Cheapest car insurance companies in Bismarck
A recent data analysis by Insurance.com found the cheapest car insurance companies are Nationwide and American Family in Bismarck for 2023.
The car insurance company in Bismarck that provides the cheapest car insurance premiums is Nationwide, with an average annual rate of $1,097 .
Car insurance costs may vary in Bismarck based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Bismarck.
| Companies | Average annual rates |
|---|---|
| USAA | $743 |
| Nationwide | $1,097 |
| American Family | $1,100 |
| Progressive | $1,321 |
| Geico | $1,423 |
| State Farm | $1,537 |
| Auto-Owners | $1,584 |
| Farmers | $1,905 |
| Nodak Insurance | $2,194 |
| Allstate | $2,303 |
| North Star Mutual | $2,344 |
Cheapest car insurance cost in Bismarck by Age Group
In Bismarck, American Family is the cheapest car insurance company for teenagers, offering full coverage policies at $2,626 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
For young drivers in Bismarck, USAA has the cheapest auto insurance rates, with an average annual cost of $1,436 annually.
As Bismarck drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $802.
With an average annual premium of $706, USAA offers Bismarck's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| American Family | $2,626 | $1,543 | $1,076 | $974 |
| Nationwide | $3,335 | $1,773 | $1,072 | $1,008 |
| USAA | $3,846 | $1,436 | $802 | $706 |
| Auto-Owners | $3,884 | $2,539 | $1,581 | $1,516 |
| State Farm | $4,595 | $2,630 | $1,547 | $1,469 |
| North Star Mutual | $5,212 | $3,655 | $2,229 | $2,061 |
| Nodak Insurance | $5,333 | $3,300 | $2,014 | $1,982 |
| Progressive | $6,327 | $2,162 | $1,334 | $1,306 |
| Geico | $6,791 | $3,304 | $2,130 | $2,275 |
| Allstate | $8,115 | $3,525 | $2,274 | $2,289 |
| Farmers | $8,168 | $2,528 | $1,828 | $1,698 |
Cheapest car insurance companies in Bismarck by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Bismarck. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Bismarck that suits your budget.
Here are some of the cheapest car insurance companies in Bismarck based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
USAA has the cheapest rates for Bismarck drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,169, USAA offers substantial savings among the insurers analyzed.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| USAA | $1,169 |
| Nationwide | $1,358 |
| Geico | $1,419 |
| Farmers | $2,096 |
| Progressive | $2,132 |
| State Farm | $2,371 |
| Allstate | $3,209 |
Cheapest for drivers with a speeding ticket: USAA
In Bismarck, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $796, on average.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $796 |
| State Farm | $1,244 |
| Geico | $1,282 |
| Nationwide | $1,409 |
| Progressive | $1,529 |
| Farmers | $1,884 |
| Allstate | $2,557 |
Cheapest auto insurance after an at-fault accident: USAA
According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Bismarck for drivers involved in at-fault accidents, with an average annual cost of $1,008. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| USAA | $1,008 |
| State Farm | $1,337 |
| Nationwide | $1,497 |
| Progressive | $1,937 |
| Farmers | $2,131 |
| Geico | $2,579 |
| Allstate | $2,837 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Bismarck. On average, its annual full coverage rate is $1,244, making it a significantly cheaper option than other insurance providers.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,244 |
| Progressive | $1,565 |
| USAA | $1,596 |
| Farmers | $2,172 |
| Nationwide | $2,489 |
| Allstate | $4,287 |
| Geico | $5,720 |
Average car insurance cost in Bismarck
In Bismarck, the annual cost of car insurance for the coverage level of 100/300/100 is $1,596 or around $133 per month. However, the average yearly rate for state minimum coverage in Bismarck is $386.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,596 | $386 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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