- Average car insurance cost in Bismarck is $2,236 per year, or approximately $186 per month.
- Bismarck car insurance costs $62 per year more than the North Dakota state average and $15 per year more than the average rate for all 50 U.S. states.
- Auto insurance rates for a few popular vehicles in Bismarck include the Chevrolet Silverado at $2,468 per year, Nissan Altima at $2,418, and Toyota Tacoma at $2,262.
- Vehicles like the Honda CR-V, Mazda CX-5, Hyundai Venue, and Nissan Kicks are the best choices for cheap car insurance in Bismarck.
What is average car insurance cost in Bismarck?
The average price for car insurance in Bismarck is $2,236 per year, which is about $186 per month. Bismarck car insurance costs 0.7% more than the overall national average rate of $2,221.
The average cost of car insurance in North Dakota is $2,174 per year, so Bismarck, ND, drivers pay an average of $62 more per year than the overall North Dakota state-wide average rate. The cost of car insurance in Bismarck compared to other North Dakota locations is $22 per year more expensive than in Minot, $166 per year more expensive than in Grand Forks, and $194 per year more expensive than in West Fargo.
The chart below shows additional information for drivers age 20 to 60 by including rates for three different policy deductibles. These extra rates can help you understand how the cost of car insurance increases with lower deductibles, and decreases with higher deductibles.
In the chart above, the cost of auto insurance in Bismarck ranges from $1,566 per year for a 60-year-old driver with a high deductible policy to $5,228 per year for a 20-year-old driver with low physical damage deductibles. From a monthly point of view, the average cost ranges from $131 to $436 per month.
Bismarck auto insurance rates can have significant differences in cost and can also be significantly different between companies. The possibility of a wide range of rates increases the need for accurate free car insurance quotes when shopping around for the cheapest Bismarck auto insurance.
The age of the driver is one of the biggest factors in determining the price you pay for car insurance, so the list below illustrates this point by showing the difference in average car insurance rates for drivers from 16 to 60.
Average car insurance cost for Bismarck, North Dakota, drivers age 16 to 60
- 16 year old – $7,958 per year or $663 per month
- 17 year old – $7,709 per year or $642 per month
- 18 year old – $6,908 per year or $576 per month
- 19 year old – $6,293 per year or $524 per month
- 20 year old – $4,496 per year or $375 per month
- 30 year old – $2,384 per year or $199 per month
- 40 year old – $2,236 per year or $186 per month
- 50 year old – $1,978 per year or $165 per month
- 60 year old – $1,852 per year or $154 per month
The rates in the list above for insuring teenage drivers assumed the gender of the driver was male. The chart below breaks out average car insurance cost for teenagers in Bismarck, ND, by gender. Females are usually a little cheaper to insure, especially in the teen years.
Auto insurance for a 16-year-old female driver in Bismarck costs an average of $525 less than a male driver per year, while at age 19, the cost difference is smaller but males still pay $974 more per year.
Car insurance cost for Bismarck drivers’ favorite vehicles
The rates referenced above consist of an average based on every 2024 vehicle model, which is suitable for making big picture comparisons like the average cost difference between two North Dakota cities.
For more useful car insurance comparisons, however, we should compare rates for the exact vehicle being insured. In the next few article sections, we compare all kinds of car insurance rates for specific models, but for now, a handful of the most popular vehicles will be shown to find out how auto insurance rates compare in Bismarck.
The following list details average annual and monthly insurance rates for a handful of the more popular vehicles bought and insured in Bismarck. Towards the end of this article, there is a section that examines rates for some of these models in more detail.
Car insurance rates for popular models in Bismarck
- Chevrolet Silverado – $2,645 per year ($220 per month)
- Nissan Altima – $2,595 per year ($216 per month)
- Toyota Tacoma – $2,424 per year ($202 per month)
- Ford Escape – $2,185 per year ($182 per month)
- Hyundai Elantra – $2,601 per year ($217 per month)
- Tesla Model 3 – $2,818 per year ($235 per month)
- Jeep Grand Cherokee – $2,401 per year ($200 per month)
- Toyota Camry – $2,579 per year ($215 per month)
- Ram Truck – $2,772 per year ($231 per month)
- Toyota Highlander – $2,182 per year ($182 per month)
In Bismarck, which vehicles are cheapest to insure?
When comparing makes and models from all segments, the models with the cheapest insurance prices in Bismarck tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue. Average car insurance quotes for those vehicles cost $1,944 or less per year ($162 per month) for full coverage.
Other vehicles that rank towards the top in our car insurance cost comparison are the Honda CR-V, Volkswagen Taos, Honda HR-V, and Buick Encore. Average auto insurance rates are slightly higher for those models than the small SUVs and crossovers at the top of the list, but they still have an average cost of $174 or less per month in Bismarck.
The next table ranks the vehicles with the cheapest overall insurance rates in Bismarck, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,650 | $138 |
| 2 | Chevrolet Trailblazer | $1,678 | $140 |
| 3 | Kia Soul | $1,742 | $145 |
| 4 | Nissan Kicks | $1,760 | $147 |
| 5 | Honda Passport | $1,780 | $148 |
| 6 | Buick Envision | $1,790 | $149 |
| 7 | Toyota Corolla Cross | $1,800 | $150 |
| 8 | Hyundai Venue | $1,816 | $151 |
| 9 | Mazda CX-5 | $1,820 | $152 |
| 10 | Ford Bronco Sport | $1,828 | $152 |
| 11 | Volkswagen Tiguan | $1,848 | $154 |
| 12 | Acura RDX | $1,868 | $156 |
| 13 | Nissan Murano | $1,874 | $156 |
| 14 | Buick Encore | $1,896 | $158 |
| 15 | Honda CR-V | $1,902 | $159 |
| 16 | Subaru Outback | $1,902 | $159 |
| 17 | Buick Envista | $1,908 | $159 |
| 18 | Volkswagen Taos | $1,912 | $159 |
| 19 | Kia Niro | $1,920 | $160 |
| 20 | Toyota GR Corolla | $1,940 | $162 |
| 21 | Honda HR-V | $1,944 | $162 |
| 22 | Subaru Ascent | $1,944 | $162 |
| 23 | Nissan Leaf | $1,956 | $163 |
| 24 | Chevrolet Colorado | $1,968 | $164 |
| 25 | Lexus NX 250 | $1,976 | $165 |
| 26 | Honda Civic | $1,978 | $165 |
| 27 | Volkswagen Atlas | $1,982 | $165 |
| 28 | Acura Integra | $1,984 | $165 |
| 29 | Subaru Forester | $1,988 | $166 |
| 30 | Volkswagen Atlas Cross Sport | $1,990 | $166 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 27, 2025
A table of 30 vehicles with the cheapest insurance in Bismarck is great if you’re just wanting the lowest rates. Considering the fact that we have over 700 models in our database, less than 4% of makes and models are shown in the table.
So let’s take a different approach and list the models with the cheapest rates in a more sensible format, by automotive segment. The next six sections rank the models with the cheapest car insurance rates in Bismarck for the six main automotive segments.
Cheapest cars to insure in Bismarck, North Dakota
The four top-ranked non-luxury sedans with the most affordable average auto insurance rates in Bismarck are the Toyota GR Corolla at $1,940 per year, Nissan Leaf at $1,956 per year, Honda Civic at $1,978 per year, and Nissan Sentra at $2,048 per year.
Not the cheapest to insure, but still ranked well, are cars like the Honda Accord, Kia K5, Chevrolet Malibu, and Toyota Prius, with an average cost of $2,176 per year or less.
From a monthly standpoint, full-coverage insurance in this segment for a safe driver can cost as low as $162 per month, depending on your company and location. The next table ranks the cars with the cheapest insurance rates in Bismarck.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,940 | $162 |
| Nissan Leaf | Compact | $1,956 | $163 |
| Honda Civic | Compact | $1,978 | $165 |
| Nissan Sentra | Compact | $2,048 | $171 |
| Subaru Impreza | Compact | $2,052 | $171 |
| Toyota Prius | Compact | $2,086 | $174 |
| Kia K5 | Midsize | $2,150 | $179 |
| Honda Accord | Midsize | $2,154 | $180 |
| Chevrolet Malibu | Midsize | $2,168 | $181 |
| Toyota Corolla | Compact | $2,176 | $181 |
| Kia Forte | Compact | $2,180 | $182 |
| Volkswagen Arteon | Midsize | $2,194 | $183 |
| Nissan Versa | Compact | $2,202 | $184 |
| Subaru Legacy | Midsize | $2,202 | $184 |
| Hyundai Ioniq 6 | Midsize | $2,220 | $185 |
| Mitsubishi Mirage G4 | Compact | $2,258 | $188 |
| Toyota Crown | Midsize | $2,260 | $188 |
| Volkswagen Jetta | Compact | $2,260 | $188 |
| Hyundai Sonata | Midsize | $2,266 | $189 |
| Mazda 3 | Compact | $2,308 | $192 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 27, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in North Dakota.
Cheapest SUVs to insure in Bismarck, ND
The four most affordable SUVs to insure in Bismarck are the Subaru Crosstrek at $1,650 per year, Chevrolet Trailblazer at $1,678 per year, Kia Soul at $1,742 per year, and Nissan Kicks at $1,760 per year.
Not the cheapest, but still in the top 10, are models like the Buick Envision, Hyundai Venue, Ford Bronco Sport, and Toyota Corolla Cross, with average annual insurance rates of $1,828 per year or less.
Ranked in the bottom half of the top 20 cheapest SUVs to insure, models like the Volkswagen Tiguan, Kia Niro, Subaru Outback, Buick Envista, and Subaru Ascent average between $1,828 and $1,944 to insure per year in Bismarck.
Full-coverage insurance in Bismarck for this segment for a good driver can cost as low as $138 per month, depending on the company and your location.
When prices are compared by vehicle size, the cheapest compact SUV to insure in Bismarck is the Subaru Crosstrek at $1,650 per year. For midsize models, the Honda Passport has the best rates at $1,780 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,096 per year.
The table below ranks the SUVs with the lowest-cost average auto insurance rates in Bismarck, starting with the Subaru Crosstrek at $138 per month and ending with the Subaru Ascent at $162 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,650 | $138 |
| Chevrolet Trailblazer | Compact | $1,678 | $140 |
| Kia Soul | Compact | $1,742 | $145 |
| Nissan Kicks | Compact | $1,760 | $147 |
| Honda Passport | Midsize | $1,780 | $148 |
| Buick Envision | Compact | $1,790 | $149 |
| Toyota Corolla Cross | Compact | $1,800 | $150 |
| Hyundai Venue | Compact | $1,816 | $151 |
| Mazda CX-5 | Compact | $1,820 | $152 |
| Ford Bronco Sport | Compact | $1,828 | $152 |
| Volkswagen Tiguan | Compact | $1,848 | $154 |
| Nissan Murano | Midsize | $1,874 | $156 |
| Buick Encore | Compact | $1,896 | $158 |
| Honda CR-V | Compact | $1,902 | $159 |
| Subaru Outback | Midsize | $1,902 | $159 |
| Buick Envista | Midsize | $1,908 | $159 |
| Volkswagen Taos | Compact | $1,912 | $159 |
| Kia Niro | Compact | $1,920 | $160 |
| Honda HR-V | Compact | $1,944 | $162 |
| Subaru Ascent | Midsize | $1,944 | $162 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see your SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bismarck car insurance quotes from top companies in North Dakota.
Cheapest luxury car insurance rates in Bismarck
The three top-ranked luxury car models with the cheapest insurance in Bismarck are the Acura Integra at $1,984 per year, the BMW 330i at $2,272 per year, and the Mercedes-Benz CLA250 at $2,296 per year.
Rounding out the top 10 are cars like the Genesis G70, Lexus RC 300, Mercedes-Benz AMG CLA35, and Cadillac CT4, with average cost of $2,346 per year or less.
Ranking between positions 10 and 20, models like the Lexus ES 300h, Jaguar XF, BMW 230i, Lexus IS 350, Lexus RC 350, and BMW 330e average between $2,346 and $2,502 per year to insure.
From a monthly standpoint, full-coverage insurance in Bismarck on this segment for a good driver will start around $165 per month, depending on the company and where you live.
When vehicle size is considered, the most affordable small luxury car to insure in Bismarck is the Acura Integra at $1,984 per year, or $165 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the cheapest rates at $2,296 per year, or $191 per month. And for full-size luxury car models, the Audi A5 has the cheapest car insurance rates at $2,656 per year, or $221 per month.
The rate comparison table below ranks the luxury cars with the lowest-cost car insurance rates in Bismarck, starting with the Acura Integra at $1,984 per year and ending with the Audi S3 at $2,502 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,984 | $165 |
| BMW 330i | Compact | $2,272 | $189 |
| Mercedes-Benz CLA250 | Midsize | $2,296 | $191 |
| Lexus IS 300 | Midsize | $2,302 | $192 |
| Acura TLX | Compact | $2,308 | $192 |
| Cadillac CT4 | Compact | $2,332 | $194 |
| Lexus ES 350 | Midsize | $2,332 | $194 |
| Genesis G70 | Compact | $2,338 | $195 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,340 | $195 |
| Lexus RC 300 | Midsize | $2,346 | $196 |
| Lexus IS 350 | Compact | $2,356 | $196 |
| Jaguar XF | Midsize | $2,362 | $197 |
| Cadillac CT5 | Midsize | $2,408 | $201 |
| Lexus ES 250 | Midsize | $2,414 | $201 |
| Lexus RC 350 | Compact | $2,422 | $202 |
| BMW 330e | Compact | $2,424 | $202 |
| BMW 228i | Compact | $2,428 | $202 |
| BMW 230i | Compact | $2,448 | $204 |
| Lexus ES 300h | Midsize | $2,452 | $204 |
| Audi S3 | Compact | $2,502 | $209 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 27, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Need rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Bismarck car insurance quotes from top-rated companies in North Dakota.
Cheapest luxury SUV insurance rates in Bismarck, ND
The three top-ranked luxury SUVs with the lowest-cost average auto insurance rates in Bismarck are the Acura RDX at $1,868 per year, the Lexus NX 250 at $1,976 per year, and the Cadillac XT4 at $2,016 per year.
Some other luxury SUVs that are affordable to insure include the Lexus NX 350h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus NX 450h, with average rates of $2,154 per year or less.
In the lower half of the top 20 luxury SUVs to insure, models like the Cadillac XT6, Land Rover Evoque, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Infiniti QX50 average between $2,154 and $2,242 per year for auto insurance.
Auto insurance in Bismarck for this segment starts at around $156 per month, depending on where you live.
If ranked by vehicle size, the cheapest compact luxury SUV to insure in Bismarck is the Acura RDX at $1,868 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,088 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,502 per year.
The table below ranks the SUVs with the most affordable insurance in Bismarck, starting with the Acura RDX at $156 per month and ending with the Lexus RX 350 at $187 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,868 | $156 |
| Lexus NX 250 | Compact | $1,976 | $165 |
| Cadillac XT4 | Compact | $2,016 | $168 |
| Jaguar E-Pace | Midsize | $2,088 | $174 |
| Cadillac XT5 | Midsize | $2,106 | $176 |
| Lexus NX 350h | Compact | $2,106 | $176 |
| Lincoln Corsair | Compact | $2,132 | $178 |
| Mercedes-Benz GLB 250 | Compact | $2,136 | $178 |
| Lexus UX 250h | Compact | $2,142 | $179 |
| Lexus NX 450h | Compact | $2,154 | $180 |
| Infiniti QX50 | Midsize | $2,172 | $181 |
| Mercedes-Benz GLA250 | Compact | $2,176 | $181 |
| Mercedes-Benz GLA35 AMG | Compact | $2,184 | $182 |
| Cadillac XT6 | Midsize | $2,186 | $182 |
| Infiniti QX60 | Midsize | $2,196 | $183 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,200 | $183 |
| Land Rover Evoque | Compact | $2,228 | $186 |
| Acura MDX | Midsize | $2,232 | $186 |
| Lexus NX 350 | Compact | $2,238 | $187 |
| Lexus RX 350 | Midsize | $2,242 | $187 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 26, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in North Dakota.
Cheapest pickup truck insurance rates in Bismarck
Ranking at the top of the list for the lowest-cost Bismarck car insurance rates in the pickup segment are the Ford Ranger, Nissan Titan, Nissan Frontier, Ford Maverick, and Chevrolet Colorado. Auto insurance rates for these models average $2,166 or less per year.
Not the cheapest in the list, but still ranking well, are trucks like the GMC Sierra 2500 HD, Hyundai Santa Cruz, Honda Ridgeline, and Toyota Tacoma, with an average cost of $2,298 per year or less.
Auto insurance rates for this segment in Bismarck for a safe driver will start around $164 per month, depending on where you live and the company you use.
The comparison table below ranks the twenty pickups with the lowest-cost insurance rates in Bismarck, starting with the Chevrolet Colorado at $164 per month and ending with the Ram Truck at $215 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,968 | $164 |
| Nissan Titan | Full-size | $2,090 | $174 |
| Nissan Frontier | Midsize | $2,112 | $176 |
| Ford Ranger | Midsize | $2,132 | $178 |
| Ford Maverick | Midsize | $2,166 | $181 |
| Honda Ridgeline | Midsize | $2,216 | $185 |
| Hyundai Santa Cruz | Midsize | $2,254 | $188 |
| Toyota Tacoma | Midsize | $2,262 | $189 |
| GMC Sierra 2500 HD | Heavy Duty | $2,272 | $189 |
| GMC Canyon | Midsize | $2,298 | $192 |
| Jeep Gladiator | Midsize | $2,354 | $196 |
| GMC Sierra 3500 | Heavy Duty | $2,368 | $197 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,388 | $199 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,452 | $204 |
| GMC Sierra | Full-size | $2,466 | $206 |
| Chevrolet Silverado | Full-size | $2,468 | $206 |
| Nissan Titan XD | Heavy Duty | $2,470 | $206 |
| Ford F150 | Full-size | $2,498 | $208 |
| GMC Hummer EV Pickup | Full-size | $2,562 | $214 |
| Ram Truck | Full-size | $2,584 | $215 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 26, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Don’t see your pickup in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Bismarck car insurance quotes from top-rated companies in North Dakota.
Cheapest sports cars to insure in Bismarck
The four cheapest sports cars to insure in Bismarck are the Mazda MX-5 Miata at $2,066 per year, Toyota GR86 at $2,354 per year, Ford Mustang at $2,454 per year, and BMW Z4 at $2,466 per year.
Additional models that have cheaper rates are the Toyota GR Supra, Lexus RC F, Nissan Z, and Subaru BRZ, with an average car insurance cost of $2,674 per year or less.
As a cost per month, auto insurance in this segment for an average middle-age driver starts at an average of $172 per month, depending on your location and insurance company.
The rate comparison table below ranks the twenty sports cars with the lowest-cost auto insurance rates in Bismarck, starting with the Mazda MX-5 Miata at $2,066 per year ($172 per month) and ending with the Porsche Taycan at $3,784 per year ($315 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,066 | $172 |
| Toyota GR86 | Sports Car | $2,354 | $196 |
| Ford Mustang | Sports Car | $2,454 | $205 |
| BMW Z4 | Sports Car | $2,466 | $206 |
| Subaru WRX | Sports Car | $2,504 | $209 |
| Toyota GR Supra | Sports Car | $2,510 | $209 |
| BMW M2 | Sports Car | $2,584 | $215 |
| Nissan Z | Sports Car | $2,586 | $216 |
| Lexus RC F | Sports Car | $2,638 | $220 |
| Subaru BRZ | Sports Car | $2,674 | $223 |
| BMW M3 | Sports Car | $2,822 | $235 |
| Porsche 718 | Sports Car | $2,876 | $240 |
| Chevrolet Camaro | Sports Car | $2,906 | $242 |
| Chevrolet Corvette | Sports Car | $3,094 | $258 |
| Porsche 911 | Sports Car | $3,200 | $267 |
| BMW M4 | Sports Car | $3,336 | $278 |
| Lexus LC 500 | Sports Car | $3,352 | $279 |
| Jaguar F-Type | Sports Car | $3,524 | $294 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,696 | $308 |
| Porsche Taycan | Sports Car | $3,784 | $315 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bismarck, ND Zip Codes. Updated June 27, 2025
Don’t see your sports car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Bismarck.
How to find cheaper Bismarck auto insurance
Drivers are always searching for ways to pay less for car insurance So read through the money-saving ideas below and maybe you’ll be able to save a little cash on your next renewal.
- Stay claim free. Car insurance companies offer a discount for not filing any claims. Car insurance should only be used to protect you from larger claims, not small claims.
- Earn discounts to save money. Savings may be available if the insureds are good students, are claim-free, are accident-free, take a defensive driving course, or many other discounts which could save the average Bismarck driver as much as $378 per year.
- Buy vehicles with more affordable auto insurance rates. The vehicle you choose to drive has a huge impact on the cost of auto insurance. For example, a Kia Telluride costs $1,978 less per year to insure in Bismarck than a Audi R8. Lower performance vehicles cost less to insure.
- The higher deductible you choose, the lower the policy cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Shop around and save. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes can save more money than you might think. Rates are always changing and you can switch anytime.
- Compare insurance cost before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance premiums, and insurance companies can price policies with a wide range of costs. Get plenty of quotes to compare the cost of insurance before you buy a new car in order to prevent insurance sticker shock when buying coverage for your new car.
- Cheaper rates come with better credit scores. Drivers who have credit scores over 800 could save up to $351 per year over a decent credit rating of 670-739. Conversely, a poor credit score could cost as much as $407 more per year. Not all states use credit score as a rating factor, so check with your agent or company.