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Get Cheap Car Insurance in Downtown Grand Forks, Grand Forks, ND

We monitor insurance prices, helping the average driver in Downtown Grand Forks save up to 27.8% on car insurance.

 

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The Cheapest Minimum Coverage in Downtown Grand Forks

The chart below shows the cheapest car insurance company in Downtown Grand Forks for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Midvale Home & Auto, American Family Insurance, and Auto-Owners Insurance.

 
Downtown Grand Forks Insurer Monthly Cost
State Farm $31
Midvale Home & Auto $32
American Family Insurance $32
Auto-Owners Insurance $36

Savings for Every Kind of Downtown Grand Forks Driver

The table shows how much the average auto insurance customer in Downtown Grand Forks might save by following our recommendations.

Based on our extensive insurance data, we know the average Downtown Grand Forks driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $378 per year by choosing the right vehicle insurance company. Some Downtown Grand Forks residents are paying out over $1,361 extra every year for auto insurance in Downtown Grand Forks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Downtown Grand Forks, Grand Forks, ND Savings / Yr.
Drivers with good records
$378
Drivers with accidents
$496
Drivers with speeding tickets
$348
Drivers with a DUI conviction
$451
Young drivers
$1,078
Married drivers
$346
Drivers with bad credit
$425

Downtown Grand Forks Car Insurance vs. Grand Forks

People living in Downtown Grand Forks pay an average of 4.35% less than the typical driver in the state. The average driver in Downtown Grand Forks can expect to pay about $472 per year, or $1,361 for full coverage.

Based on our analysis, MetLife will be the cheapest provider in Downtown Grand Forks for most people.

Car Insurance Prices by Downtown Grand Forks Neighborhood

Downtown Grand Forks, Grand Forks, ND map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Downtown Grand Forks?

The map shows insurance prices in and around Downtown Grand Forks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $136 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,433 to a low of $1,297. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Downtown Grand Forks.

Pick the Best Car Insurance Company for You in Downtown Grand Forks

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Downtown Grand Forks insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Downtown Grand Forks

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $378 over the average Downtown Grand Forks car insurance company.

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We use the average good driver, paying $82 per month, as our baseline for pricing in Downtown Grand Forks. State Farm, Nationwide, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Downtown Grand Forks drivers with accidents on their records

In Downtown Grand Forks getting into an accident will raise premiums an average 32% for a yearly cost of $2,012. That's $650 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Grinnell Mutual, and Midvale Home & Auto are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $496 over the competition.

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The best car insurance company for Downtown Grand Forks drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $348 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Downtown Grand Forks, tickets raise premiums on new quotes about $360. If you have a speeding ticket, we recommend State Farm, Geico, and Midvale Home & Auto for savings that beat the average insurance cost of $1,721 per year.

The best auto insurance for Downtown Grand Forks drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,737 per year in auto insurance premiums, which was $376 more than a driver with no major issues. State Farm, Grinnell Mutual, and Midvale Home & Auto penalized their customers the least for a DUI.

Getting a quote from Grinnell Mutual may cost the average person with a DUI about $451 less each year.

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The least expensive car insurance company for new and young drivers in Downtown Grand Forks

In Downtown Grand Forks, State Farm costs young drivers $1,078 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Downtown Grand Forks. With an average cost of $4,191 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Nationwide, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Downtown Grand Forks

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $55. State Farm, Geico, and Progressive provided the largest discounts to couples living in Downtown Grand Forks.

State Farm gave the largest car insurance discounts to married couples, averaging $346 saved each year compared to an average Downtown Grand Forks couple's premiums.

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The cheapest car insurance in Downtown Grand Forks for drivers with bad credit

People with poor credit saved an average of $425 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $848 every year. Premiums for people with poor credit were about $2,210 in Downtown Grand Forks. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and American Family Insurance.

The best Downtown Grand Forks car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Downtown Grand Forks, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Downtown Grand Forks.

Nationwide was the best company for customer service in Downtown Grand Forks according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Downtown Grand Forks, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Downtown Grand Forks. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Downtown Grand Forks

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 52% of Downtown Grand Forks residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Downtown Grand Forks driver can expect to pay about $91 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Grand Forks, USAA has the best prices for drivers with a DUI conviction, married couples, good drivers, drivers with accidents, drivers with speeding tickets, drivers with bad credit, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Downtown Grand Forks

What Influences the Cost of Car Insurance in Downtown Grand Forks?

On average, car insurance in Downtown Grand Forks is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Downtown Grand Forks is 18 minutes, which is a little less than average for a driver in the city.
  • North Dakota state insurance regulations may allow for lower prices.
  • An average of 18 to 19 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Downtown Grand Forks are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Downtown Grand Forks has an average population density in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Downtown Grand Forks is $39 per month for minimum coverage and $113 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Downtown Grand Forks driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Downtown Grand Forks with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.