Bismarck Car Insurance

Find the right car insurance policy for you.


Bismarck is the capital of North Dakota and is the government, retail, health care and overall economic hub for south central North Dakota.

Forbes magazine named Bismarck the seventh fastest-growing small city in the U.S.

With so much activity and an influx of new residents, commuting can sometimes be hectic in Bismarck. Car insurance can help Bismarck residents protect themselves from the costs of car accidents and other incidents on the road.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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How much does Bismarck car insurance cost?

Bismarck car insurance costs are based on several factors that are unique to you. Your ZIP code, your daily commute time and the age and model of your car are a big part of the equation.

But no matter where you live or work, you shouldn’t overpay for a Bismarck auto insurance policy.

Try shopping around with the help of an independent Trusted Choice agent. Our agents can work with multiple insurance companies to make sure you are getting the best deal.

After weighing out your options, the average cost of Bismarck car Insurance is $180 Per Month.

What does Bismarck car insurance actually do for me?

Everyone knows that car insurance can help you pay for a car accident, but few people know the details of what a comprehensive plan will actually finance.

Here’s how Bismarck car insurance can help you recover if you are in a crash.

  • Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
  • Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $25,000.
  • Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Required min. $30,000.
  • Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person 

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course.

Drivers without insurance have no financial backup plan for accidents. Other drivers on the road become financially responsible for an uninsured driver’s mistakes.

5.9% of North Dakota drivers are uninsured. 

That's where “uninsured motorist coverage” comes in. It pays for things like medical bills and vehicle damage if you’re hit by an uninsured driver.

And it offers a great deal of peace of mind, too.

North Dakota requires all drivers to have a minimum amount of uninsured motorist coverage.

What Affects the Cost of North Dakota Auto Insurance?

The average car insurance payment you might expect to pay will be based on several personal factors, such as the following and more.

  • your age
  • your ZIP code
  • your driving history
  • the kind of car you drive
  • the number of cars and drivers in your household

The type of car you drive is one of the biggest factors. Insurance companies charge less for cars that they think are less risky for drivers.

If, for example, you drive a family sedan or a used minivan, you likely will pay less for insurance than someone who drives an expensive luxury vehicle.


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Our independent agents shop around to find you the best coverage.

Here are some city factors that will affect your rate:

Commute Time: The more time you spend on the road, the more likely it is that you'll be in an accident.

Bismarck drivers on average have a shorter commute time. This can help keep insurance rates relatively low.

  • National Average: 25.4 minutes
  • Bismarck Average: 16.1 minutes

Theft in your city: Auto theft is relatively rare in Bismarck, compared to the U.S. average. This is good news for Bismarck residents.

But remember that cars can be stolen anywhere. No matter where you live, be sure to use common-sense deterrents to protect your car from theft.

And with a Bismarck auto insurance policy, you can be sure that if your car is stolen, you will receive timely assistance and reimbursement for your stolen or damaged property.

  • Auto Theft Rate in U.S. (per 1,000 vehicles): 2.94
  • Auto Theft Rate in Bismarck (per 1,000 vehicles): 1.10

How to Find Affordable Auto Insurance in Bismarck

You can find affordable Bismarck auto insurance with the help of a Trusted Choice insurance agent.

Our independent agents work with multiple insurance carriers, offering you numerous coverage and price options.

A local agent will ask the right questions, get to know you and help you tackle your risks so you can have peace of mind.

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