Car Insurance in Grand Forks, ND

For all your driving needs, reliable car insurance in Grand Forks will protect your vehicle and its occupants.

Compare, shop and customize quotes from top-rated insurance carriers.

Drive safely in Grand Forks

With an abundance of growth opportunities for all sectors of the population, from students to the elderly, Grand Forks offers something for everyone. The city is conveniently located on the banks of the Red River, which provides an abundance of outdoor adventures. You can find shopping, sporting events, and plenty of artistic opportunities within a short drive around town. With a population of nearly 59,000 packing onto area roads, the need for reliable car insurance in Grand Forks is critical.

Public transportation is available in Grand Forks, with thirteen bus routes running every Monday through Saturday. However, with an average car ownership of two per household, 84% of residents rely on their personal cars to make their commute to work.

When area residents are not working, they are likely outside enjoying the pleasant Grand Forks weather. The climate is generally agreeable with long, warm summers and average temperatures that rarely exceed 82 or dip below 0. However, winters can be brutal, with average high temperatures below 29 between November and March.

Why You Need Car Insurance in Grand Forks

Car insurance is important for any car owner, but conditions in Grand Forks make it particularly smart to protect your vehicle and its occupants.

Accident Rates

Every 37 minutes, there is an accident in North Dakota involving a motor vehicle. Every two hours, there is an injury in a car crash, and every four days, there is a vehicular-related fatality. This reiterates the importance of comprehensive car insurance for protection on the roads. When searching for the best policy for your needs, check out the quote comparisons from VIU by HUB.

Severe Winter Weather

Severe cold and snow in the winter can create problems for drivers. The snowy season in Grand Forks lasts almost half the year, with an average snowfall of 2.8 inches occurring in December, the snowiest month. This creates hazardous driving conditions and deteriorates the roadways, leading to more accidents and higher insurance rates.

Crime Rates

Residents of Grand Forks have a one in 39 chance of falling victim to property crime. The rate of motor vehicle thefts occurring per 1000 residents is 2.21.

State Requirements

Vehicles owned and operated by residents of North Dakota are legally required to be protected by the following amounts of car insurance:

Basic no-fault coverage: $30,000 per person. This covers financial loss due to an injury in an accident, regardless of fault (also known as Personal Injury Protection, or PIP).
Bodily injury: $25,000 per person and $50,000 per accident. This covers claims against the policyholder for injuries caused to another in a car accident.
Property damage liability: $25,000 per accident. This protects against claims by another person whose property was damaged by the policyholder's vehicle.
Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident. This protects the policyholder in case of injuries sustained in an accident caused by a driver without insurance or whose insurance limits are insufficient.

Finding the Best Car Insurance in Grand Forks

If you are like most residents of Grand Forks and rely on your car for business or pleasure, you need car insurance coverage that is reliable, comprehensive, and affordable. As you search for the best car insurance in Grand Forks, rely on VIU by HUB to provide quote comparisons to help you find a rate that fits your budget. This tool allows you to see quotes from multiple insurers side-by-side so you can make an informed choice.

This information is intended for general informational purposes only and is not intended to constitute legal advice.