of the roads and drive more slowly when they are hazardous. Road surfaces may become slick after a rain.
  • Whenever you make a lane change or a turn, don't forget to utilize your turn signals.

Best Car Insurance Companies in Bismarck

  • Progressive
  • Allstate
  • State Farm
  • American Family

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

What is the average cost of car insurance in Bismarck?

In Bismarck, the average cost of auto insurance is $139 per month or $1678 annually.

What car insurance is required in Bismarck, North Dakota?

In Bismarck, North Dakota, motorists are required to carry liability insurance for property damage and personal injury to others, as well as uninsured/underinsured motorist protection.

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