- Average car insurance cost in Grand Forks is $2,070 per year, or $173 per month, for a full-coverage policy.
- Monthly car insurance rates for a few popular models in Grand Forks include the Nissan Rogue at $155, Ram Truck at $200, and Nissan Sentra at $158.
- Compact crossovers like the Kia Soul, Chevrolet Trailblazer, Honda CR-V, and Mazda CX-5 are the top choices for cheap car insurance in Grand Forks.
- Auto insurance quotes in Grand Forks can range significantly from as little as $31 per month for just liability insurance to well over $718 per month for drivers with poor driving records.
How much does car insurance cost in Grand Forks?
The average price for car insurance in Grand Forks is $2,070 per year, which is 7% less than the overall U.S. national average rate of $2,221. The average cost per month for car insurance in Grand Forks is $173 for a policy that provides full coverage.
In the state of North Dakota, the average car insurance expense is $2,174 per year, so the average cost in Grand Forks is $104 less per year. The average cost to insure a vehicle in Grand Forks compared to other North Dakota cities is approximately $20 per year less than in Fargo, $166 per year less than in Bismarck, and $144 per year cheaper than in Minot.
The next chart shows average auto insurance cost in Grand Forks broken out not only for different driver ages, but also for different policy deductibles. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.
Average rates in the chart range from $1,450 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $4,842 per year for a 20-year-old driver with $250 deductibles. The rate we use for comparing different segments, models or locations is a 40-year-old driver with $500 physical damage deductibles, which has an average cost of $2,070 per year in Grand Forks.
As a monthly amount, the average cost to insure a car in Grand Forks ranges from $121 to $404 for the same deductible limits and driver ages shown in the prior chart.
Driver age influences the price you pay for auto insurance, so the list below illustrates this by showing the difference in average car insurance rates based on the age of the driver.
Average car insurance cost for Grand Forks, North Dakota, drivers age 16 to 60
- 16-year-old rated driver – $7,372 per year or $614 per month
- 17-year-old rated driver – $7,141 per year or $595 per month
- 18-year-old rated driver – $6,400 per year or $533 per month
- 19-year-old rated driver – $5,827 per year or $486 per month
- 20-year-old rated driver – $4,164 per year or $347 per month
- 30-year-old rated driver – $2,206 per year or $184 per month
- 40-year-old rated driver – $2,070 per year or $173 per month
- 50-year-old rated driver – $1,834 per year or $153 per month
- 60-year-old rated driver – $1,716 per year or $143 per month
The previous rates shown for teenage drivers were based on a male driver. The chart below illustrates average car insurance rates for teen drivers by gender. Female drivers tend to have cheaper auto insurance rates, in particular in the teen years.
Car insurance for a 16-year-old female in Grand Forks costs an average of $487 less per year than the cost for a male driver, while at age 19, females don’t save quite as much at $901 per year.
The cost to insure specific vehicles
The car insurance rates mentioned above are averaged for every 2024 model year vehicle, which is suitable for making big picture comparisons such as the cost difference between driver ages or locations.
Average auto insurance rates are excellent when answering questions like “is Grand Forks car insurance cheaper than West Fargo?” or “are North Dakota car insurance rates cheaper than in California?”.
But for more comprehensive cost comparisons, it makes sense to compare rates for the specific model of vehicle being insured. Each individual model has a slightly different risk profile for physical damage and liability claims, and this data enables detailed insurance cost comparisons.
This next chart displays the cost of car insurance in Grand Forks for popular cars, trucks, and SUVs. Later in this article, we take a look at additional factors that affect the cost of insuring some of these vehicles in much more detail.
Popular models in Grand Forks tend to be compact and midsize sedans like the Volkswagen Jetta, Honda Civic, and Kia K5 and compact or midsize SUVs like the Ford Escape, Toyota RAV4, and Subaru Outback.
Other popular models from other segments include luxury models like the Lexus ES 350, Acura MDX, and Lexus RX 350 and sports cars like the Audi TT, Ford Mustang, and Nissan GT-R.
We explore more rates coming up, but before we dive into that data, let’s review in a nutshell the key concepts that we covered up to this point.
- Car insurance gets more affordable as you age – Average auto insurance rates for a 60-year-old driver in Grand Forks are $2,448 per year cheaper than for a 20-year-old driver.
- Teen girls pay cheaper rates than teen males – Female drivers age 16 to 19 pay $901 to $487 less annually than their male counterparts.
- Car insurance with low deductibles costs more – A 40-year-old driver pays an average of $670 more per year for $250 deductibles versus $1,000 deductibles.
- Average cost per month ranges from $143 to $614 – That is the average car insurance price range for drivers from age 16 to 60 in Grand Forks, North Dakota.
- Car insurance rates decrease a lot between ages 20 and 30 – The average 30-year-old Grand Forks driver will pay $1,958 less annually than a 20-year-old driver, $2,206 compared to $4,164.
- Car insurance for teens is expensive – Average cost ranges from $4,926 to $7,372 per year to insure a teenage driver in Grand Forks, North Dakota.
Which cars have cheap insurance in Grand Forks?
The models with the cheapest insurance prices in Grand Forks tend to be compact SUVs and crossovers like the Kia Soul, Subaru Crosstrek, and Buick Envision.
Average car insurance rates for those models cost $1,680 or less per year for full coverage.
Some other vehicles that rank in the top 20 in the cost comparison table are the Subaru Outback, Honda HR-V, Honda CR-V, and Nissan Murano. The average insurance cost is a little bit more for those models than the compact SUVs at the top of the list, but they still have an average cost of $1,800 or less per year ($150 per month).
The next table shows the 30 models with the cheapest car insurance in Grand Forks, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,528 | $127 |
| 2 | Chevrolet Trailblazer | $1,554 | $130 |
| 3 | Kia Soul | $1,614 | $135 |
| 4 | Nissan Kicks | $1,628 | $136 |
| 5 | Honda Passport | $1,646 | $137 |
| 6 | Buick Envision | $1,658 | $138 |
| 7 | Toyota Corolla Cross | $1,668 | $139 |
| 8 | Hyundai Venue | $1,680 | $140 |
| 9 | Mazda CX-5 | $1,688 | $141 |
| 10 | Ford Bronco Sport | $1,694 | $141 |
| 11 | Volkswagen Tiguan | $1,712 | $143 |
| 12 | Acura RDX | $1,730 | $144 |
| 13 | Nissan Murano | $1,738 | $145 |
| 14 | Buick Encore | $1,758 | $147 |
| 15 | Subaru Outback | $1,762 | $147 |
| 16 | Honda CR-V | $1,764 | $147 |
| 17 | Buick Envista | $1,768 | $147 |
| 18 | Volkswagen Taos | $1,772 | $148 |
| 19 | Kia Niro | $1,782 | $149 |
| 20 | Subaru Ascent | $1,798 | $150 |
| 21 | Toyota GR Corolla | $1,798 | $150 |
| 22 | Honda HR-V | $1,800 | $150 |
| 23 | Nissan Leaf | $1,812 | $151 |
| 24 | Chevrolet Colorado | $1,822 | $152 |
| 25 | Honda Civic | $1,830 | $153 |
| 26 | Lexus NX 250 | $1,830 | $153 |
| 27 | Volkswagen Atlas | $1,834 | $153 |
| 28 | Acura Integra | $1,840 | $153 |
| 29 | Subaru Forester | $1,842 | $154 |
| 30 | Volkswagen Atlas Cross Sport | $1,842 | $154 |
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 Grand Forks, ND Zip Codes. Updated June 27, 2025
A table showing 30 of the cheapest vehicles to insure in Grand Forks is fine if you just want a vehicle with dirt cheap insurance rates. A better way to examine auto insurance rates in an analytical manner is by organizing them by the segment they belong to. The six sections below list the top 20 vehicles with the lowest cost insurance rates for each of the main automotive segments.
Cheapest cars to insure in Grand Forks
When comparing 2024 models, the top five lowest-cost non-luxury cars to insure in Grand Forks are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Auto insurance rates for these five models range from $1,798 to $1,902 per year.
Not the cheapest in the list, but still ranking well, are models like the Toyota Prius, Honda Accord, Toyota Corolla, and Chevrolet Malibu, with average insurance cost of $2,016 per year or less.
Car insurance rates in this segment for an average middle-age driver starts at an average of $150 per month, depending on your location.
The cheapest compact car to insure in Grand Forks is the Toyota GR Corolla at $1,798 per year. For midsize 2024 models, the Kia K5 is cheapest to insure at $1,994 per year. And for large cars, the Chrysler 300 has the most affordable rates at $1,972 per year.
The next table ranks the twenty cars with the cheapest car insurance rates in Grand Forks, starting with the Toyota GR Corolla at $1,798 per year ($150 per month) and ending with the Mazda 3 at $2,140 per year ($178 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,798 | $150 |
| Nissan Leaf | Compact | $1,812 | $151 |
| Honda Civic | Compact | $1,830 | $153 |
| Nissan Sentra | Compact | $1,896 | $158 |
| Subaru Impreza | Compact | $1,902 | $159 |
| Toyota Prius | Compact | $1,934 | $161 |
| Kia K5 | Midsize | $1,994 | $166 |
| Honda Accord | Midsize | $1,998 | $167 |
| Chevrolet Malibu | Midsize | $2,006 | $167 |
| Toyota Corolla | Compact | $2,016 | $168 |
| Kia Forte | Compact | $2,020 | $168 |
| Volkswagen Arteon | Midsize | $2,032 | $169 |
| Nissan Versa | Compact | $2,040 | $170 |
| Subaru Legacy | Midsize | $2,042 | $170 |
| Hyundai Ioniq 6 | Midsize | $2,058 | $172 |
| Mitsubishi Mirage G4 | Compact | $2,088 | $174 |
| Volkswagen Jetta | Compact | $2,092 | $174 |
| Toyota Crown | Midsize | $2,094 | $175 |
| Hyundai Sonata | Midsize | $2,096 | $175 |
| Mazda 3 | Compact | $2,140 | $178 |
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 Grand Forks, ND Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.
Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in North Dakota.
Cheapest SUV insurance rates in Grand Forks
Ranking at the top of the list for the cheapest Grand Forks auto insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Honda Passport, Nissan Kicks, Subaru Crosstrek, and Chevrolet Trailblazer. Car insurance prices for these models average $137 or less per month.
Additional models that are affordable to insure include the Ford Bronco Sport, Toyota Corolla Cross, Buick Envision, and Mazda CX-5, with an average cost of $1,694 per year or less.
Full-coverage insurance for this segment in Grand Forks for an average middle-age driver can cost as low as $127 per month, depending on your location.
When the SUV segment is analyzed by vehicle size, the lowest-cost compact SUV to insure in Grand Forks is the Subaru Crosstrek at $1,528 per year, or $127 per month. For midsize SUVs, the Honda Passport is cheapest to insure at $1,646 per year, or $137 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $1,942 per year, or $162 per month.
The comparison table below ranks the twenty SUVs with the lowest-cost car insurance rates in Grand Forks, starting with the Subaru Crosstrek at $1,528 per year ($127 per month) and ending with the Subaru Ascent at $1,798 per year ($150 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,528 | $127 |
| Chevrolet Trailblazer | Compact | $1,554 | $130 |
| Kia Soul | Compact | $1,614 | $135 |
| Nissan Kicks | Compact | $1,628 | $136 |
| Honda Passport | Midsize | $1,646 | $137 |
| Buick Envision | Compact | $1,658 | $138 |
| Toyota Corolla Cross | Compact | $1,668 | $139 |
| Hyundai Venue | Compact | $1,680 | $140 |
| Mazda CX-5 | Compact | $1,688 | $141 |
| Ford Bronco Sport | Compact | $1,694 | $141 |
| Volkswagen Tiguan | Compact | $1,712 | $143 |
| Nissan Murano | Midsize | $1,738 | $145 |
| Buick Encore | Compact | $1,758 | $147 |
| Subaru Outback | Midsize | $1,762 | $147 |
| Honda CR-V | Compact | $1,764 | $147 |
| Buick Envista | Midsize | $1,768 | $147 |
| Volkswagen Taos | Compact | $1,772 | $148 |
| Kia Niro | Compact | $1,782 | $149 |
| Subaru Ascent | Midsize | $1,798 | $150 |
| Honda HR-V | Compact | $1,800 | $150 |
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 Grand Forks, ND Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Don’t see rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in North Dakota.
Cheapest pickup trucks to insure in Grand Forks
The lowest-cost pickups to insure in Grand Forks are the Chevrolet Colorado at $1,822 per year, the Nissan Titan at $1,934 per year, and the Nissan Frontier at $1,958 per year.
Also ranking in the top 10 are pickups like the GMC Canyon, Hyundai Santa Cruz, Toyota Tacoma, and GMC Sierra 2500 HD, with an average cost of $2,128 per year or less.
Full-coverage car insurance for this segment in Grand Forks can cost as low as $152 per month, depending on your location. The next table ranks the twenty pickups with the lowest-cost insurance in Grand Forks, starting with the Chevrolet Colorado at $152 per month and ending with the Ram Truck at $200 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,822 | $152 |
| Nissan Titan | Full-size | $1,934 | $161 |
| Nissan Frontier | Midsize | $1,958 | $163 |
| Ford Ranger | Midsize | $1,978 | $165 |
| Ford Maverick | Midsize | $2,008 | $167 |
| Honda Ridgeline | Midsize | $2,054 | $171 |
| Hyundai Santa Cruz | Midsize | $2,088 | $174 |
| Toyota Tacoma | Midsize | $2,096 | $175 |
| GMC Sierra 2500 HD | Heavy Duty | $2,104 | $175 |
| GMC Canyon | Midsize | $2,128 | $177 |
| Jeep Gladiator | Midsize | $2,180 | $182 |
| GMC Sierra 3500 | Heavy Duty | $2,192 | $183 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,212 | $184 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,270 | $189 |
| Chevrolet Silverado | Full-size | $2,284 | $190 |
| GMC Sierra | Full-size | $2,284 | $190 |
| Nissan Titan XD | Heavy Duty | $2,288 | $191 |
| Ford F150 | Full-size | $2,314 | $193 |
| GMC Hummer EV Pickup | Full-size | $2,374 | $198 |
| Ram Truck | Full-size | $2,394 | $200 |
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 Grand Forks, ND Zip Codes. Updated June 27, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Looking for insurance rates for a different truck? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Grand Forks car insurance quotes from the best auto insurance companies in North Dakota.
Cheapest sports cars to insure in Grand Forks, ND
The three highest ranking sports cars with the lowest-cost auto insurance in Grand Forks are the Mazda MX-5 Miata at $1,914 per year, the Toyota GR86 at $2,180 per year, and the Ford Mustang at $2,272 per year.
Additional models that have good average insurance rates include the Subaru BRZ, Nissan Z, Lexus RC F, and BMW M2, with average rates of $2,474 per year or less.
In the lower half of the top 20 sports cars to insure, cars like the BMW M3, Chevrolet Corvette, Porsche Taycan, Jaguar F-Type, Chevrolet Camaro, and BMW M4 cost between $2,474 and $3,504 to insure per year.
Auto insurance rates in Grand Forks for this segment for an average middle-age driver can cost as low as $160 per month, depending on where you live. The next table ranks the twenty sports cars with the lowest-cost average car insurance rates in Grand Forks.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,914 | $160 |
| Toyota GR86 | Sports Car | $2,180 | $182 |
| Ford Mustang | Sports Car | $2,272 | $189 |
| BMW Z4 | Sports Car | $2,286 | $191 |
| Subaru WRX | Sports Car | $2,322 | $194 |
| Toyota GR Supra | Sports Car | $2,324 | $194 |
| BMW M2 | Sports Car | $2,390 | $199 |
| Nissan Z | Sports Car | $2,398 | $200 |
| Lexus RC F | Sports Car | $2,444 | $204 |
| Subaru BRZ | Sports Car | $2,474 | $206 |
| BMW M3 | Sports Car | $2,614 | $218 |
| Porsche 718 | Sports Car | $2,664 | $222 |
| Chevrolet Camaro | Sports Car | $2,690 | $224 |
| Chevrolet Corvette | Sports Car | $2,866 | $239 |
| Porsche 911 | Sports Car | $2,964 | $247 |
| BMW M4 | Sports Car | $3,088 | $257 |
| Lexus LC 500 | Sports Car | $3,104 | $259 |
| Jaguar F-Type | Sports Car | $3,264 | $272 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,424 | $285 |
| Porsche Taycan | Sports Car | $3,504 | $292 |
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 Grand Forks, ND Zip Codes. Updated June 27, 2025
Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in North Dakota.
Cheapest luxury cars to insure in Grand Forks, ND
The three highest ranking luxury car models with the cheapest average auto insurance rates in Grand Forks are the Acura Integra at $1,840 per year, the BMW 330i at $2,108 per year, and the Mercedes-Benz CLA250 at $2,130 per year.
Other luxury cars that have cheaper rates are the Genesis G70, Lexus ES 350, Cadillac CT4, and Mercedes-Benz AMG CLA35, with an average car insurance cost of $2,174 per year or less.
Full-coverage auto insurance for this segment in Grand Forks for a good driver starts at around $153 per month, depending on your location.
The most budget-friendly compact luxury car to insure in Grand Forks is the Acura Integra at $1,840 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,130 per year. And for full-size models, the Audi A5 is most affordable to insure at $2,458 per year.
The rate comparison table below ranks the luxury cars with the most affordable average car insurance rates in Grand Forks, starting with the Acura Integra at $1,840 per year and ending with the Audi S3 at $2,318 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,840 | $153 |
| BMW 330i | Compact | $2,108 | $176 |
| Mercedes-Benz CLA250 | Midsize | $2,130 | $178 |
| Lexus IS 300 | Midsize | $2,134 | $178 |
| Acura TLX | Compact | $2,140 | $178 |
| Lexus ES 350 | Midsize | $2,160 | $180 |
| Cadillac CT4 | Compact | $2,162 | $180 |
| Genesis G70 | Compact | $2,166 | $181 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,170 | $181 |
| Lexus RC 300 | Midsize | $2,174 | $181 |
| Lexus IS 350 | Compact | $2,184 | $182 |
| Jaguar XF | Midsize | $2,188 | $182 |
| Cadillac CT5 | Midsize | $2,230 | $186 |
| Lexus ES 250 | Midsize | $2,238 | $187 |
| Lexus RC 350 | Compact | $2,244 | $187 |
| BMW 330e | Compact | $2,246 | $187 |
| BMW 228i | Compact | $2,250 | $188 |
| BMW 230i | Compact | $2,268 | $189 |
| Lexus ES 300h | Midsize | $2,272 | $189 |
| Audi S3 | Compact | $2,318 | $193 |
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 Grand Forks, ND Zip Codes. Updated June 27, 2025
See our guide for luxury car insurance to compare rates for all makes and models.
Don’t see insurance cost for your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Grand Forks car insurance quotes from top-rated auto insurance companies in North Dakota.
Cheapest luxury SUV insurance rates in Grand Forks, North Dakota
Ranking #1 in Grand Forks for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, costing $1,730 per year. Second place is the Lexus NX 250 costing $1,830 per year, in third place is the Cadillac XT4, at an average of $1,868 per year, and ranking fourth is the Jaguar E-Pace, at an average of $1,934 per year.
Some other luxury SUVs that rank well are the Lexus NX 350h, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus UX 250h, with average rates of $1,994 per year or less.
Additional models worth mentioning include the Lexus RX 350, Mercedes-Benz AMG GLB35, Infiniti QX60, and Mercedes-Benz GLA250, which average between $1,994 and $2,078 per year for insurance.
From a cost per month standpoint, full-coverage auto insurance in Grand Forks on this segment for a middle-age safe driver will start around $144 per month, depending on your location. The table below ranks the luxury SUVs with the lowest-cost car insurance in Grand Forks.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,730 | $144 |
| Lexus NX 250 | Compact | $1,830 | $153 |
| Cadillac XT4 | Compact | $1,868 | $156 |
| Jaguar E-Pace | Midsize | $1,934 | $161 |
| Cadillac XT5 | Midsize | $1,952 | $163 |
| Lexus NX 350h | Compact | $1,952 | $163 |
| Lincoln Corsair | Compact | $1,976 | $165 |
| Mercedes-Benz GLB 250 | Compact | $1,980 | $165 |
| Lexus UX 250h | Compact | $1,984 | $165 |
| Lexus NX 450h | Compact | $1,994 | $166 |
| Infiniti QX50 | Midsize | $2,010 | $168 |
| Mercedes-Benz GLA250 | Compact | $2,018 | $168 |
| Cadillac XT6 | Midsize | $2,024 | $169 |
| Mercedes-Benz GLA35 AMG | Compact | $2,024 | $169 |
| Infiniti QX60 | Midsize | $2,036 | $170 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,038 | $170 |
| Land Rover Evoque | Compact | $2,066 | $172 |
| Acura MDX | Midsize | $2,068 | $172 |
| Lexus NX 350 | Compact | $2,074 | $173 |
| Lexus RX 350 | Midsize | $2,078 | $173 |
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 Grand Forks, ND Zip Codes. Updated June 27, 2025
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Need rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Grand Forks car insurance quotes from the best companies in North Dakota.
Tips for cheaper Grand Forks auto insurance rates
Grand Forks drivers are always searching for ways to cut the monthly cost of car insurance, so read through the money-saving ideas in the list below and maybe you’ll be able to save a few bucks when buying auto insurance.
- Earn a discount from your occupation. The vast majority of auto insurance companies offer discounts for specific occupations like scientists, firefighters, dentists, high school and elementary teachers, doctors, and others. Getting this discount applied to your policy may save between $62 and $201 on your insurance premium, depending on your policy.
- Shop around for a better deal. Take a couple of minutes to get a few free car insurance quotes could save you a significant amount. Companies change rates often and you can switch your coverage anytime.
- Bad drivers pay more for auto insurance. Having a few at-fault accidents can really raise rates, possibly by an extra $2,952 per year for a 20-year-old driver and even as much as $858 per year for a 40-year-old driver. So be safe and save.
- Tickets and violations cost money. If you want the cheapest auto insurance in Grand Forks, it pays to be a safe driver. In fact, just one or two minor lapses of judgement on your driving record have the potential to increase the cost of a policy by up to $550 per year. Serious misdemeanor violations like failing to stop at the scene of an accident could raise rates by an additional $1,918 or more.
- Remain claim free. Auto insurance companies offer a discount if you have not filed any claims. Car insurance should be used to protect you from large financial hits, not for minor claims.
- Increase deductibles to save money. Increasing your 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.