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Cheapest car insurance in Bismarck, North Dakota (Nov 2024)
Cheapest car insurance in Bismarck, North Dakota (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Bismarck, North Dakota.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Bismarck
- Best Car Insurance Companies in Bismarck
- Best cheap car insurance quotes in Bismarck
- Average cost of car insurance in Bismarck
- Car insurance quotes in Bismarck by rating factors
- How do different factors impact your car insurance costs in Bismarck?
- Cheap car insurance quotes in Bismarck after driving violations
- Cheap car insurance quotes in Bismarck by age
- Cheap car insurance quotes in Bismarck based on insurance history
- Cheap car insurance quotes in Bismarck for popular cars
- How to lower car insurance costs in Bismarck
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Bismarck
On average,
auto insurance
in Bismarck costs about $88 per month for minimum coverage liability insurance, and about $201 per month for full coverage insurance. In Bismarck drivers pay 30% less than the national average. Smart car insurance shoppers in Bismarck, Alabama come to Jerry every month, because Jerry makes it easy for customers to
compare and buy car insurance quotes
. Below are some cheapest car insurance quotes Jerry found for our Bismarck customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Safeco | $147 | George, 50 Zip: 58501 | RAM 1500 Rebel | • State Minimum Liability • Comp / Collision |
| Allstate | $216 | Roger, 37 Zip: 58504 | Chevrolet Equinox LTZ | • 50,000/100,000 Liability • Comp / Collision |
| Nationwide | $127 | Jayden, 31 Zip: 58504 | Chevrolet Traverse LS | • 100,000/300,000 Liability • Comp / Collision |
| State Auto | $103 | Max, 34 Zip: 58503 | Subaru Forester Premium | • 100,000/300,000 Liability • Comp / Collision |
| State Auto | $128 | Lelia, 31 Zip: 58504 | Subaru Forester Premium | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Best Car Insurance Companies in Bismarck
There’s no “one-size-fits-all” policy when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing car insurance quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.
Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Bismarck rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 3.7 | N/A | N/A |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Bismarck
Most states require that drivers carry a minimum amount of
liability coverage
—and that includes North Dakota. North Dakota drivers must also carry uninsured/underinsured motorist coverage and personal injury protection (PIP). In many cases, it can be more beneficial for you to carry
full coverage
, which covers damages to your vehicle.Cheap minimum liability insurance quotes in Bismarck
Before you can legally take to the streets of Bismarck, you’ll need to have a car insurance policy that satisfies the state’s minimum requirements:
- Uninsured motorist coverage / underinsured motorist coverage: $25,000 per person, $50,000 per accident
These coverage limits are commonly referred to as 25/50/25.
Jerry helps drivers find quotes for affordable car insurance that meets
North Dakota’s car insurance laws
.
Fannie (36 years old)
CoverageState Minimum
Bismarck, ND (Zip Code: 58501)
GMC Yukon Denali XL$67
per month
Do you need more than minimum coverage in Bismarck?
Most drivers will benefit from additional car insurance coverage in Bismarck since severe accidents could easily exceed the coverage limits of a minimum liability policy. Plus, none of the required coverage types mentioned above will cover damages to your own vehicle—which could put you in a difficult financial situation if it’s totaled.
Even if you decide you don’t need full coverage, choosing higher limits can offer you better financial protection after an accident.
Bottom line: Consider opting for full coverage or 50/100/50 or 100/300/100 liability coverage to give yourself greater financial protection against potential damages.
Cheap full coverage car insurance quotes in Bismarck
Unlike a minimum liability policy, a full-coverage car insurance policy—which includes both
comprehensive coverage
and collision coverage
—will pay for damage to your own vehicle under a wide range of circumstances, such as crashes, severe weather, theft, and vandalism. Keep in mind: If you are financing or leasing your car, lenders typically require that you carry full-coverage insurance for the life of your loan or lease.
Luckily, Jerry makes it easy to find an affordable full-coverage car insurance policy in Bismarck.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $127 | Jayden, 31 Zip: 58504 | Chevrolet Traverse LS |
• State Minimum Liability • Comp / Collision | Safeco | $147 | George, 50 Zip: 58501 | RAM 1500 Rebel |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $216 | Roger, 37 Zip: 58504 | Chevrolet Equinox LTZ |
• 100,000/300,000 Liability • Comp / Collision | State Auto | $103 | Max, 34 Zip: 58503 | Subaru Forester Premium |
• State Minimum Liability • Comp / Collision | The General | $269 | Sue, 26 Zip: 58501 | GMC Terrain SLE |
Last Updated Nov 22, 2024The best—and fastest—way to compare
car insurance quotes
: Use a car insurance comparison app or website like Jerry.As a
licensed insurance broker app
, Jerry allows you to quickly and easily find and compare car insurance quotes online. With the help of 100+ licensed insurance agents, Jerry can even help you switch to your new policy and cancel your old one.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Bismarck
By helping so many drivers in Bismarck find car insurance, we've found that the average rate for minimum liability coverage is $88 per month or $1,054 per year. The average cost for full coverage insurance in Bismarck is $201per month or $2,412 per year, according to Jerry’s data.
Remember: Your actual auto insurance coverage costs will depend on a variety of factors unique to your driver profile, including your driving record, vehicle type, claims history, demographics, and the coverage level you choose.
In Bismarck, insurance rates for minimum liability coverage typically start at around $88 per month. Full coverage can cost closer to $201 per month, but costs vary based on each driver’s specific profile.
Car insurance quotes in Bismarck by rating factors
Every auto insurance company in Bismarck has its own methodology to
calculate your car insurance rate
. They’ll evaluate factors like:- Your driving record: You can generally expect to pay more for car insurance if you have accidents or violations on yourdriving record. Good drivers with clean records should find lower rates.
- Your claims history: Drivers who have filed insurance claims in the past are considered statistically more likely to file claims again.
- Where you live: Your ZIP code—even within the same city—can have a big impact on your rates due to factors like accidents, crime, and severe weather risks in your area.
- Your credit score: In many areas in North Dakota, including Bismarck, a strong credit history could help you secure a less expensive car insurance premium.
- What kind of vehicle you drive: Collision and comprehensive coverage generally cost more for newer, luxury, and sports cars.
- How you use your car: A daily commuter car will typically cost more to insure than one that’s only used occasionally.
How do different factors impact your car insurance costs in Bismarck?
How do different factors impact your car insurance costs in Bismarck?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): North Dakota currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Bismarck:
Cheap car insurance quotes in Bismarck after driving violations
Your driving record helps give insurers a sense of your habits as a driver. If you have a series of violations on your record, you can expect to pay steeper rates for car insurance. Some typical traffic violations that could raise your Bismarck car insurance costs include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
- Texting and driving
Cheapest car insurance in Bismarck after speeding ticket
Last Updated Nov 22, 2024Cheapest car insurance in Bismarck after DUI
DUI violations
result in some of the steepest car insurance rate increases. That said, seeking out multiple quotes can help you save as much as possible. Compare quotes on the Jerry app to find the lowest rate on car insurance after a DUI in Bismarck.
Rosetta (37 years old)
$71
per month
Cheapest car insurance in Bismarck after an at-fault accident
Yet another major factor that will affect your Bismarck insurance premium is your accident or claims history. Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.
While North Dakota is a
no-fault state
, drivers can still be deemed at-fault and responsible for property damage after a collision—and filing an at-fault accident claim can increase your premiums by as much as 15%. Luckily, Jerry has helped Bismarck drivers save on car insurance even with at-fault accidents in their driving record.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | State Auto | $103 | May, 33 Zip: 58504 | Subaru Forester Premium | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | State Auto | $103 | Dora, 33 Zip: 58504 | Subaru Forester Premium | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Bismarck after other driving violations
It isn’t just DUIs or speeding tickets—there are plenty of other driving violations that can impact your Bismarck car insurance costs, such as a
reckless driving charge
or driving with a suspended license
. Your car insurance rate might even go up if you commit one too many minor violations, like
driving without a seatbelt
. Your rate increase will depend on your provider and the severity of the offense(s).
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Allstate | $59 | Nannie, 41 Zip: 58505 | Hyundai Kona | • 50,000/100,000 Liability |
Defective Equipment | Progressive | $65 | Carl, 35 Zip: 58501 | Mercedes-Benz C | • 50,000/100,000 Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Bismarck by age
Age plays a significant role in determining the cost of your car insurance premium.
Young drivers see some of the highest rates due to a lack of experience on the road (so far). Fortunately, by age 25, rates gradually start decreasing for safe drivers.
Car insurance for seniors
tends to rise around age 75.Cheapest car insurance in Bismarck for young drivers
Teen drivers aged 16 to 19 will have the highest average insurance costs in Bismarck.
Because teen drivers are statistically more likely to get into accidents, full coverage is worth consideration—especially for those driving newer vehicles. Keeping a younger driver on a parent or guardian’s policy can also help keep
teen car insurance rates
down.Cheapest car insurance in Bismarck for senior drivers
Car insurance rates generally start to rise again when drivers reach their mid-70s.
This is due to various factors, such as a higher risk of getting into an accident and a higher risk of sustaining severe injuries when accidents happen.
Cheap car insurance quotes in Bismarck based on insurance history
Your insurance history can also have an impact on your current car insurance rate. For example, if you had a
lapse in insurance coverage
, you might have a more expensive premium than you would otherwise.Good news: Jerry sends customers payment reminders to help avoid missed or late payments, and ultimately, lapses in coverage.
But even if you have experienced a coverage lapse, you might still be able to find savings by shopping around.
Curtis (30 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Bismarck, ND (Zip Code: 58504)
$127
per month
Eunice (30 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Bismarck, ND (Zip Code: 58504)
$128
per month
Richard (30 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Bismarck, ND (Zip Code: 58504)
$128
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switched to Progressive and was able to immediately reduce my car insurance by $30+ for the same coverage. Great customer service as well. Totally recommend to anyone!
Janaka
When I had to get my first car insurance policy, I wasn't sure what I needed or how much I should pay. Turns out, I was able to get a really affordable State Farm policy that covered everything!
Rachel
Straight forward and not overpriced. A good bargain insurance for someone with an old car.
Cam
Pot of gold
Ryan
Cheap car insurance quotes in Bismarck for drivers with poor credit
In North Dakota, insurance companies are allowed to consider your
credit history
when determining your car insurance rate. Drivers with poor credit are statistically more likely to file insurance claims and often see higher rates as a result.On the flip side, drivers with good credit will find it easier to get lower rates.
Our data shows that drivers with credit scores of 750 or higher see insurance costs that are almost 20% lower than the average cost for drivers with credit scores of 550 or lower.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | State Auto | $128 | Eugene, 30 Zip: 58504 | Subaru Forester Premium | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Allstate | $216 | Amy, 36 Zip: 58504 | Chevrolet Equinox LTZ | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Allstate | $216 | Betty, 36 Zip: 58504 | Chevrolet Equinox LTZ | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | The General | $269 | Bernice, 25 Zip: 58501 | GMC Terrain SLE | • State Minimum Liability • Comp / Collision |
< 550 | The General | $111 | Lillie, 33 Zip: 58504 | Jeep Grand Cherokee Limited | • State Minimum Liability |
Last Updated Nov 22, 2024Cheap car insurance quotes in Bismarck for popular cars
The vehicle you own also affects what you pay for car insurance. Insurers will look at your vehicle’s make and model, its age, its safety features, and its potential repair and replacement costs.
The most popular car models in Bismarck include:
Last Updated Nov 22, 2024How to lower car insurance costs in Bismarck
1. Shop around and compare quotes
Each car insurance company in Bismarck has different methods of calculating your premiums—and these methods can constantly change! That’s why it’s recommended that you compare quotes from at least three different insurers and shop for rates every six months to determine the most affordable car insurance available to you.
Though researching quotes can seem daunting and time-consuming, Jerry makes the process simple. In just 45 seconds, Jerry cross-analyzes quotes from over 55 top insurers nationwide to track down the best car insurance rates available to you. Even better: the entire process is completely free!
2. Hunt for car insurance discounts
One of the easiest ways to shave a little extra off your rates is to look for
car insurance discounts
. Most insurers feature several, often including the following: - Bundling: You can usually cut the costs on more than one policy if you purchase multiple policies, likecar and auto insurance, through the same insurer.
- Safe driver: In most cases, you can save as much as 20% off your premiums by maintaining a clean driving record with few or no claims for a certain time frame.
- Good student: If you’re fully enrolled in school and you have a GPA of 3.0 or higher, you may be rewarded with a percentage off your premiums.
- Low mileage: Driving less puts your vehicle at less risk of accidents. Because of this, many insurance companies offer lower rates if you put less than 10,000 miles on your vehicle each year.
3. Increase your deductible for comprehensive and collision coverage
In exchange for more manageable monthly rates, it may make sense for you to raise your comprehensive and collision coverage deductibles. While you will pay more out-of-pocket with a higher deductible, it could actually be a better long-term choice—especially if you’re a safe driver and your vehicle has a higher value.
FAQ
How much is car insurance in Bismarck?
People living in Bismarck pay on average $88 per month – or $1,054 per year – on state-minimum liability coverage. Full coverage in Bismarck costs on average $201 per month of $2,412 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Bismarck?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Allstate
, Geico
, and Nationwide
receive good ratings from Bismarck drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the cheapest car insurance in Bismarck?
Based on thousands of Bismarck drivers Jerry has worked with, car insurance in Bismarck costs an average of $88 per month for state-minimum coverage and $201 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Bismarck, North Dakota?
The state-minimum car insurance in Bismarck, North Dakota is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.