Cheapest Car Insurance Quotes in Grand Forks

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Grand Forks Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Grand Forks

The car insurance rate in Grand Forks is $671 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $351, making it a popular choice for budget-conscious drivers. Rates in Grand Forks can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Grand Forks

$671

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Grand Forks

1st place: Nodak Mutual

At $351 for a six month policy, Nodak Mutual offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $388 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $501 for six months, making it the third cheapest auto insurance company in Grand Forks.

Grand Forks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Forks, ND is Nodak Mutual, offering policies at just $351 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $388.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1070 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Forks drivers find the best deals.

Cheap Car Insurance Companies in Grand Forks, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$351	$60
Nationwide	$388	$65
USAA	$501	$84
American Family	$594	$100
North Star	$599	$102
Progressive	$610	$103
State Farm	$703	$118
Auto-Owners	$786	$131
Nodak	$801	$135
Allstate	$982	$165
Farmers	$1070	$180

Key Takeaways

Way's key takeaways about car insurance in Grand Forks

The auto insurance costs in Grand Forks fall around $351 for six months.
The cheapest auto insurance company in Grand Forks is North Star.
Teen drivers pay the highest rate in Grand Forks at $733 per month.

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Cheapest Minimum Liability Car Insurance in Grand Forks

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Grand Forks are given below.

North Star provides the cheapest minimum car insurance coverage in Grand Forks. Their Average 6 Month Premium is $119. Allstate is the most expensive at $413 for the same period.

Cheapest Liability Coverage in Grand Forks, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$119	$20
North Star Mutual	$119	$20
USAA	$119	$20
Nationwide	$134	$23
Nodak Mutual	$134	$23
North Star Mutual Insurance	$134	$23
Auto-Owners Insurance Co	$144	$24
Nodak	$165	$28
Auto-Owners	$171	$29
Progressive	$176	$30
State Farm	$176	$30
American Family	$222	$37
Farmers	$398	$67
Allstate	$413	$70

Cheapest Full Coverage Car Insurance in Grand Forks

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Grand Forks is Nodak Mutual at $60 per month and $351 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Forks, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$351	$60
Nationwide	$388	$65
USAA	$501	$84
American Family	$594	$100
North Star	$599	$102
Progressive	$610	$103
State Farm	$703	$118
Auto-Owners	$786	$131
Nodak	$801	$135
Allstate	$982	$165
Farmers	$1070	$180

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Average Car Insurance in Grand Forks by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Grand Forks, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Grand Forks, North Dakota, may be increasing due to several external factors. North Dakota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Grand Forks's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Grand Forks

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Grand Forks,ND

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the Grand Forks at $23 per month. At $4351 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$139	$23
Nodak Mutual	$144	$24
Nationwide	$160	$27
Auto-Owners Insurance Co	$181	$30
USAA	$620	$104
American Family	$1065	$179
Auto-Owners	$1090	$184
North Star	$1323	$220
Progressive	$1633	$275
State Farm	$1659	$279
Nodak	$1912	$325
Farmers	$4000	$673
Allstate	$4351	$733

Teen Car Insurance Rates in ND by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Grand Forks, Nationwide is the cheapest car insurance provider. At $197 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Grand Forks is State Farm, offering rates of around $2419 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$197	$33
Nodak Mutual	$305	$52
Progressive	$693	$117
American Family	$837	$141
USAA	$858	$143
Nodak	$1494	$254
Allstate	$1529	$255
Farmers	$1923	$327
Auto-Owners	$2336	$389
State Farm	$2419	$412

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Car Insurance Rates with An Accident in Grand Forks

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Grand Forks, ND, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Forks

The cheapest car insurance companies after an at-fault accident in Grand Forks include Nationwide and Nodak Mutual, offering $134 and $176, respectively. Farmers is an expensive provider with an average six-month premium of $1447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$134	$23
Nodak Mutual	$176	$30
Auto-Owners Insurance Co	$202	$34
North Star Mutual	$202	$34
North Star Mutual Insurance	$227	$38
USAA	$351	$59
American Family	$455	$77
Auto-Owners	$455	$77
State Farm	$563	$95
Progressive	$847	$143
Nodak	$873	$147
North Star	$1060	$180
Allstate	$1334	$224
Farmers	$1447	$244

Grand Forks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Forks ND. For example, the car insurance in Grand Forks after a DUI increases to $723 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Grand Forks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$900	$150
One Med/PIP claim	$900	$153
Not-at-fault accident	$914	$152
One comp claim	$930	$158
Two Med/PIP claims	$930	$155
Two comp claims	$977	$166
Failure to show documents	$982	$164
Driving with expired registration	$1002	$171
Failure to wear a seat belt	$1007	$168
Child safety restraint	$1013	$172
Driving without lights	$1013	$169
Cell phone violation	$1034	$176
Failure to yield	$1034	$172
Following too closely	$1034	$176
Illegal turn	$1034	$172
Texting while driving	$1034	$176
Driving too slowly	$1044	$174
Failure to stop at a red light	$1044	$177
Speeding in school zone	$1044	$174
Speeding 6 - 10 MPH over limit	$1054	$179
Wrong way/wrong lane	$1060	$177
Speeding 11 - 15 MPH over limit	$1065	$181
Speeding 16 - 20 MPH over limit	$1075	$179
Speeding 21 - 25 MPH over limit	$1075	$183
Improper passing	$1085	$181
Passing school bus	$1101	$187
In 65 MPH zone	$1106	$184
Operating a vehicle without permission	$1168	$198
At-fault accident - less than $1000	$1183	$197
Open container	$1225	$208
At-fault accident - $1000-$2000	$1235	$206
At-fault accident - greater than $2000	$1235	$210
Driving with a suspended license	$1462	$244
Refusal to submit to a chemical test	$1545	$263
Reckless driving	$1556	$259
DUI	$1623	$276
Racing	$1623	$271
Leaving scene of an accident/hit and run	$1664	$283

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Grand Forks after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Grand Forks.

The cheapest car insurance premiums in Grand Forks are offered by Nodak Mutual at $207 for a six-month policy. However, it can be as expensive as $1747 with companies like Allstate.

Grand Forks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$207	$35
Grinnell Mutual	$232	$39
Nationwide	$248	$42
Progressive	$538	$90
American Family	$584	$98
USAA	$620	$104
State Farm	$724	$122
Nodak	$796	$134
Allied	$1028	$171
Auto-Owners	$1328	$226
Farmers	$1416	$238
Allstate	$1747	$294

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Grand Forks are offered by Nationwide at $160. However, it can be as expensive as $2243 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Grand Forks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$160	$27
Nodak Mutual	$160	$27
Auto-Owners Insurance Co	$171	$29
American Family	$408	$69
State Farm	$408	$69
USAA	$480	$82
Progressive	$589	$99
Auto-Owners	$724	$123
Nodak	$786	$131
Farmers	$2222	$378
Allstate	$2243	$374

Car Insurance Price Trends in Grand Forks, North Dakota

Car insurance rates in Grand Forks have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Grand Forks rose by $153 in December compared to $152 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Grand Forks remained steady at $32 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Grand Forks?

The car insurance in Grand Forks is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Grand Forks?

The cheapest car insurance in Grand Forks is $60 per month for full coverage.

How much is car insurance in Grand Forks for teenagers?

Car insurance for teenagers costs $139 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Grand Forks?

The average cost of car insurance is $771 for a six-month policy. It will cost around $112 per month to insure your car in Grand Forks.

Is car insurance expensive in Grand Forks?

Car insurance can be expensive in Grand Forks if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Grand Forks can be affordable.

What is the best car insurance in Grand Forks, ND?

The best car insurance company in Grand Forks ND is Nodak Mutual, offering $351 for a six-month policy.