Average car insurance cost in Bismarck
Full coverage car insurance in Bismarck costs an average of $2,017 per year, or $168 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $401 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,008 |
| Average annual premium | $2,017 |
| State minimum premium | $401 |
Cheapest car insurance companies in Bismarck
Nationwide is the cheapest car insurance company in Bismarck, with an average full coverage rate of $1,191 per year. American Family is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Bismarck.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $595 | $1,191 |
| American Family | $623 | $1,246 |
| GEICO | $770 | $1,541 |
| Progressive | $911 | $1,822 |
| Auto-Owners | $1,156 | $2,312 |
| State Farm | $1,204 | $2,408 |
| Nodak Insurance | $1,299 | $2,597 |
| Allstate | $1,413 | $2,826 |
| North Star Mutual | $1,623 | $3,246 |
| USAA | $489 | $979 |
Cheapest car insurance cost in Bismarck by age group
Car insurance prices in Bismarck differ by age because insurers consider how driving experience impacts expected accident risk. American Family is the cheapest company for teens, American Family for young adults, Nationwide for adults, and Nationwide for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Bismarck by age below:.
- Cheapest for teens: American Family
- Cheapest for young adults: American Family
- Cheapest for adults: Nationwide
- Cheapest for seniors: Nationwide
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. American Family offers the cheapest car insurance for teens at $2,949 per year.
For young adults, American Family offers the lowest average rate at $1,734 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
Nationwide is the least expensive insurer for adult drivers in Bismarck, with an average annual premium of $1,162. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from Nationwide at $1,095 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Nationwide | $3,688 | $1,945 | $1,162 | $1,095 |
| American Family | $2,949 | $1,734 | $1,227 | $1,112 |
| GEICO | $4,110 | $2,456 | $1,510 | $1,500 |
| Progressive | $7,736 | $3,032 | $1,827 | $1,453 |
| Auto-Owners | $5,720 | $3,770 | $2,315 | $2,217 |
| Nodak Insurance | $7,435 | $3,980 | $2,396 | $2,279 |
| State Farm | $7,213 | $4,122 | $2,422 | $2,305 |
| Allstate | $9,996 | $4,407 | $2,786 | $2,770 |
| North Star Mutual | $7,267 | $5,097 | $3,090 | $2,873 |
| USAA | $4,258 | $1,822 | $1,058 | $932 |
Cheapest car insurance companies in Bismarck by driver profile
The cheapest car insurance company in Bismarck depends on the driver's record and credit profile. Nationwide is cheapest after an at-fault accident, American Family after a DUI, and American Family after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Bismarck by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: Nationwide
- Cheapest for a DUI: American Family
- Cheapest for a driver with a speeding ticket: American Family
Cheapest for a driver with poor credit: GEICO
GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Bismarck pay about $1,668 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Bismarck.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $834 | $1,668 |
| Nationwide | $850 | $1,701 |
| American Family | $941 | $1,882 |
| Progressive | $1,590 | $3,181 |
| Allstate | $2,177 | $4,355 |
| Auto-Owners | $3,446 | $6,893 |
| State Farm | $5,072 | $10,143 |
| USAA | $881 | $1,763 |
Cheapest auto insurance after an at-fault accident: Nationwide
After an at-fault accident, Nationwide has the cheapest average car insurance in Bismarck at $1,880 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Bismarck.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Nationwide | $940 | $1,880 |
| GEICO | $1,315 | $2,629 |
| Progressive | $1,348 | $2,696 |
| State Farm | $1,384 | $2,768 |
| Auto-Owners | $1,430 | $2,859 |
| Allstate | $1,914 | $3,828 |
| USAA | $706 | $1,413 |
Cheapest auto insurance after a DUI: American Family
American Family offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $1,611 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Bismarck.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| American Family | $805 | $1,611 |
| Progressive | $988 | $1,976 |
| Nationwide | $1,219 | $2,438 |
| State Farm | $1,286 | $2,572 |
| Auto-Owners | $2,057 | $4,115 |
| GEICO | $2,125 | $4,249 |
| Allstate | $2,568 | $5,137 |
| USAA | $1,163 | $2,325 |
Cheapest for drivers with a speeding ticket: American Family
American Family offers the cheapest car insurance at $1,611 in Bismarck for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| American Family | $805 | $1,611 |
| GEICO | $813 | $1,626 |
| Nationwide | $892 | $1,785 |
| Progressive | $1,103 | $2,206 |
| State Farm | $1,286 | $2,572 |
| Auto-Owners | $1,444 | $2,888 |
| Allstate | $1,589 | $3,178 |
| USAA | $584 | $1,168 |
Car insurance discounts for Bismarck drivers
The largest available car insurance discount in Bismarck is Student Away At School, which provides average savings of 53% through GEICO. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Bismarck drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Nationwide | $1,250 | $1,211 | 3% | $39 |
| Air Bags | GEICO | $1,933 | $1,849 | 4% | $85 |
| Air Bags | Auto-Owners | $2,446 | $2,401 | 2% | $46 |
| Air Bags | North Star Mutual | $2,583 | $2,553 | 1% | $30 |
| Air Bags | Nodak Insurance | $2,614 | $2,593 | 1% | $21 |
| Air Bags | Allstate | $2,884 | $2,822 | 2% | $62 |
| Anti-Theft Device | GEICO | $1,933 | $1,903 | 2% | $30 |
| Anti-Theft Device | Auto-Owners | $2,446 | $2,383 | 3% | $63 |
| Anti-Theft Device | North Star Mutual | $2,583 | $2,476 | 4% | $107 |
| Comp and Coll Deductibles | Nationwide | $1,250 | $1,058 | 15% | $192 |
| Comp and Coll Deductibles | American Family | $1,238 | $1,071 | 13% | $167 |
| Comp and Coll Deductibles | GEICO | $1,933 | $1,658 | 14% | $276 |
| Comp and Coll Deductibles | Progressive | $2,046 | $1,795 | 12% | $251 |
| Comp and Coll Deductibles | Nodak Insurance | $2,614 | $1,907 | 27% | $707 |
| Comp and Coll Deductibles | North Star Mutual | $2,583 | $2,056 | 20% | $526 |
| Comp and Coll Deductibles | Auto-Owners | $2,446 | $2,280 | 7% | $167 |
| Comp and Coll Deductibles | Allstate | $2,884 | $2,422 | 16% | $462 |
| Comp and Coll Deductibles | State Farm | $2,704 | $2,492 | 8% | $212 |
| Daily Commute | GEICO | $1,933 | $1,819 | 6% | $114 |
| Daily Commute | Auto-Owners | $2,446 | $2,184 | 11% | $262 |
| Daily Commute | North Star Mutual | $2,583 | $2,249 | 13% | $333 |
| Days Advanced Purchase | American Family | $1,238 | $1,134 | 8% | $104 |
| Days Advanced Purchase | Nationwide | $1,250 | $1,197 | 4% | $53 |
| Days Advanced Purchase | Progressive | $2,046 | $1,898 | 7% | $148 |
| Days Advanced Purchase | Auto-Owners | $2,446 | $2,264 | 7% | $183 |
| Days Per Week Driven | GEICO | $1,933 | $1,819 | 6% | $114 |
| Days Per Week Driven | North Star Mutual | $2,583 | $2,249 | 13% | $333 |
| Education | Progressive | $2,046 | $1,999 | 2% | $47 |
| Electronic Funds Transfer | Nodak Insurance | $2,614 | $2,352 | 10% | $262 |
| Homeowner | American Family | $1,238 | $1,186 | 4% | $52 |
| Homeowner | Progressive | $2,046 | $2,006 | 2% | $40 |
| Homeowner | Auto-Owners | $2,446 | $2,276 | 7% | $171 |
| Homeowner | Allstate | $2,884 | $2,780 | 4% | $104 |
| Lower Annual Mileage | American Family | $1,238 | $1,212 | 2% | $26 |
| Lower Annual Mileage | Progressive | $2,046 | $1,947 | 5% | $99 |
| Lower Annual Mileage | State Farm | $2,704 | $2,434 | 10% | $270 |
| Lower Annual Mileage | Nodak Insurance | $2,614 | $2,457 | 6% | $156 |
| Lower Annual Mileage | Allstate | $2,884 | $2,698 | 6% | $186 |
| Loyalty - Years Renewal With Company | State Farm | $2,704 | $2,443 | 10% | $261 |
| Loyalty - Years Renewal With Company | Nodak Insurance | $2,614 | $2,496 | 4% | $117 |
| Marital Status | American Family | $1,238 | $1,131 | 9% | $107 |
| Marital Status | Nationwide | $1,250 | $1,142 | 9% | $108 |
| Marital Status | Progressive | $2,046 | $1,688 | 18% | $358 |
| Marital Status | Allstate | $2,884 | $2,740 | 5% | $144 |
| Multi Policy | American Family | $1,238 | $1,119 | 10% | $118 |
| Multi Policy | Nationwide | $1,250 | $1,191 | 5% | $59 |
| Multi Policy | GEICO | $1,933 | $1,813 | 6% | $120 |
| Multi Policy | Progressive | $2,046 | $1,924 | 6% | $122 |
| Multi Policy | North Star Mutual | $2,583 | $2,122 | 18% | $461 |
| Multi Policy | Auto-Owners | $2,446 | $2,239 | 8% | $207 |
| Multi Policy | Nodak Insurance | $2,614 | $2,352 | 10% | $262 |
| Multi Policy | State Farm | $2,704 | $2,390 | 12% | $314 |
| Multi Policy | Allstate | $2,884 | $2,707 | 6% | $177 |
| Paperless/Electornic Documents | American Family | $1,238 | $1,165 | 6% | $73 |
| Paperless/Electornic Documents | Nationwide | $1,250 | $1,197 | 4% | $53 |
| Paperless/Electornic Documents | Progressive | $2,046 | $2,026 | 1% | $20 |
| Paperless/Electornic Documents | Allstate | $2,884 | $2,625 | 9% | $259 |
| Payment Type | American Family | $1,238 | $1,132 | 9% | $106 |
| Payment Type | Auto-Owners | $2,446 | $2,202 | 10% | $245 |
| Payment Type | North Star Mutual | $2,583 | $2,402 | 7% | $181 |
| Payment Type | Allstate | $2,884 | $2,596 | 10% | $288 |
| Primary Use | American Family | $1,238 | $1,107 | 11% | $131 |
| Primary Use | Nationwide | $1,250 | $1,145 | 8% | $105 |
| Primary Use | GEICO | $1,933 | $1,819 | 6% | $114 |
| Primary Use | Nodak Insurance | $2,614 | $1,962 | 25% | $652 |
| Primary Use | Progressive | $2,046 | $1,973 | 4% | $72 |
| Primary Use | North Star Mutual | $2,583 | $2,056 | 20% | $527 |
| Primary Use | Auto-Owners | $2,446 | $2,061 | 16% | $385 |
| Primary Use | State Farm | $2,704 | $2,410 | 11% | $294 |
| Primary Use | Allstate | $2,884 | $2,722 | 6% | $162 |
| Profession | Progressive | $2,046 | $1,725 | 16% | $321 |
| Safety Devices | American Family | $1,238 | $1,221 | 1% | $17 |
| Safety Devices | GEICO | $1,933 | $1,893 | 2% | $40 |
| Safety Devices | Auto-Owners | $2,446 | $2,374 | 3% | $72 |
| Safety Devices | Allstate | $2,884 | $2,722 | 6% | $162 |
| Telematics | American Family | $1,238 | $1,132 | 9% | $106 |
| Telematics | Progressive | $2,046 | $1,739 | 15% | $306 |
| Telematics | State Farm | $2,704 | $2,337 | 14% | $367 |
| Years Insured | American Family | $1,238 | $721 | 42% | $517 |
| Years Insured | Nodak Insurance | $2,614 | $1,407 | 46% | $1,207 |
| Years Insured | GEICO | $1,933 | $1,720 | 11% | $213 |
| Years Insured | Allstate | $2,884 | $1,760 | 39% | $1,123 |
| Years Insured | Progressive | $2,046 | $1,901 | 7% | $145 |
| Years Insured | Auto-Owners | $2,446 | $2,424 | 1% | $23 |
How to get cheap car insurance in Bismarck in 2026
To find cheap car insurance in Bismarck in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Bismarck by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Bismarck.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Bismarck
How much does car insurance cost in Bismarck?
Car insurance costs $2,017 per year on average, or about $168 monthly for full coverage in Bismarck. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in ND?
No, you don't legally need full coverage in ND, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Bismarck?
You can reduce your car insurance costs in Bismarck by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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