Compare Harwood, ND Car Insurance Rates (2021)

Car insurance in Harwood, ND averages $325 a month. Harwood, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Harwood car insurance rates, compare quotes from the top car insurance companies in Harwood, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Harwood, ND are $3,906/year
  • The cheapest car insurance company in Harwood is USAA
  • Average car insurance rates in Harwood, ND after a DUI are $4,691/year

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

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

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

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

How do age, gender, and marital status affect Harwood, ND car insurance rates? Every Harwood, 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 Harwood, 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 $2,623 $2,623 $2,330 $2,468 $10,291 $12,143 $2,874 $3,098
American Family $2,094 $2,094 $1,902 $1,902 $4,538 $6,550 $2,094 $2,440
Farmers $1,668 $1,628 $1,486 $1,552 $6,204 $6,344 $1,905 $2,008
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 $1,623 $1,517 $1,321 $1,376 $6,591 $7,313 $1,982 $2,008
State Farm $1,364 $1,364 $1,231 $1,231 $4,152 $5,226 $1,538 $1,751
USAA $1,139 $1,131 $927 $930 $3,928 $4,747 $1,640 $1,784

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Minimum Car Insurance in Harwood, ND

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,072 $4,609 $3,738
American Family $3,880 $2,696 $2,278
Farmers $3,293 $2,697 $2,559
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,807 $2,194 $1,927
Progressive $3,389 $2,873 $2,638
State Farm $3,122 $1,985 $1,589
USAA $2,801 $1,773 $1,511

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

Annual Harwood, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,879 $4,284 $6,540 $4,523
American Family $2,152 $3,106 $4,086 $2,462
Farmers $2,392 $3,068 $3,032 $2,907
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 $2,725 $3,410 $2,766 $2,965
State Farm $2,035 $2,430 $2,232 $2,232
USAA $1,441 $2,040 $2,854 $1,779

Cheapest Harwood, ND Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,291 $12,143
American Family $4,538 $6,550
Farmers $6,204 $6,344
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,702 $4,556
Progressive $6,591 $7,313
State Farm $4,152 $5,226
USAA $3,928 $4,747

Cheapest Harwood, ND Car Insurance for Seniors

Take a look at Harwood, 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 Harwood, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,468
American Family $1,902 $1,902
Farmers $1,486 $1,552
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,474 $1,569
Progressive $1,321 $1,376
State Farm $1,231 $1,231
USAA $927 $930

Cheapest Harwood, ND Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,540
American Family $4,086
Farmers $3,032
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,228
Progressive $2,766
State Farm $2,232
USAA $2,854

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Cheapest Harwood, ND Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,689 $4,924
American Family $2,915 $2,988
Farmers $2,850 $2,850
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,309 $2,309
Progressive $2,966 $2,966
State Farm $2,173 $2,291
USAA $2,008 $2,049

The Best Cheap Car Insurance Companies in Harwood, ND

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

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

Insurance Company Average Annual Rates
Allstate $4,806
American Family $2,951
Farmers $2,850
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,309
Progressive $2,966
State Farm $2,232
USAA $2,028

Category Winners: Cheapest Car Insurance in Harwood, North Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,675 $4,804 $4,940
American Family $3,018 $3,094 $2,743
Farmers $2,782 $2,837 $2,929
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,247 $2,297 $2,383
Progressive $2,865 $2,960 $3,074
State Farm $2,156 $2,241 $2,300
USAA $1,977 $2,030 $2,079

What affects car insurance rates in Harwood, North Dakota?

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

Commute Time in Harwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Harwood, ND is 17.9 minutes according to City-Data.

Compare Car Insurance Quotes in Harwood, ND

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

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