Car Insurance in Grand Forks, North Dakota
Estimated full coverage in Grand Forks runs about $1,135 a year ($95/month) — ▲ +10% versus the North Dakota average, ranking 6th most expensive of the 8 North Dakota cities we cover.
Why car insurance in Grand Forks costs more than the North Dakota average
Insurers price by territory, and Grand Forks's numbers explain most of the gap. With 59,845 residents on 29.1 square miles, the city's density (2,055 people per square mile) is 10.6 times the density where the typical North Dakota resident lives (193). The average commute is 14.8 minutes (North Dakota: 17.9), and 79% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision, and 1.09× for comprehensive once FEMA weather risk for Grand Forks County is included.
| Factor | Grand Forks | North Dakota ref. | Why it matters |
|---|---|---|---|
| Population density | 2,055 / sq mi | 193 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 14.8 min | 17.9 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 78.6% | — | Share of workers commuting by car. |
| Public transit to work | 1.3% | — | Transit use lowers how much residents drive. |
| Work from home | 6.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.2% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 72.7 | 77.5 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Grand Forks
Rates can change from one ZIP code to the next. Across 3 Grand Forks ZIP codes, our full-coverage estimate ranges from $1,020 in 58203 to $1,170 in 58202. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 58201 | 42,373 | 614 | 15.7 min | 8.2% | $1,080 | −5% |
| 58203 | 16,478 | 240 | 14.5 min | 7.7% | $1,020 | −10% |
| 58202 | 2,865 | 6,632 | 11.0 min | 0.0% | $1,170 | +3% |
Minimum car insurance in Grand Forks
Grand Forks 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 Grand Forks at $305 a year, and $445 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 Grand Forks 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 Grand Forks County as relatively moderate for hail, relatively low for inland flooding and relatively moderate for strong wind.
Traffic & commuting
2.9% of Grand Forks commuters spend an hour or more getting to work, and there are 1.64 vehicles per household. 6.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 90.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 60.7 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 61.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 78.1 | Comprehensive; dwelling | |
| Winter weather | 97.9 | 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 Grand Forks by driver profile
A clean-record driver in their 50s pays the least in our Grand Forks model (about $1,045 for full coverage); an 18-year-old on their own policy pays about $3,125, and a DUI pushes a 30-something to $2,105.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $840 | $1,220 | $3,125 | $260 |
| Young adult (22) | $490 | $710 | $1,820 | $152 |
| Adult in their 30s | $305 | $445 | $1,135 | $95 |
| Adult in their 50s | $280 | $410 | $1,045 | $87 |
| Senior (72) | $345 | $495 | $1,275 | $106 |
| 30s, one at-fault accident | $445 | $645 | $1,650 | $138 |
| 30s, DUI on record | $565 | $820 | $2,105 | $175 |
Minimum vs. standard vs. full coverage in Grand Forks
| 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. | $305 | $25 | $250–$360 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $445 | $37 | $365–$525 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,135 | $95 | $930–$1,340 |
Estimate your premium in Grand Forks
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Cheap car insurance in Grand Forks: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Grand Forks's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $95 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $80 | You're among the 6.5% of Grand Forks workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $380 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $690 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $250 | 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 Grand Forks
- 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 16 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 Grand Forks, our estimates differ by up to $150 a year between neighborhoods.
Car insurance agents near Grand Forks, ND
We found 16 insurance offices within about 4 miles of central Grand Forks, 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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Tyler Nagel Agency LLC
2665 24th Ave S, Grand Forks, ND 58201 -
Jeremy Fulton Agency Inc
1220 S Washington St, Grand Forks, ND 58201 -
Kevin Kouba - State Farm
724 N Washington Street, Grand Forks, ND 58203 -
Randy Fenley - State Farm
2750 26th Street S, Suite A, Grand Forks, ND 58201 -
Tyson Terhark - Farmers Insurance
1726 S Washington St, Grand Forks, ND 58201 -
Logan Karsky - State Farm
2211 S Washington Street, Suite A, Grand Forks, ND 58201 -
Donald Zerr - Farmers Insurance
1407 24th Ave S, Grand Forks, ND 58201 -
Dj Colter Agency Inc
1725 32nd Ave S, Ste C, Grand Forks, ND 58201 -
Samuel Dean Newton - Farmers Insurance
211 Demers Ave, East Grand Forks, MN 56721 -
Larson and Associates Agency, LLC
408 3rd St NW, East Grand Forks, MN 56721 -
American Family Insurance
MN -
Evergreen Insurance
MN -
Aaron Michael Horak - Farmers Insurance
910 Central Ave NE, East Grand Forks, MN 56721 -
Jayden Sherrard - State Farm
1010 Central Avenue NE, Suite 6, East Grand Forks, MN 56721 -
Default Insurance
MN -
Andrew Bergee - State Farm
997 47th Avenue S, Unit 1, Grand Forks, ND 58201
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 Grand Forks
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $840 | −26% |
| Subaru Outback | Wagon | $860 | −24% |
| Tesla Model 3 | Midsize car | $1,190 | +5% |
| Subaru Forester | Small SUV | $850 | −25% |
| Honda Civic | Compact car | $1,255 | +11% |
| Toyota Corolla | Compact car | $1,170 | +3% |
| Jeep Wrangler | Midsize SUV | $850 | −25% |
| Mazda CX-5 | Small SUV | $935 | −18% |
| MINI Cooper | Subcompact car | $845 | −26% |
| Tesla Model Y | Midsize SUV | $1,070 | −6% |
Car insurance in nearby North Dakota cities
- Fargo $1,175/yr · 74 mi
- West Fargo $1,195/yr · 74 mi
- Bismarck $1,160/yr · 188 mi
- Mandan $1,150/yr · 193 mi
- Minot $1,170/yr · 195 mi
- Dickinson $1,130/yr · 276 mi
- Williston $1,110/yr · 302 mi
All North Dakota cities and state rules · Homeowners insurance in Grand Forks
Frequently asked questions
How much is car insurance in Grand Forks, ND?
We estimate full coverage in Grand Forks at about $1,135 a year ($95 a month) for a driver in their 30s with a clean record, and about $305 for North Dakota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Grand Forks more expensive than the North Dakota average?
Our Grand Forks estimate is 10% higher than the statewide figure. The model reflects a population density of 2,055 people per square mile (the typical North Dakota resident lives at about 193) and an average commute of 14.8 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 Grand Forks?
Drivers in Grand Forks follow North Dakota law: at least 25/50/25 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Grand Forks has the cheapest car insurance?
Among Grand Forks's 3 ZIP codes, 58203 has the lowest estimate (about $1,020 a year for full coverage) and 58202 the highest (about $1,170), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Grand Forks?
An 18-year-old with their own full-coverage policy would pay around $3,125 a year in Grand Forks by our estimate ($840 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Grand Forks?
FEMA's National Risk Index does not rate Grand Forks County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Grand Forks?
We list 16 insurance offices in and around Grand Forks, 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 (Grand Forks 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