Average Cost for Car Insurance in Bismarck, ND?
Rates last verified and updated: July 2026.
- State minimum liability on average in Bismarck costs $48 a month or $578 a year. Full coverage auto policies costs around $235 a month or $2,814 a year in Bismarck.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Bismarck – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Bismarck, ND
- In Bismarck the cheapest car insurance companies on average are Nodak , State Farm and American Family Insurance. State minimum liability car insurance starts at $23 a month or $280 a year with Nodak. The cheapest full coverage car insurance starts at $143 a month or $1,722 a yearwith American Family.
Below are current rates from Bismarck’s most competitively priced carriers, pulled from our database of quotes for a single, middle-aged driver with a clean record and a used vehicle — the same benchmark InsuranceQuotes uses across Burleigh County:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Nodak | $280 | $23 | $4,056 | $338 |
| State Farm | $445 | $37 | $2,364 | $197 |
| American Family | $517 | $43 | $1,722 | $143 |
| North Star Mutual | $548 | $46 | $3,785 | $315 |
| Progressive | $627 | $52 | $3,630 | $303 |
North Dakota State Minimum Liability Coverage Requirements
Bismarck drivers need to clear North Dakota’s liability floor before a policy is considered legal, and the state layers on a no-fault requirement most neighboring states don’t have.
As a no-fault state, North Dakota requires Personal Injury Protection (PIP) in addition to standard liability limits, so your own policy — not the other driver’s — pays your medical bills after a crash, regardless of fault. Here is the baseline coverage North Dakota law requires, as set by the North Dakota Insurance Department:
- Liability Coverage: This coverage pays for damages or injuries you cause to others in an accident. North Dakota requires minimum liability coverage of:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
- $25,000 for property damage per accident
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. North Dakota requires minimum UM/UIM coverage of:
- $25,000 for bodily injury per person
- $50,000 for total bodily injury per accident
Beyond what North Dakota mandates, insurers operating in Bismarck offer several optional coverage types worth considering:
- Collision Coverage: This coverage pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage pays for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Bismarck car insurance averages $48 a month for state-minimum liability coverage and $235 a month for full coverage in 2026, according to InsuranceQuotes.com’s rate database. North Dakota’s no-fault PIP requirement and harsh winter driving conditions both factor into local premiums. Comparing quotes from multiple carriers with your exact ZIP code — and bundling with a North Dakota home insurance policy — remains the most reliable way to lower your rate.
Car insurance in Bismarck, ND averages $36/month for minimum coverage and $120/month for full coverage in 2026. Nodak Mutual offers competitive rates starting around $28/month. Comparing multiple quotes is the best way to find your lowest rate in Bismarck.
ND requires minimum coverage of 25/50/25 + PIP. ND is a no-fault state — your PIP coverage pays your own medical bills after an accident regardless of fault. Driving uninsured in ND can result in license suspension and fines.
Yes. ND is a no-fault state requiring Personal Injury Protection (PIP). Your PIP pays your medical expenses after any accident regardless of who caused it.
For Bismarck drivers in 2026, Nodak Mutual is among the most affordable options in ND starting around $28/month for minimum coverage. State Farm, GEICO, and Progressive are also widely available. Comparing at least three quotes at each renewal is essential since rates shift year to year.
North Dakota is a no-fault state also requiring uninsured motorist coverage. Nodak Mutual, a local ND carrier, consistently posts the most competitive rates. To lower your Bismarck premium: (1) compare at least three carrier quotes annually, (2) maintain a clean driving record, (3) bundle auto and home or renters for 5 to 15% savings, and (4) raise your deductible to $1,000 on full coverage to reduce premiums 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
