Car Insurance in Bismarck, North Dakota
Estimated full coverage in Bismarck runs about $1,160 a year ($96/month) — ▲ +13% versus the North Dakota average, ranking 4th most expensive of the 8 North Dakota cities we cover.
Why car insurance in Bismarck costs more than the North Dakota average
Insurers price by territory, and Bismarck's numbers explain most of the gap. With 77,772 residents on 34.7 square miles, the city's density (2,242 people per square mile) is 11.6 times the density where the typical North Dakota resident lives (193). The average commute is 15.6 minutes (North Dakota: 17.9), and 80% of workers drive alone. Together these put our location factor at 1.12× the state baseline for liability and collision, and 1.13× for comprehensive once FEMA weather risk for Burleigh County is included.
| Factor | Bismarck | North Dakota ref. | Why it matters |
|---|---|---|---|
| Population density | 2,242 / sq mi | 193 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 15.6 min | 17.9 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 80.2% | — | Share of workers commuting by car. |
| Public transit to work | 0.2% | — | Transit use lowers how much residents drive. |
| Work from home | 7.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.1 | 77.5 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Bismarck
Rates can change from one ZIP code to the next. Across 3 Bismarck ZIP codes, our full-coverage estimate ranges from $1,060 in 58504 to $1,120 in 58501. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 58503 | 37,683 | 278 | 18.4 min | 6.1% | $1,065 | −8% |
| 58504 | 30,212 | 292 | 17.5 min | 6.0% | $1,060 | −9% |
| 58501 | 29,405 | 1,289 | 14.9 min | 6.7% | $1,120 | −3% |
Minimum car insurance in Bismarck
Bismarck drivers follow North Dakota's rules: at least 25/50/25 liability coverage, personal injury protection, and uninsured motorist coverage. North Dakota is no-fault. We estimate state-minimum coverage in Bismarck at $310 a year, and $450 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $30,000 Basic no-fault (PIP) benefits of $30,000 per person are required for economic losses such as medical expenses and lost work. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist coverage equal to the uninsured motorist coverage is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required no-fault coverage. | Medical bills for you and your passengers |
Risk factors that shape Bismarck premiums
Accidents
North Dakota recorded 90 traffic deaths, or 0.90 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
North Dakota's vehicle theft rate is 154 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Burleigh County as relatively high for hail, relatively moderate for inland flooding and relatively moderate for strong wind.
Traffic & commuting
3.4% of Bismarck commuters spend an hour or more getting to work, and there are 1.83 vehicles per household. 7.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 83.0 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 77.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 65.0 | Comprehensive; dwelling | |
| Winter weather | 99.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Bismarck by driver profile
A clean-record driver in their 50s pays the least in our Bismarck model (about $1,065 for full coverage); an 18-year-old on their own policy pays about $3,185, and a DUI pushes a 30-something to $2,140.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $850 | $1,235 | $3,185 | $265 |
| Young adult (22) | $495 | $720 | $1,855 | $155 |
| Adult in their 30s | $310 | $450 | $1,160 | $97 |
| Adult in their 50s | $285 | $415 | $1,065 | $89 |
| Senior (72) | $345 | $505 | $1,295 | $108 |
| 30s, one at-fault accident | $450 | $650 | $1,680 | $140 |
| 30s, DUI on record | $575 | $830 | $2,140 | $178 |
Minimum vs. standard vs. full coverage in Bismarck
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $310 | $26 | $255–$365 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $450 | $37 | $370–$530 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,160 | $96 | $950–$1,365 |
Estimate your premium in Bismarck
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Cheap car insurance in Bismarck: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Bismarck's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $85 | You're among the 7.6% of Bismarck workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $390 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $710 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $255 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Bismarck
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 17 offices listed below.
- Check complaint records with the North Dakota Insurance and Securities Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Bismarck, our estimates differ by up to $60 a year between neighborhoods.
Car insurance agents near Bismarck, ND
We found 17 insurance offices within about 4 miles of central Bismarck, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Kyle J Herman - Farmers Insurance
1022 E Divide Ave, Bismarck, ND 58501 -
Tamie Lynn Schmidt - Farmers Insurance
523 N 4th St, Bismarck, ND 58501 -
Eric Buchholz - American Family Insurance
302 S 9th St, Bismarck, ND 58504 -
Bain Agency
ND -
State Farm
ND -
Sherry Morris Agency LLC
535 Airport Rd, #A, Bismarck, ND 58504 -
Pat Stocking - Allstate
1929 N Washington St, Bismarck, ND 58501 -
Roberta Storm - State Farm
116 S Hannifin Street, Bismarck, ND 58504 -
Shane Splonskowski Agency Inc
1830 E Century Ave, Unit 6, Bismarck, ND 58503 -
Christopher Keith Fenster - Farmers Insurance
931 S Washington St, Bismarck, ND 58504 -
Kayla Small Agency & Associates LLC
1929 N Washington St, Ste Kk, Bismarck, ND 58501 -
Trenton Schwehr Agency, LLC
1102 S Washington St, Ste 311, Bismarck, ND 58504 -
Lyndon L Mertz - Farmers Insurance
1301 Tacoma Ave, Bismarck, ND 58504 -
Scott Reuppel - State Farm
3831 Lockport St, Ste A, Bismarck, ND 58503 -
Sheyenne Farnsworth Agency INC.
1515 Burnt Boat Dr, Ste A, Bismarck, ND 58503 -
Jay Gotta - State Farm
1900 Burnt Boat Drive, Suite 103, Bismarck, ND 58503 -
Morgan Hayden - State Farm
101 Slate Drive, Suite 3, Bismarck, ND 58503
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Bismarck
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $855 | −26% |
| Subaru Outback | Wagon | $880 | −24% |
| Tesla Model 3 | Midsize car | $1,210 | +4% |
| Subaru Forester | Small SUV | $865 | −25% |
| Honda Civic | Compact car | $1,275 | +10% |
| Toyota Corolla | Compact car | $1,190 | +3% |
| Jeep Wrangler | Midsize SUV | $865 | −25% |
| Mazda CX-5 | Small SUV | $950 | −18% |
| MINI Cooper | Subcompact car | $860 | −26% |
| Tesla Model Y | Midsize SUV | $1,090 | −6% |
More car insurance topics in Bismarck
Car insurance in nearby North Dakota cities
- Mandan $1,150/yr · 6 mi
- Dickinson $1,130/yr · 96 mi
- Minot $1,170/yr · 101 mi
- Williston $1,110/yr · 162 mi
- West Fargo $1,195/yr · 183 mi
- Fargo $1,175/yr · 186 mi
- Grand Forks $1,135/yr · 188 mi
All North Dakota cities and state rules · Homeowners insurance in Bismarck
Frequently asked questions
How much is car insurance in Bismarck, ND?
We estimate full coverage in Bismarck at about $1,160 a year ($96 a month) for a driver in their 30s with a clean record, and about $310 for North Dakota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Bismarck more expensive than the North Dakota average?
Our Bismarck estimate is 13% higher than the statewide figure. The model reflects a population density of 2,242 people per square mile (the typical North Dakota resident lives at about 193) and an average commute of 15.6 minutes versus 17.9 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Bismarck?
Drivers in Bismarck follow North Dakota law: at least 25/50/25 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Bismarck has the cheapest car insurance?
Among Bismarck's 3 ZIP codes, 58504 has the lowest estimate (about $1,060 a year for full coverage) and 58501 the highest (about $1,120), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Bismarck?
An 18-year-old with their own full-coverage policy would pay around $3,185 a year in Bismarck by our estimate ($850 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Bismarck?
Yes. FEMA's National Risk Index rates Burleigh County for hail (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Bismarck?
We list 17 insurance offices in and around Bismarck, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- North Dakota Insurance Department: Auto
- N.D.C.C. chapter 26.1-41 (auto accident reparations; serious injury)
- NDDOT: Driver Record Services and Suspensions
- NDDOT: Drivers License FAQ
- North Dakota Insurance Department: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Bismarck and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places