For a 40-year-old driver with a clean record, car insurance in Bismarck, ND, averages about $174 a month ($2,091 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% above the North Dakota average of $164 a month. State Farm has the lowest full-coverage average of the five insurers we price, at about $131 a month.
Bismarck is the sixth-most expensive of the 15 North Dakota cities and towns in our city table, and our benchmark driver pays about $10 a month more here than the North Dakota average. Before you compare car insurance quotes in Bismarck, ND, check your ZIP code: our figures cover the three ZIP codes with a Bismarck mailing address that we price, from about $169 a month in 58503 to $178 in 58501.
Mandan, across the Missouri River to the west, averages about $186 a month, about $12 more than Bismarck. The state’s own auto insurance cost survey treats Bismarck and Mandan as one region, so compare auto insurance quotes for the address where your car is kept.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Bismarck ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 5, 2026.
How Much Is Car Insurance in Bismarck, ND?
Car insurance in Bismarck, ND, costs about $174 a month ($2,091 a year) for full coverage and $40 a month for liability-only coverage at North Dakota’s 25/50/25 liability minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 6% above the North Dakota average of $164 a month.
- Full coverage (100/300/100, $500 deductibles): $2,091 a year ($174 a month)
- 50/100/50 with $500 deductibles: $2,077 a year ($173 a month)
- Liability only (25/50/25): $476 a year ($40 a month)
- Burleigh County: $2,091 a year ($174 a month) for full coverage
- North Dakota average: $1,963 a year ($164 a month) for full coverage
- ZIP code range: $169 (58503) to $178 (58501) a month for full coverage
Cheapest Car Insurance in Bismarck, ND: Companies Compared
- Lowest average in our data, full coverage: State Farm, at about $131 a month ($1,566 a year).
- Next lowest among the insurers we rank: Progressive, at about $153 a month, then Nodak Insurance at $160.
- Lowest liability-only average (25/50/25): Progressive, at about $29 a month, then North Star Mutual at $33.
- Also on our list: Auto-Owners at about $137 a month, USAA at $140, GEICO at $230 and Allstate at $317 (USAA sells only to military families).
- Most expensive among insurers we rank: North Star Mutual, at about $221 a month, $1,090 a year more than State Farm for the same driver and car.
State Farm has the lowest full-coverage average among the five insurers in our Bismarck rate data. The seven published 2026 statewide North Dakota rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA: two put GEICO first, two State Farm, one North Star Mutual and one Auto-Owners, and one has GEICO and American Family tied. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the insurers we price, at about $29 a month, followed by North Star Mutual at $33.
Full-coverage averages by insurer in Bismarck
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $462 | $39 | $1,566 | $131 |
| Progressive | $352 | $29 | $1,831 | $153 |
| Nodak Insurance | $514 | $43 | $1,921 | $160 |
| American Family | $652 | $54 | $2,480 | $207 |
| North Star Mutual | $400 | $33 | $2,656 | $221 |
| Auto-Owners* | $409 | $34 | $1,646 | $137 |
| USAA (military families)* | $421 | $35 | $1,674 | $140 |
| GEICO* | $659 | $55 | $2,760 | $230 |
| Allstate* | $1,106 | $92 | $3,800 | $317 |
| Bismarck average | $476 | $40 | $2,091 | $174 |
This table uses Bismarck ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Bismarck Car Insurance Rates by ZIP Code
Across the three Bismarck ZIP codes we price, full coverage for our driver ranges from about $169 a month in 58503 to $178 in 58501, a gap of $106 a year. 58503, on the north side, is the least expensive Bismarck ZIP code in our data, and 58501, the ZIP code closest to downtown, the most expensive. 58504, to the southeast, averages about $176 a month. Another ZIP code inside the city, 58505, isn’t among the ZIP codes we price.
Lowest-priced Bismarck ZIP code
Highest-priced Bismarck ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Bismarck’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 58501 | $492 | $41 | $2,134 | $178 | +2% |
| 58503 | $448 | $37 | $2,028 | $169 | -3% |
| 58504 | $488 | $41 | $2,110 | $176 | +1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Bismarck?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Bismarck data: with the same $500 deductibles, full coverage averages $2,091 a year and 50/100/50 averages $2,077. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Nodak Insurance charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Bismarck?
Not for our benchmark driver. Comparing the same insurers in the same Bismarck ZIP codes, full coverage averaged $2,234 a year in rates as of Nov. 30, 2025, and $2,091 as of Aug. 31, 2026, a 6.4% drop. North Star Mutual cut its Bismarck average 14.3%, Nodak Insurance 7.4%, American Family 3.5% and Progressive 3.4%, while State Farm raised its average 2.5%. Liability-only coverage at 25/50/25 limits fell 2.9%, led by Progressive, which cut its liability-only average 12.9%.
Why Does Car Insurance Cost More in Bismarck?
Burleigh County, where every Bismarck ZIP code we price sits, averages about $174 a month for full coverage, the sixth-most expensive of the 13 North Dakota counties we price. Western North Dakota costs more in our data: the nine ZIP codes we price in Bismarck, Mandan, Minot, Dickinson, Williston and Watford City average about $177 a month, compared with $154 across the 12 in the east.
North Star Mutual’s Bismarck average, about $221 a month, is its highest in our North Dakota data, matched only in Mandan, and it’s the most expensive of the five insurers here. State Farm’s $131 is about 14% below Progressive’s, the widest lead for the cheapest insurer in any of the four North Dakota cities we publish a guide for. Where you live is one of the factors North Dakota insurers use, so neighboring towns can be priced differently.
How Bismarck Car Insurance Compares With Other North Dakota Cities
More North Dakota cities and towns are in the North Dakota rates by city table, and you can compare states on our car insurance rates by state page.
Minot, about 100 miles north, averages $175 a month, about the same as Bismarck. Fargo, about 190 miles east, averages $147 and Grand Forks $156. Of the other places we price, Dickinson, about 95 miles west, averages $169 and Jamestown, about 98 miles east, $148. For the statewide picture, see our guide to North Dakota car insurance rates.
What Car Insurance Is Required in Bismarck?
Drivers in Bismarck follow North Dakota’s rules. Every policy must include at least:
- $25,000 per person and $50,000 per crash for injuries you cause, and $25,000 for property damage (25/50/25)
- Uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per crash
- $30,000 per person in basic no-fault coverage (personal injury protection)
North Dakota is a no-fault state for injuries, so your own policy pays your medical bills and lost wages up to its limits, whoever caused the crash, according to the North Dakota Insurance and Securities Department. Our North Dakota requirements guide covers the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Bismarck
- Compare State Farm and Progressive first. They have the two lowest full-coverage averages among the insurers we rank in Bismarck, about $131 and $153 a month.
- Quote several insurers. Among the insurers we rank in Bismarck, the lowest and highest averages are about $90 a month apart for the same driver and car.
- Check the state’s cost survey. The North Dakota Insurance and Securities Department publishes a yearly auto insurance cost survey that compares insurers’ premiums for example drivers in Fargo, Bismarck and Mandan, Grand Forks, Minot and the rest of the state. Use it alongside our figures when you choose which insurers to quote.
- Compare at every renewal. Since November 2025, North Star Mutual has cut its Bismarck average 14.3%, Nodak Insurance 7.4%, American Family 3.5% and Progressive 3.4%, while State Farm has raised its average 2.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Bismarck, then compare free home insurance quotes.
Ready to compare
How We Calculated Bismarck Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Bismarck ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at North Dakota’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Every North Dakota policy must also include $30,000 per person in basic no-fault coverage, also called personal injury protection; the requirements section of this page explains what it pays.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 North Dakota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from North Dakota law and the North Dakota Insurance and Securities Department. We refresh these figures when new rate data is released.
Bismarck Car Insurance FAQ
Car insurance in Bismarck, ND, costs about $174 a month ($2,091 a year) for full coverage and $40 a month for liability-only coverage at North Dakota’s 25/50/25 liability minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 6% above the North Dakota average of $164 a month.
State Farm has the lowest full-coverage average in our Bismarck rate data, at about $131 a month, followed by Progressive at $153 among the insurers we rank. USAA, which sells only to military families, averages about $140 a month. For liability-only coverage, Progressive has the lowest average of the five insurers we price, at about $29 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Bismarck, for our benchmark driver. Bismarck full coverage averages about $174 a month and Mandan about $186, a difference of about $12 a month for the same driver and car. Mandan and Watford City have the highest averages of the 15 North Dakota cities and towns we price.
In our data, 58503 has the lowest full-coverage average in Bismarck, at about $169 a month, and 58501 the highest, at about $178. The ZIP code table on this page lists all three.
In our Bismarck data, full coverage (100/300/100 with $500 deductibles) averages about $174 a month and liability-only coverage at 25/50/25 limits about $40, a difference of about $134 a month ($1,615 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. North Dakota law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Bismarck must carry North Dakota’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25), uninsured and underinsured motorist coverage of at least 25/50, and $30,000 per person in basic no-fault coverage. North Dakota is a no-fault state for injuries, so your own policy pays your medical bills and lost wages up to that limit, whoever caused the crash.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Bismarck full coverage fell 6.4% between November 2025 and August 2026, from about $2,234 to $2,091 a year. North Star Mutual cut its Bismarck average 14.3%, Nodak Insurance 7.4%, American Family 3.5% and Progressive 3.4%, while State Farm raised its average 2.5%. Liability-only coverage at 25/50/25 limits fell 2.9%.
- About the Author
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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.
