Car insurance rates in Grand Forks October 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- North Star provides the cheapest liability coverage at $20 per month in Grand Forks.
- North Star offers the cheapest rates for full coverage insurance in Grand Forks at $59 per month.
Read on to learn more about car insurance price trends in Grand Forks. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Grand Forks
For drivers looking to meet Grand Forks minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in Grand Forks
#1. North Star: $20
#1. North Star Mutual: $20
#1. USAA: $20
#4. Nationwide: $23
#4. Nodak Mutual: $23
Cheap full coverage in Grand Forks
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Grand Forks
#1. Nationwide: $59
#1. Nodak Mutual: $59
#3. USAA: $83
#4. American Family: $93
#5. North Star: $101
Impact of traffic violations on Grand Forks auto insurance rates
In Grand Forks, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Grand Forks may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Grand Forks after common driving violations.
- No violation: $151
- Not-at-fault accident: $154
- Failure to wear a seat belt: $170
- Speeding 6 - 10 MPH over limit: $177
- Speeding 21 - 25 MPH over limit: $181
- DUI: $273
- Reckless driving: $262
- Driving with a suspended license: $246
- Leaving scene of an accident/hit and run: $280
