Here, you’ll learn everything you need to know to buy the best car insurance policy in Bismarck for you and your family. See which carriers are rated as the best car insurance companies for customer satisfaction and your neighborhood’s average car insurance rates.

You’ll also discover how much you can save from knowing how to make intelligent choices about coverage. And find out how rates for Bismarck drivers are affected by tickets, accidents and adding teen drivers.

Key Highlights
  • The average car insurance cost in Bismarck, ND for a full coverage policy is $1,130 a year, according to research.
  • Allied P&C Ins Co has the cheapest full coverage car insurance quotes in Bismarck among all the carriers analyzed.
  • By comparing price quotes from different carriers, you can save an average of $1,388 per year on a full coverage policy in Bismarck.
  • In North Dakota, comprehensive insurance costs an average of $355 and collision coverage is $496 per year, based on rate analysis.

Who has the best car insurance in Bismarck, ND?

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some, it may be price, while others value customer service the most. Still, others may be looking for the convenience of mobile apps or a company that offers the most car insurance discounts.

Below we list car insurance companies in Bismarck, and who they are the best at serving, based on’s customer satisfaction survey of current policyholders and rate data analysis.

Best forCompany
Customer ServiceHartford
Low Annual MileageState Farm Mutual Auto
Good StudentMid-Century Ins Co
BundleMid-Century Ins Co
Paid in FullProgressive Northwestern

Cheap car insurance in Bismarck, North Dakota

Find below the cheapest car insurance rates in Bismarck, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.

CompanyLiability Only – State Minimum BI/PDLiability Only – 50/100/50 BI/PDFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll
USAA General Ind Co$130$141$565
American Family Ins Co$164$171$957
Owners Ins Co$284$315$1,222
GEICO General Ins Co$286$302$1,042
State Farm Mutl Automobile Ins$324$356$1,151
Progressive Northwestern Ins$352$371$1,053
Metropolitan P&C Ins Co$418$414$1,986
Allied P&C Ins Co$460$421$963
Allstate Ins Co$526$549$1,858
Mid-Century Ins Co$528$553$1,425

Car insurance coverage – how much car insurance do I need in Bismarck?

Below we’ll explain what coverage you need to drive legally, your state’s minimum liability limits and what types of car insurance you may need to be truly protected.

Minimum car insurance requirements in Bismarck

North Dakota car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.

If you have a newer model car, getting comprehensive insurance and collision coverage makes sense. In North Dakota, comprehensive costs $355 and collision costs $496, on an average per year, according to a rate data analysis done by

These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.

To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Average car insurance rates in Bismarck

According to a 2022 rate analysis, the average rate for Bismarck drivers for a year of minimum coverage is $257. If you increase your coverage to 50/100/50, you would pay just about $1.08 more monthly, or $13 more per year.

You can get full coverage (100/300/100) by paying $72.75 more a month or an additional $873 a year more than minimum-level coverage.

Bismarck average for:

  • Minimum coverage: $257
  • 50/100/50: $270
  • 100/300/100: $1,130

Compare car insurance quotes in Bismarck – how to save on insurance

You can save an average of $1,388 annually on a full coverage policy in Bismarck by comparing car insurance quotes, according to’s rate analysis. While savings will depend on your particular circumstances, there is a significant benefit to shopping your policy.

Bismarck car insurance FAQs

How much does insurance go up after a speeding ticket in Bismarck?

A speeding ticket in Bismarck will hike your car insurance rates by an average of 32%, or about $523 yearly.’s rate analysis shows how much more drivers in Bismarck can expect to pay, on average, for speeding and other common violations.

Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions like DUI typically stay on your record much longer.

How much does insurance go up for tickets in Bismarck?

Bismarck drivers can expect to see a hike in their rates in the range of 31% for minor moving violations such as tailgating or blowing through a stop sign, 83% for more severe infractions such as DUI.

Below you’ll see how much rates increase, on average, for ordinary traffic violations.

Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping because one carrier may ding you a lot for a citation, while another may increase your rate by much less.

ViolationAverage rateRate after violation$ Increase% Increase
2 speeding tickets 11 mph or over$1,654$2,519$86552%
Careless driving$1,654$2,065$41125%
Distracted driving ticket$1,654$2,049$39524%
Driving without a license or permit$1,654$1,778$1247%
Driving without insurance$1,654$1,748$946%
DUI/DWI first offense$1,654$3,093$1,43987%
DUI/DWI second offense$1,654$4,905$3,251197%
Failure to stop$1,654$1,996$34221%
Failure to yield$1,654$1,996$34221%
Following too closely$1,654$1,997$34321%
Improper turn$1,654$1,996$34221%
Improper/illegal pass$1,654$2,012$35822%
Operating a vehicle in a race (highway racing)$1,654$3,124$1,47089%
Reckless driving$1,654$3,041$1,38784%
Seatbelt infraction$1,654$1,809$1559%
Talking on cellphone ticket$1,654$1,985$33120%
Texting ticket$1,654$1,985$33120%

How much does it cost to add a teen driver to your insurance?

In Bismarck, adding a 16-year-old daughter to your policy will hike your rates by $1,164 annually, or 103%. It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $1,428, or 126% according to rate data.

According to the CDC, teen drivers are inexperienced and involved in more accidents than older drivers. Insurance companies categorize them as high-risk drivers, so they cost more to insure.

If you’re insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents guide to insuring a teen driver.”

How much is SR-22 insurance in Bismarck? data show that for drivers in Bismarck, your rate will go up by an average of $1,104 or 67%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.

An SR-22 is a car insurance company’s guarantee to the state that you carry legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.

   — Ashlee Tilford contributed to this story. 

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.