Average Cost for Car Insurance in Bismarck, ND?
- State minimum liability on average in Bismarck costs $48 a month or $578 a year. Full coverage auto policies costs around $235 a month or $2,814 a year in Bismarck.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Bismarck – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Bismarck, ND
- In Bismarck the cheapest car insurance companies on average are Nodak , State Farm and American Family Insurance. State minimum liability car insurance starts at $23 a month or $280 a year with Nodak. The cheapest full coverage car insurance starts at $143 a month or $1,722 a yearwith American Family.
Here are the average policy rates from the cheapest local and national insurance providers in Bismarck from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Nodak | $280 | $23 | $4,056 | $338 |
| State Farm | $445 | $37 | $2,364 | $197 |
| American Family | $517 | $43 | $1,722 | $143 |
| North Star Mutual | $548 | $46 | $3,785 | $315 |
| Progressive | $627 | $52 | $3,630 | $303 |
North Dakota State Minimum Liability Coverage Requirements
State minimum liability coverage for North Dakota drivers is:
In North Dakota, as in most states, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in North Dakota includes:
- Liability Coverage: This coverage pays for damages or injuries you cause to others in an accident. North Dakota requires minimum liability coverage of:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
- $25,000 for property damage per accident
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. North Dakota requires minimum UM/UIM coverage of:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
While the above coverages are required by law, North Dakota also offers additional optional coverage types for drivers to consider, including:
- Collision Coverage: This coverage pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage pays for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
