For a 40-year-old driver with a clean record, car insurance in Grand Forks, ND, averages about $156 a month ($1,873 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the North Dakota average of $164 a month. State Farm has the lowest full-coverage average of the five insurers we price, at about $123 a month.
Grand Forks costs a little less than the North Dakota average for our benchmark driver, about $8 a month less, and it’s the sixth-least expensive of the 15 North Dakota cities and towns in our city table. Compare car insurance quotes in Grand Forks, ND, with these averages in hand.
Our figures cover the two ZIP codes with a Grand Forks mailing address that we price: 58201, on the south side, at about $155 a month, and 58203, to its north, at about $157. Another ZIP code inside the city, 58202, isn’t among the ZIP codes we price.
Cost data comes from the auto rates insurers file with state regulators, priced across both Grand Forks 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 Grand Forks, ND?
Car insurance in Grand Forks, ND, costs about $156 a month ($1,873 a year) for full coverage and $41 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 5% below the North Dakota average of $164 a month.
- Full coverage (100/300/100, $500 deductibles): $1,873 a year ($156 a month)
- 50/100/50 with $500 deductibles: $1,858 a year ($155 a month)
- Liability only (25/50/25): $492 a year ($41 a month)
- Grand Forks County: $1,873 a year ($156 a month) for full coverage
- North Dakota average: $1,963 a year ($164 a month) for full coverage
- ZIP code range: $155 (58201) to $157 (58203) a month for full coverage
Cheapest Car Insurance in Grand Forks, ND: Companies Compared
- Lowest average in our data, full coverage: State Farm, at about $123 a month ($1,480 a year).
- Next lowest among the insurers we rank: Progressive, at about $134 a month, then Nodak Insurance at $144.
- Lowest liability-only average (25/50/25): North Star Mutual, at about $28 a month, then Progressive at $32.
- Also on our list: Auto-Owners at about $129 a month, USAA at $131, GEICO at $216 and Allstate at $298 (USAA sells only to military families).
- Most expensive among insurers we rank: American Family, at about $203 a month, $952 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 Grand Forks 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, North Star Mutual has the lowest average among the insurers we price, at about $28 a month, followed by Progressive at $32.
Full-coverage averages by insurer in Grand Forks
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 | $426 | $36 | $1,480 | $123 |
| Progressive | $382 | $32 | $1,610 | $134 |
| Nodak Insurance | $614 | $51 | $1,725 | $144 |
| North Star Mutual | $334 | $28 | $2,116 | $176 |
| American Family | $704 | $59 | $2,432 | $203 |
| Auto-Owners* | $422 | $35 | $1,546 | $129 |
| USAA (military families)* | $434 | $36 | $1,573 | $131 |
| GEICO* | $680 | $57 | $2,593 | $216 |
| Allstate* | $1,141 | $95 | $3,571 | $298 |
| Grand Forks average | $492 | $41 | $1,873 | $156 |
This table uses Grand Forks 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.
Your ZIP code matters
How Much More Does Better Coverage Cost in Grand Forks?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Grand Forks data: with the same $500 deductibles, full coverage averages $1,873 a year and 50/100/50 averages $1,858. 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 Grand Forks?
Not for our benchmark driver. Comparing the same insurers in the same Grand Forks ZIP codes, full coverage averaged $2,012 a year in rates as of Nov. 30, 2025, and $1,873 as of Aug. 31, 2026, a 6.9% drop. North Star Mutual cut its Grand Forks average 12.9%, Nodak Insurance 11.7%, Progressive 5.7% and American Family 3.8%, while State Farm raised its average 2.5%. Liability-only coverage at 25/50/25 limits fell 3.9%, led by Progressive, which cut its liability-only average 12.6%.
What Shapes Car Insurance Costs in Grand Forks
Grand Forks County, which in our data is the two Grand Forks ZIP codes, averages about $156 a month for full coverage, the fourth-least expensive of the 13 North Dakota counties we price. State Farm averages about $123 a month here, its lowest of the four North Dakota cities we publish a guide for.
Liability-only coverage costs more here: at about $41 a month, Grand Forks has the highest liability-only average of the 15 North Dakota cities and towns we price, against $37 statewide. Devils Lake, about 85 miles west, averages $164 a month for full coverage. Insurers set North Dakota prices by area as well as by driver, so the same car can cost more or less to insure a few miles away.
How Grand Forks 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.
Fargo, about 73 miles south, averages $147 a month, about $9 less than Grand Forks. Minot, about 198 miles west, averages $175 and Bismarck $174. For the statewide picture, see our guide to North Dakota car insurance rates.
What Car Insurance Is Required in Grand Forks?
Drivers in Grand Forks 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 Grand Forks
- Compare State Farm and Progressive first. They have the two lowest full-coverage averages among the insurers we rank in Grand Forks, about $123 and $134 a month.
- Quote several insurers. Among the insurers we rank in Grand Forks, the lowest and highest averages are about $80 a month apart for the same driver and car.
- Decide on excess no-fault coverage. Every North Dakota policy includes $30,000 per person in basic no-fault coverage, and insurers must offer excess no-fault coverage up to $80,000 in total, under N.D.C.C. 26.1-41-04. Compare what that adds to your premium with your health coverage.
- Compare at every renewal. Since November 2025, North Star Mutual has cut its Grand Forks average 12.9%, Nodak Insurance 11.7%, Progressive 5.7% and American Family 3.8%, 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 North Dakota, then compare free home insurance quotes.
Ready to compare
How We Calculated Grand Forks 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: 10 full-coverage premiums from five insurers across two Grand Forks 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.
Grand Forks Car Insurance FAQ
Car insurance in Grand Forks, ND, costs about $156 a month ($1,873 a year) for full coverage and $41 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 5% below the North Dakota average of $164 a month.
State Farm has the lowest full-coverage average in our Grand Forks rate data, at about $123 a month, with Progressive close behind at $134 among the insurers we rank. USAA, which sells only to military families, averages about $131 a month. For liability-only coverage, North Star Mutual has the lowest average of the five insurers we price, at about $28 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Fargo, for our benchmark driver. Grand Forks full coverage averages about $156 a month and Fargo about $147, a difference of about $9 a month for the same driver and car.
For our benchmark driver, liability-only coverage at North Dakota’s 25/50/25 liability minimum averages about $41 a month ($492 a year) in Grand Forks, the highest of the 15 North Dakota cities and towns we price and about $4 more than the North Dakota average of $37. North Star Mutual has the lowest liability-only average here, about $28 a month, followed by Progressive at $32.
In our Grand Forks data, full coverage (100/300/100 with $500 deductibles) averages about $156 a month and liability-only coverage at 25/50/25 limits about $41, a difference of about $115 a month ($1,381 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 Grand Forks 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, Grand Forks full coverage fell 6.9% between November 2025 and August 2026, from about $2,012 to $1,873 a year. North Star Mutual cut its Grand Forks average 12.9%, Nodak Insurance 11.7%, Progressive 5.7% and American Family 3.8%, while State Farm raised its average 2.5%. Liability-only coverage at 25/50/25 limits fell 3.9%.
- 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.
