Compare Gardner, ND Car Insurance Rates (2021)

Car insurance in Gardner, ND averages $329 a month. Gardner, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gardner car insurance rates, compare quotes from the top car insurance companies in Gardner, 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

  • Average car insurance rates in Gardner, ND are $3,950/year
  • Average car insurance rates in Gardner, ND after a DUI are $4,748/year
  • The cheapest car insurance company in Gardner for teen drivers is Nationwide

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

You’ll find Gardner car insurance rates, the cheapest Gardner, ND car insurance companies, and information on North Dakota car insurance laws. You can also compare Gardner, North Dakota car insurance rates to Grand Forks car insurance rates, Mandan car insurance rates, and West Fargo car insurance rates.

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

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

How do age, gender, and marital status affect Gardner, ND car insurance rates? Every Gardner, 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 Gardner, 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 $2,517 $2,516 $2,238 $2,370 $9,819 $11,559 $2,752 $2,959
American Family $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,690 $1,654 $1,507 $1,572 $6,169 $6,317 $1,916 $2,015
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 $1,729 $1,632 $1,397 $1,457 $6,582 $7,319 $2,103 $2,125
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 Gardner, ND

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

Minimum Required Car Insurance Coverage in Gardner, 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 Gardner, ND Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $5,791 $4,404 $3,580
American Family $4,614 $3,200 $2,704
Farmers $3,302 $2,699 $2,563
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,807 $2,194 $1,927
Progressive $3,505 $2,940 $2,684
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

Cheapest Gardner, 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 Gardner, ND to rates for a clean record with top companies.

Annual Gardner, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,714 $4,102 $6,226 $4,323
American Family $2,562 $3,667 $4,863 $2,932
Farmers $2,405 $3,073 $3,034 $2,908
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 $2,804 $3,471 $2,841 $3,055
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Cheapest Gardner, ND Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,819 $11,559
American Family $5,349 $7,694
Farmers $6,169 $6,317
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,702 $4,556
Progressive $6,582 $7,319
State Farm $3,947 $4,991
USAA $3,928 $4,747

Cheapest Gardner, ND Car Insurance for Seniors

Take a look at Gardner, 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 Gardner, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,238 $2,370
American Family $2,269 $2,269
Farmers $1,507 $1,572
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,474 $1,569
Progressive $1,397 $1,457
State Farm $1,248 $1,248
USAA $927 $930

Cheapest Gardner, ND Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,226
American Family $4,863
Farmers $3,034
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,228
Progressive $2,841
State Farm $2,203
USAA $2,854

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Cheapest Gardner, ND Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,479 $4,704
American Family $3,463 $3,549
Farmers $2,855 $2,855
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,309 $2,309
Progressive $3,043 $3,043
State Farm $2,144 $2,262
USAA $2,008 $2,049

The Best Cheap Car Insurance Companies in Gardner, ND

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

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

Insurance Company Average Annual Rates
Allstate $4,591
American Family $3,506
Farmers $2,855
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,309
Progressive $3,043
State Farm $2,203
USAA $2,028

Category Winners: Cheapest Car Insurance in Gardner, North Dakota

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

Best Annual Car Insurance Rates by Company in Gardner, 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 Gardner, ND Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,460 $4,589 $4,725
American Family $3,614 $3,679 $3,226
Farmers $2,782 $2,841 $2,942
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,247 $2,297 $2,383
Progressive $2,946 $3,032 $3,151
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

What affects car insurance rates in Gardner, North Dakota?

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

Commute Time in Gardner

The more time you spend in your car the higher the risk of an accident. The average commute length in Gardner, ND is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in Gardner, ND

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

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