Compare Buffalo, ND Car Insurance Rates (2021)

Car insurance in Buffalo, ND averages $331 a month. Buffalo, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Buffalo car insurance rates, compare quotes from the top car insurance companies in Buffalo, ND.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Buffalo for teen drivers is Nationwide
  • Average car insurance rates in Buffalo, ND are $3,975/year
  • The cheapest car insurance company in Buffalo is USAA

If you need to buy Buffalo, North Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Buffalo, ND is right here.

You’ll find Buffalo car insurance rates, the cheapest Buffalo, ND car insurance companies, and information on North Dakota car insurance laws. You can also compare Buffalo, North Dakota car insurance rates to Grand Forks car insurance rates, Bismarck car insurance rates, and Williston car insurance rates.

Ready to find affordable Buffalo, ND car insurance today? Enter your ZIP code for fast, free Buffalo car insurance quotes.

Cheapest Buffalo, ND Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Buffalo, ND car insurance rates? Every Buffalo, North Dakota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Buffalo, North Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,489 $2,489 $2,211 $2,342 $9,661 $11,368 $2,724 $2,930
American Family $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,761 $1,728 $1,573 $1,638 $6,311 $6,465 $1,998 $2,107
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $6,807 $7,353 $5,469 $6,626 $27,123 $30,234 $7,120 $7,800
Nationwide $1,640 $1,676 $1,474 $1,569 $3,702 $4,556 $1,872 $1,983
Progressive $1,858 $1,770 $1,506 $1,561 $6,918 $7,729 $2,282 $2,314
State Farm $1,412 $1,412 $1,248 $1,248 $3,947 $4,991 $1,579 $1,787
USAA $1,139 $1,131 $927 $930 $3,928 $4,747 $1,640 $1,784

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Minimum Car Insurance in Buffalo, ND

Every driver must carry the minimum car insurance in Buffalo, ND. Take a look at the North Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Buffalo, North Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Buffalo, ND Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Buffalo, ND. Compare credit history car insurance rates in Buffalo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Buffalo, North Dakota

Insurance Company Poor Fair Good
Allstate $5,710 $4,341 $3,528
American Family $4,614 $3,200 $2,704
Farmers $3,414 $2,784 $2,645
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,807 $2,194 $1,927
Progressive $3,740 $3,130 $2,857
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

Cheapest Buffalo, ND Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Buffalo, ND to rates for a clean record with top companies.

Annual Buffalo, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,664 $4,045 $6,136 $4,262
American Family $2,562 $3,667 $4,863 $2,932
Farmers $2,485 $3,169 $3,129 $3,007
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $10,928 $12,332 $13,395 $12,612
Nationwide $1,714 $2,351 $3,228 $1,944
Progressive $2,993 $3,685 $3,028 $3,263
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Cheapest Buffalo, ND Car Insurance for Teen Drivers

Teen car insurance in Buffalo, ND can be expensive. Take a look at rates from the top car insurance companies in Buffalo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Buffalo, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,661 $11,368
American Family $5,349 $7,694
Farmers $6,311 $6,465
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,702 $4,556
Progressive $6,918 $7,729
State Farm $3,947 $4,991
USAA $3,928 $4,747

Cheapest Buffalo, ND Car Insurance for Seniors

Take a look at Buffalo, ND senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Buffalo, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,211 $2,342
American Family $2,269 $2,269
Farmers $1,573 $1,638
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,474 $1,569
Progressive $1,506 $1,561
State Farm $1,248 $1,248
USAA $927 $930

Cheapest Buffalo, ND Car Insurance Rates After a DUI

A DUI in Buffalo, ND increases car insurance rates. Compare Buffalo, North Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Buffalo, North Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,136
American Family $4,863
Farmers $3,129
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,228
Progressive $3,028
State Farm $2,203
USAA $2,854

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Cheapest Buffalo, ND Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Buffalo, ND by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Buffalo, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,416 $4,637
American Family $3,463 $3,549
Farmers $2,948 $2,948
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,309 $2,309
Progressive $3,242 $3,242
State Farm $2,144 $2,262
USAA $2,008 $2,049

The Best Cheap Car Insurance Companies in Buffalo, ND

Take a look at a side-by-side comparison of the top car insurance companies in Buffalo, ND to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Buffalo, North Dakota

Insurance Company Average Annual Rates
Allstate $4,527
American Family $3,506
Farmers $2,948
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,309
Progressive $3,242
State Farm $2,203
USAA $2,028

Category Winners: Cheapest Car Insurance in Buffalo, North Dakota

Find the cheapest car insurance companies in Buffalo, ND for each category right here.

Best Annual Car Insurance Rates by Company in Buffalo, North Dakota

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Buffalo, ND Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Buffalo car insurance rates. Find the cheapest Buffalo, ND car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Buffalo, North Dakota

Insurance Company Low Medium High
Allstate $4,395 $4,524 $4,660
American Family $3,614 $3,679 $3,226
Farmers $2,879 $2,935 $3,029
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,247 $2,297 $2,383
Progressive $3,148 $3,232 $3,347
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

What affects car insurance rates in Buffalo, North Dakota?

What factors can have an impact on Buffalo, ND car insurance? There are several reasons why Buffalo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Buffalo, North Dakota.

Commute Time in Buffalo

The more time you spend in your car the higher the risk of an accident. The average commute length in Buffalo, ND is 23.0 minutes according to City-Data.

Traffic in Buffalo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Buffalo, ND traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, ND

Ready to find affordable Buffalo, North Dakota car insurance today? Enter your ZIP code for fast, free Buffalo, ND car insurance quotes.

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