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Cheapest Car Insurance Companies in Grand Forks, North Dakota

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Whether you’re planning a dream vacation for you and your family or saving up to buy a home, securing cheaper car insurance rates is a quick way free up extra funds every month. Our Geeks did the legwork for you by analyzing quotes from the top providers in Grand Forks, North Dakota to help you find the most affordable coverage in the city. In this blog, you’ll find:

Cheapest Car Insurance Companies in Grand Forks

Best Car Insurance Companies

Minimum Car Insurance Requirements

Penalties for Driving Without Auto Insurance

Cheapest Car Insurance Companies in Grand Forks

The best way to score the cheapest premiums in Grand Forks is to compare quotes from several providers. Use the table below as your starting point for tracking down the best provider for your driver category:


Cheapest InsurerDriver Category
Liberty MutualSafe Drivers
USAADrivers in the Military
EsuranceDrivers Who Pay Their Premiums Upfront
Teen Drivers
State FarmDrivers with a DUI

Best Car Insurance Companies in Grand Forks

Our Geeks analyzed consumer feedback, reviews, and complaint data to rank Grand Forks’ insurers and identify the top providers. Here’s a breakdown of our findings:


RankCompanyOur Rating
1State FarmA
5Liberty MutualB

Minimum Car Insurance Requirements in Grand Forks

Every driver in Grand Forks must purchase coverage meeting North Dakota’s mandatory minimum liability limits. These requirements include:

• $50,000 per crash and $25,000 per person for Un/Underinsured Motorist Coverage;
• $30,000 per person for Personal Injury Protection;
• $25,000 in Property Damage Liability; and
• $50,000 per crash and $25,000 per person for Bodily Injury Liability.

Penalties for Driving Without Auto Insurance in Grand Forks

Authorities in Grand Forks use a vast electronic database to keep tabs on the city’s drivers. If your car’s coverage lapses, your vehicle is automatically flagged as uninsured. However, even if you avoid detection, you could still be caught if you are stopped by authorities and cannot present proof of a valid auto insurance policy. In this case, you may face the following penalties:

• License suspension;
• Up to $1,000 fine; and
• SR-22 maintenance requirements.

Keep in mind, these are the penalties for your first offense. If you are caught driving without insurance again within 12 months of your previous violation, you may have to fork over up to $5,000 in fines and serve up to 30 days in prison.

Grand Forks Car Insurance FAQs

How Are Car Insurance Rates Calculated in Grand Forks?

Providers will look at a wide range of criteria when calculating your rates. Typically, the better your risk profile and the cleaner your permanent driving record, the less you will pay for your premiums. Insurers will also consider other factors, including your marital status, age, occupation, credit history, and gender.

Using statistical data, these factors will help your insurer determine your likelihood of filing a claim. This data helps providers identify traits associated with the more accident-prone motorists amongst us, enabling companies to build an accurate risk profile to calculate your premiums.

However, you do still have some control over the final number. For example, by raising your deductible you can decrease your premium significantly. Additionally, many providers offer discounts to motorists who own cars equipped with modern safety features.

How Can I Reinstate My License in Grand Forks?

If your license was suspended, you will need to complete SR-22 filing requirements before your driving privileges are restored. Additionally, you may need to retake your driver’s test. Once you’ve passed your test and paid $50 in fees, you can now file to have your license reinstated.




Cheapest Car Insurance Companies in Grand Forks, North Dakota