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Cheapest car insurance in Bismarck, North Dakota

North Dakota requires minimum liability coverage of 25/50/25, plus $30,000 PIP and uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

State-average estimate
Methodology → All of North Dakota →

Spread from a statewide average across a few insurers, not a per-carrier filing for this city yet.

Bismarck is a smaller market, 73,529 residents, so filed data can take longer to catch up when a carrier changes pricing. Pricing is fairly tight across carriers in Bismarck, only 11% separates the cheapest and priciest rate we track, so the average is a reasonably fair stand-in here. On average, drivers here pay about 7% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 GEICOState-average estimate, credit/record adjusted $209.81
02 ProgressiveState-average estimate, credit/record adjusted $223.20
03 State FarmState-average estimate, credit/record adjusted $236.59
Rate explainer
Why is your best rate $209.81 and not $209.31?

Bismarck is priced against 3 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-29.31
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$43.20
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.