Car Insurance in Bismarck, ND
Knowing what type of car insurance in Bismarck is a good fit for your needs can save you money.
The city of Bismarck is more than the capital of North Dakota. It's a popular area to live for families, an excellent place to work and a great destination for visitors. There are many ways to spend free time, including the McDowell Dam Nature Park, the North Dakota Heritage Center and State Museum, and countless dining, entertainment and shopping destinations.
Bismarck is filled with activities for individuals, couples and families. Kids love to visit the Dakota Zoo or go camping at Harmon Lake Recreation Area. Nature lovers can enjoy acres of flora, fauna and history at Fort Abraham Lincoln State Park and Cross Ranch State Park.
Even closer to home, the Bismarck Riverfront Trail offers almost three miles for walking, jogging and biking, with amazing views of the Missouri River at sunset. It doesn't take long to reach these destinations by car.
When you take into account the metro area where families live, work and play, the number of Bismarck inhabitants skyrockets to 140,000. As the population continues increasing, so does the number of vehicles and car accidents.
Over 40% of local families own two cars, 25% have three vehicles, and 15% have four or more. All drivers need to have trustworthy car insurance in Bismarck. One of the reasons VIU by HUB is so popular is that it helps families customize car insurance for each driver in the household.
Interstate 94 runs through downtown Bismarck, and so does U.S. Highway 84. These roads have an average daily traffic volume of 15,000 to 30,000 vehicles. City streets average over 10,000 vehicles a day in some neighborhoods. The more traffic there is, the greater the chance of car accidents at intersections.
A five-day workweek means spending 260 days a year at the office. If you're like about 85% of Bismarck workers, you commute by car. That means you have to climb behind the wheel over 500 times a year.
It's true that Bismarck has public transportation, but fewer than 0.5% of workers use it. The more you're on the road, the more you need high-quality car insurance coverage for collisions and injuries.
It's common to think that car accidents only happen to other people, but if you live or work in Bismarck, you're at risk, too. In 2019, there were over 2,500 crashes and more than 600 injuries in the area. Bismarck has the highest ratio of crashes to travel time of the state, even more than Fargo.
When looking at auto insurance, don't forget about comprehensive coverage. This type of insurance helps to cover auto theft, theft of vehicle parts and electronics, vandalism and similar damages. Every year, hundreds of vehicles in Bismarck are stolen or broken into.
The average cost of car insurance in Bismarck is about $1,300 a year, on par with the North Dakota state average. Shopping around is a great way to save money on your insurance. VIU by HUB makes it easy to compare coverage options and prices. That way, you can get the protection your family needs and still stay within your budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
