Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Bismarck, ND for senior drivers are $2,161/year
  • Average car insurance rates in Bismarck, ND are $336/month
  • The cheapest car insurance company in Bismarck after a DUI is State Farm

Average car insurance rates in Bismarck, North Dakota are $336 a month. But with a little research you can get a great deal from the top car insurance companies in Bismarck, ND. Before you buy Bismarck, North Dakota car insurance, make sure your coverage meets or exceeds the North Dakota minimum of 25/50/25.

It may even be helpful to compare Bismarck car insurance rates with Mandan car insurance rates, Williston car insurance rates, or Dickinson car insurance rates to make sure you’re getting the best Bismarck, ND car insurance quotes available.

Need affordable Bismarck, ND car insurance? Enter your ZIP code to compare Bismarck car insurance quotes from multiple car insurance companies near you.

Bismarck, ND Minimum Car Insurance Coverage

Bismarck, North Dakota law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Bismarck, North Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Bismarck, ND Car Insurance Rates by Coverage Level

Some Bismarck drivers can get by with the North Dakota minimum coverage of 25/50/25. Other drivers may need more. See how much your Bismarck, North Dakota car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Bismarck, North Dakota

Insurance Company Low Medium High
Allstate $5,025 $5,113 $5,206
American Family $3,794 $3,876 $3,416
Farmers $2,801 $2,866 $2,976
GEICO $2,330 $2,377 $2,438
Liberty Mutual $11,690 $11,929 $12,334
Nationwide $2,489 $2,544 $2,635
Progressive $3,350 $3,444 $3,561
State Farm $2,276 $2,358 $2,414
USAA $1,858 $1,911 $1,960

Bismarck, ND Car Insurance Rates by Age, Gender, and Marital Status

Bismarck, North Dakota car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Bismarck, ND car insurance, get quotes from multiple car insurance companies in the Bismarck area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bismarck, North Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,922 $2,968 $2,552 $2,718 $10,585 $12,334 $3,275 $3,564
American Family $2,627 $2,627 $2,382 $2,382 $5,680 $8,173 $2,627 $3,065
Farmers $1,687 $1,653 $1,503 $1,570 $6,273 $6,432 $1,916 $2,013
GEICO $1,884 $1,867 $1,616 $1,634 $3,772 $4,721 $1,703 $1,857
Liberty Mutual $6,530 $7,048 $5,251 $6,372 $26,672 $29,757 $6,807 $7,437
Nationwide $1,784 $1,821 $1,604 $1,704 $4,174 $5,133 $2,053 $2,175
Progressive $1,961 $1,861 $1,595 $1,651 $7,419 $8,278 $2,410 $2,438
State Farm $1,454 $1,454 $1,304 $1,304 $4,330 $5,452 $1,635 $1,863
USAA $1,071 $1,063 $876 $876 $3,708 $4,470 $1,542 $1,670

Bismarck, ND Car Insurance Rates for Teens

How much is Bismarck, North Dakota car insurance for teens? Compare rates from top Bismarck car insurance companies below to help find the cheapest teen car insurance in Bismarck, ND.

Annual Car Insurance Rates for Teen Drivers in Bismarck, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,585 $12,334
American Family $5,680 $8,173
Farmers $6,273 $6,432
GEICO $3,772 $4,721
Liberty Mutual $26,672 $29,757
Nationwide $4,174 $5,133
Progressive $7,419 $8,278
State Farm $4,330 $5,452
USAA $3,708 $4,470

Bismarck, ND Car Insurance Rates for Seniors

Before seniors buy Bismarck, North Dakota car insurance, they should make sure to shop around. Some Bismarck, ND car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Bismarck, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,552 $2,718
American Family $2,382 $2,382
Farmers $1,503 $1,570
GEICO $1,616 $1,634
Liberty Mutual $5,251 $6,372
Nationwide $1,604 $1,704
Progressive $1,595 $1,651
State Farm $1,304 $1,304
USAA $876 $876

Bismarck, ND Car Insurance Rates by Credit History

How does your credit history affect Bismarck, ND car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Bismarck, North Dakota

Insurance Company Poor Fair Good
Allstate $6,424 $4,905 $4,015
American Family $4,868 $3,373 $2,845
Farmers $3,324 $2,728 $2,591
GEICO $2,848 $2,295 $2,002
Liberty Mutual $17,364 $10,431 $8,158
Nationwide $3,102 $2,433 $2,132
Progressive $3,972 $3,335 $3,048
State Farm $3,286 $2,089 $1,672
USAA $2,634 $1,671 $1,425

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Bismarck, ND Car Insurance Rates by Driver History

How does a single speeding ticket affect your Bismarck, North Dakota car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Bismarck.

Annual Bismarck, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,205 $4,598 $6,837 $4,819
American Family $2,702 $3,858 $5,130 $3,091
Farmers $2,426 $3,104 $3,064 $2,930
GEICO $1,390 $2,308 $3,595 $2,234
Liberty Mutual $10,625 $12,018 $13,021 $12,273
Nationwide $1,902 $2,603 $3,565 $2,154
Progressive $3,183 $3,933 $3,222 $3,469
State Farm $2,149 $2,549 $2,349 $2,349
USAA $1,357 $1,922 $2,685 $1,675

Bismarck, ND Car Insurance Rates With a DUI

Even a single DUI can increase your Bismarck, ND car insurance rates. Compare rates below to see which Bismarck car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Bismarck, North Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,837
American Family $5,130
Farmers $3,064
GEICO $3,595
Liberty Mutual $13,021
Nationwide $3,565
Progressive $3,222
State Farm $2,349
USAA $2,685

Bismarck, ND Car Insurance Rates by ZIP Code

Just like Bismarck car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Bismarck, ND car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bismarck, North Dakota

ZIP Code Average Annual Rates
58501 $4,243
58503 $4,251
58504 $4,281

Bismarck, ND Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Bismarck, ND car insurance rates may be. Let’s take a look at average car insurance rates from top Bismarck companies based on commute time.

Annual Car Insurance Rates by Commute Length in Bismarck, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,989 $5,241
American Family $3,650 $3,741
Farmers $2,881 $2,881
GEICO $2,354 $2,410
Liberty Mutual $11,984 $11,984
Nationwide $2,556 $2,556
Progressive $3,452 $3,452
State Farm $2,287 $2,411
USAA $1,890 $1,929

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Bismarck, ND Cheapest Car Insurance Rates

How do the top Bismarck, North Dakota car insurance companies’ average rates stack up against the Bismarck average monthly car insurance rates of $336? Take a look and see.

Best Annual Car Insurance Rates by Company in Bismarck, North Dakota

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Bismarck, ND Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Bismarck, North Dakota car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Bismarck, North Dakota

Insurance Company Average Annual Rates
Allstate $5,115
American Family $3,695
Farmers $2,881
GEICO $2,382
Liberty Mutual $11,984
Nationwide $2,556
Progressive $3,452
State Farm $2,349
USAA $1,910

Other Factors Affecting Bismarck, ND Car Insurance Rates

Before you buy Bismarck, North Dakota car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Bismarck, ND Commute Time

How does your Bismarck, ND commute time compare with the average driver? In Bismarck, the average commute is 15.7 minutes.

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Bismarck, ND Car Insurance Quotes

Compare Bismarck, ND car insurance quotes from multiple companies by entering your ZIP code now.