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Grand Forks Car Insurance Resources

Grand Forks, ND Car Insurance

Cars Insured in Grand Forks

^ There are an estimated 49,057 vehicles currently insured in Grand Forks. [1]

Car Insurance Rates in Grand Forks

^ From 2006 to 2010, North Dakota cities had the 51st highest auto insurance rates in the nation. [2]

Uninsured Motorists in Grand Forks

^ There are an estimated 3,504 uninsured motorists driving in Grand Forks. [3]

ND Car Insurance

Grand Forks Car Insurance

Car Insurance Liability Requirements in Grand Forks

  • Minimum Liability Limits in Grand Forks: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Grand Forks

Required Car Insurance Coverage in Grand Forks
  • Grand Forks Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Grand Forks

  • Insurer Verification of Auto Insurance in Grand Forks [4]
    • Insurer must verify randomly selected insurance policies upon request.

Grand Forks Car Insurance Facts, Estimates & Related Laws

Grand Forks Car Insurance Stats

Grand Forks Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Grand Forks
    • Based on historical and current data, 49,057 cars are currently insured in Grand Forks. [5]
    • North Dakota cities collectively ranked 46th in the nation in auto insurance policies in 2011 with a total of 624,462. [1]
  • Uninsured Motorist Rate in Grand Forks
    • Based on historical and current data, Grand Forks has an estimated 3,504 uninsured drivers. [6]
    • North Dakota cities collectively had the 42nd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Grand Forks
    • North Dakota cities collectively had the 50th highest auto insurance rates in the nation in 2010. [2]

Grand Forks Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Grand Forks Automotive Laws

  • Minimum Driving Age in Grand Forks [9]
    • Grand Forks, ND minimum driving age: 14 years.
  • Driver's License Renewal Cycle in Grand Forks
    • Renewal cycle: 6 years [7]
  • Motorcycle Helmet Laws in Grand Forks
    • Motorcycle helmets required for 17 and younger. [7]
    • North Dakota\'s motorcycle helmet use law covers all passengers traveling with operators who are covered by the law. [7]
  • Safety Belt Laws in Grand Forks
    • Safety belt laws have been in place since 1994 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for 6 years and younger and less than 57 inches or less than 80 pounds. [7]

North Dakota Car & Driver Facts

North Dakota Auto Registrations

North Dakota Car & Driver Facts
  • Auto Registrations in ND [8]
    • Registered Cars: 328,511
    • Registered Trucks: 422,071
    • Registered Motorcycles: 32,668
    • Total Registrations: 785,866
    • Rank: North Dakota ranked 48th in the United States in total auto registrations in 2011.

North Dakota Automotive Facts

  • Speed Limits in ND
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 65 mph [7]
  • North Dakota Motor Fuel Consumption
    • North Dakota cities collectively ranked 43rd in the nation in total motor fuel consumption in 2011. [10]

North Dakota Licensed Drivers

  • Licensed Drivers in ND [11]
    • Female Drivers: 240,757
    • Male Drivers: 249,389
    • Total Drivers: 490,146
    • Rank: 49th highest in the U.S.

Additional information about Grand Forks, ND

About Grand Forks

Grand Forks (North Dakota) is a city with a population of 52,838 [12] that is located in Grand Forks County.

ND Car Insurance

More about Grand Forks auto insurance

For more information about Grand Forks car insurance, or for additional resources regarding North Dakota car insurance overall, visit the North Dakota Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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