Cheapest Car Insurance Quotes in Grand Forks AFB

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Grand Forks AFB Car Insurance

^$ 20

/mo

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 AFB

The car insurance rate in Grand Forks AFB is $719 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $356, making it a popular choice for budget-conscious drivers. Rates in Grand Forks AFB 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 AFB

$719

Avg. Car Insurance in North Dakota

$817

National Average

$1278

Cheapest Car Insurance Companies in Grand Forks AFB

1st place: Nodak Mutual

At $356 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 $392 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $423 for six months, making it the third cheapest auto insurance company in Grand Forks AFB.

Grand Forks AFB Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Forks AFB, ND is Nodak Mutual, offering policies at just $356 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $392.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1218 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Forks AFB drivers find the best deals.

Cheap Car Insurance Companies in Grand Forks AFB, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$356	$61
Nationwide	$392	$66
American Family	$423	$71
USAA	$539	$91
North Star	$606	$103
Progressive	$700	$118
State Farm	$732	$123
North Star Mutual	$816	$136
Auto-Owners	$878	$150
Nodak	$946	$159
Allstate	$1024	$172
Farmers	$1218	$205

Key Takeaways

Way's key takeaways about car insurance in Grand Forks AFB

The auto insurance costs in Grand Forks AFB fall around $356 for six months.
The cheapest auto insurance company in Grand Forks AFB is North Star.
Teen drivers pay the highest rate in Grand Forks AFB at $770 per month.

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Cheapest Minimum Liability Car Insurance in Grand Forks AFB

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 AFB are given below.

North Star provides the cheapest minimum car insurance coverage in Grand Forks AFB. Their Average 6 Month Premium is $121. Farmers is the most expensive at $413 for the same period.

Cheapest Liability Coverage in Grand Forks AFB, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$121	$20
USAA	$126	$21
Nationwide	$136	$23
Nodak Mutual	$136	$23
North Star Mutual Insurance	$136	$23
North Star Mutual	$141	$24
Auto-Owners Insurance Co	$146	$25
American Family	$172	$29
Auto-Owners	$172	$29
Nodak	$172	$29
State Farm	$183	$31
Progressive	$188	$32
Allstate	$413	$70
Farmers	$413	$70

Cheapest Full Coverage Car Insurance in Grand Forks AFB

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 AFB is Nodak Mutual at $61 per month and $356 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Forks AFB, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$356	$61
Nationwide	$392	$66
American Family	$423	$71
USAA	$539	$91
North Star	$606	$103
Progressive	$700	$118
State Farm	$732	$123
North Star Mutual	$816	$136
Auto-Owners	$878	$150
Nodak	$946	$159
Allstate	$1024	$172
Farmers	$1218	$205

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Average Car Insurance in Grand Forks AFB 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 AFB, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Grand Forks AFB, 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 AFB'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 AFB

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 AFB,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 AFB at $24 per month. At $4574 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	$141	$24
Nodak Mutual	$146	$25
Nationwide	$162	$27
Auto-Owners Insurance Co	$183	$31
American Family	$674	$114
USAA	$695	$117
North Star Mutual	$1077	$183
Auto-Owners	$1140	$192
North Star	$1338	$228
State Farm	$1730	$291
Progressive	$1903	$320
Nodak	$2473	$412
Farmers	$4480	$754
Allstate	$4574	$770

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 AFB, Nationwide is the cheapest car insurance provider. At $199 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 AFB is State Farm, offering rates of around $3335 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$199	$33
American Family	$219	$37
Nodak Mutual	$308	$53
Progressive	$915	$154
USAA	$967	$165
North Star Mutual	$1353	$225
Allstate	$1646	$280
Nodak	$1940	$323
Farmers	$2373	$404
Auto-Owners	$2562	$427
State Farm	$3335	$567

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Car Insurance Rates with An Accident in Grand Forks AFB

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 AFB, ND, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Grand Forks AFB include Nationwide and Nodak Mutual, offering $136 and $178, respectively. Farmers is an expensive provider with an average six-month premium of $1646.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$136	$23
Nodak Mutual	$178	$30
Auto-Owners Insurance Co	$204	$34
North Star Mutual Insurance	$230	$39
American Family	$298	$50
USAA	$387	$65
Auto-Owners	$491	$83
State Farm	$585	$99
North Star Mutual	$800	$135
Progressive	$988	$166
North Star	$1072	$179
Nodak	$1113	$187
Allstate	$1396	$235
Farmers	$1646	$277

Grand Forks AFB Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Forks AFB ND. For example, the car insurance in Grand Forks AFB after a DUI increases to $731 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

Grand Forks AFB auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$910	$151
One Med/PIP claim	$910	$155
Not-at-fault accident	$925	$154
One comp claim	$941	$160
Two Med/PIP claims	$941	$157
Two comp claims	$988	$168
Failure to show documents	$994	$165
Driving with expired registration	$1014	$172
Failure to wear a seat belt	$1019	$170
Child safety restraint	$1024	$174
Driving without lights	$1024	$171
Cell phone violation	$1045	$178
Failure to yield	$1045	$174
Following too closely	$1045	$178
Illegal turn	$1045	$174
Texting while driving	$1045	$178
Driving too slowly	$1056	$176
Failure to stop at a red light	$1056	$180
Speeding in school zone	$1056	$176
Speeding 6 - 10 MPH over limit	$1067	$181
Wrong way/wrong lane	$1072	$179
Speeding 11 - 15 MPH over limit	$1077	$183
Speeding 16 - 20 MPH over limit	$1088	$181
Speeding 21 - 25 MPH over limit	$1088	$185
Improper passing	$1097	$183
Passing school bus	$1113	$189
In 65 MPH zone	$1118	$187
Operating a vehicle without permission	$1181	$201
At-fault accident - less than $1000	$1197	$200
Open container	$1239	$210
At-fault accident - $1000-$2000	$1250	$209
At-fault accident - greater than $2000	$1250	$212
Driving with a suspended license	$1479	$246
Refusal to submit to a chemical test	$1563	$266
Reckless driving	$1573	$262
DUI	$1641	$279
Racing	$1641	$274
Leaving scene of an accident/hit and run	$1683	$286

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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 AFB 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 AFB.

The cheapest car insurance premiums in Grand Forks AFB are offered by Nodak Mutual at $209 for a six-month policy. However, it can be as expensive as $2326 with companies like North Star Mutual.

Grand Forks AFB car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$209	$35
Grinnell Mutual	$235	$40
Nationwide	$251	$42
American Family	$371	$62
Progressive	$617	$104
USAA	$690	$116
State Farm	$758	$128
Nodak	$999	$168
Allied	$1040	$173
Auto-Owners	$1463	$249
Farmers	$1615	$272
Allstate	$1835	$309
North Star Mutual	$2326	$388

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 AFB are offered by American Family at $151. However, it can be as expensive as $2013 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grand Forks AFB after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$26
Nationwide	$162	$27
Nodak Mutual	$162	$27
Auto-Owners Insurance Co	$172	$29
State Farm	$423	$71
USAA	$685	$114
Progressive	$722	$121
Auto-Owners	$878	$146
North Star Mutual	$1024	$174
Allstate	$1202	$201
Nodak	$1385	$236
Farmers	$2013	$335

Car Insurance Price Trends in Grand Forks AFB, North Dakota

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

The average cost of full coverage in the Grand Forks AFB rose by $167 in January compared to $155 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Grand Forks AFB remained steady at $33 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Grand Forks AFB?

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

What is the cheapest car insurance in Grand Forks AFB?

The cheapest car insurance in Grand Forks AFB is $61 per month for full coverage.

How much is car insurance in Grand Forks AFB for teenagers?

Car insurance for teenagers costs $141 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 AFB?

The average cost of car insurance is $817 for a six-month policy. It will cost around $121 per month to insure your car in Grand Forks AFB.

Is car insurance expensive in Grand Forks AFB?

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

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

The best car insurance company in Grand Forks AFB ND is Nodak Mutual, offering $356 for a six-month policy.