Car Insurance Cost in Bismarck, ND – Cheapest Cars to Insure in 2025

• Average car insurance cost in Bismarck is $2,278 per year, or approximately $190 per month.
• Bismarck car insurance costs $56 per year more than the North Dakota state average and $2 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 $2,518 per year, Nissan Altima at $2,468, and Toyota Tacoma at $2,306.
• 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 $2,278 per year, which is about $190 per month. Bismarck car insurance costs 0.1% more than the overall national average rate of $2,276.

The average cost of car insurance in North Dakota is $2,222 per year, so Bismarck, ND, drivers pay an average of $56 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, $164 per year more expensive than in Grand Forks, and $190 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 $1,598 per year for a 60-year-old driver with a high deductible policy to $5,328 per year for a 20-year-old driver with low physical damage deductibles. From a monthly point of view, the average cost ranges from $133 to $444 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 – $8,110 per year or $676 per month
• 17 year old – $7,857 per year or $655 per month
• 18 year old – $7,043 per year or $587 per month
• 19 year old – $6,417 per year or $535 per month
• 20 year old – $4,584 per year or $382 per month
• 30 year old – $2,430 per year or $203 per month
• 40 year old – $2,278 per year or $190 per month
• 50 year old – $2,020 per year or $168 per month
• 60 year old – $1,892 per year or $158 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 $532 less than a male driver per year, while at age 19, the cost difference is smaller but males still pay $993 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 – $2,699 per year ($225 per month)
• Nissan Altima – $2,648 per year ($221 per month)
• Toyota Tacoma – $2,471 per year ($206 per month)
• Ford Escape – $2,227 per year ($186 per month)
• Hyundai Elantra – $2,655 per year ($221 per month)
• Tesla Model 3 – $2,875 per year ($240 per month)
• Jeep Grand Cherokee – $2,448 per year ($204 per month)
• Toyota Camry – $2,629 per year ($219 per month)
• Ram Truck – $2,828 per year ($236 per month)
• Toyota Highlander – $2,227 per year ($186 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 $1,980 or less per year ($165 per month) for full coverage.

Other vehicles that rank towards the top in our car insurance cost comparison are the Subaru Outback, Volkswagen Taos, Toyota GR Corolla, 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 $177 or less per month in Bismarck.

The next table ranks the vehicles with the cheapest overall insurance rates in Bismarck, ordered by annual cost.

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 $1,980 per year, Nissan Leaf at $1,996 per year, Honda Civic at $2,018 per year, and Nissan Sentra at $2,088 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 $2,218 per year or less.

From a monthly standpoint, full-coverage insurance in this segment for a safe driver can cost as low as $165 per month, depending on your company and location. The next table ranks the cars with the cheapest insurance rates in Bismarck.

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 $1,682 per year, Chevrolet Trailblazer at $1,712 per year, Kia Soul at $1,778 per year, and Nissan Kicks at $1,792 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 $1,866 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, models like the Volkswagen Tiguan, Kia Niro, Honda CR-V, Buick Envista, and Subaru Ascent average between $1,866 and $1,982 to insure per year in Bismarck.

Full-coverage insurance in Bismarck for this segment for a good driver can cost as low as $140 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 $1,682 per year. For midsize models, the Honda Passport has the best rates at $1,816 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,140 per year.

The table below ranks the SUVs with the lowest-cost average auto insurance rates in Bismarck, starting with the Subaru Crosstrek at $140 per month and ending with the Subaru Ascent at $165 per month.

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 $2,026 per year, the BMW 330i at $2,320 per year, and the Mercedes-Benz CLA250 at $2,344 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 $2,394 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 $2,394 and $2,556 per year to insure.

From a monthly standpoint, full-coverage insurance in Bismarck on this segment for a good driver will start around $169 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 $2,026 per year, or $169 per month. For midsize luxury car models, the Mercedes-Benz CLA250 has the cheapest rates at $2,344 per year, or $195 per month. And for full-size luxury car models, the Audi A5 has the cheapest car insurance rates at $2,708 per year, or $226 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 $2,026 per year and ending with the Audi S3 at $2,556 per year.

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 $1,904 per year, the Lexus NX 250 at $2,016 per year, and the Cadillac XT4 at $2,056 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 $2,196 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Cadillac XT6, Acura MDX, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Infiniti QX50 average between $2,196 and $2,286 per year for auto insurance.

Auto insurance in Bismarck for this segment starts at around $159 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 $1,904 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,130 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,556 per year.

The table below ranks the SUVs with the most affordable insurance in Bismarck, starting with the Acura RDX at $159 per month and ending with the Lexus RX 350 at $191 per month.

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 $2,208 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 $2,344 per year or less.

Auto insurance rates for this segment in Bismarck for a safe driver will start around $167 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 $167 per month and ending with the Ram Truck at $220 per month.

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 $2,108 per year, Toyota GR86 at $2,400 per year, Ford Mustang at $2,502 per year, and BMW Z4 at $2,518 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 $2,722 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 $176 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 $2,108 per year ($176 per month) and ending with the Porsche Taycan at $3,858 per year ($322 per month).

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 $384 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 $2,018 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 $382 per year for a 40-year-old driver and $742 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 $358 per year over a decent credit rating of 670-739. Conversely, a poor credit score could cost as much as $415 more per year. Not all states use credit score as a rating factor, so check with your agent or company.