Compare Minot, ND Car Insurance Rates (2021)

Car insurance in Minot, ND averages $339 a month. Minot, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Minot car insurance rates, compare quotes from the top car insurance companies in Minot, ND.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Minot, ND after a DUI are $4,854/year
  • Average car insurance rates in Minot, ND are $4,065/year
  • The cheapest car insurance company in Minot is USAA

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

You’ll find Minot car insurance rates, the cheapest Minot, ND car insurance companies, and information on North Dakota car insurance laws. You can also compare Minot, North Dakota car insurance rates to West Fargo car insurance rates, Watford City car insurance rates, and Wahpeton car insurance rates.

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

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

How do age, gender, and marital status affect Minot, ND car insurance rates? Every Minot, 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 Minot, 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 $2,518 $2,531 $2,231 $2,368 $9,840 $11,641 $2,779 $3,011
American Family $2,600 $2,600 $2,357 $2,357 $5,660 $8,199 $2,600 $3,042
Farmers $1,857 $1,818 $1,654 $1,728 $6,995 $7,174 $2,120 $2,233
GEICO $2,020 $2,002 $1,733 $1,753 $4,030 $5,048 $1,825 $1,997
Liberty Mutual $6,215 $6,701 $4,999 $6,060 $25,609 $28,548 $6,470 $7,065
Nationwide $1,897 $1,938 $1,705 $1,811 $4,541 $5,599 $2,194 $2,329
Progressive $2,184 $2,059 $1,778 $1,848 $8,682 $9,682 $2,691 $2,737
State Farm $1,659 $1,659 $1,483 $1,483 $4,899 $6,168 $1,864 $2,127
USAA $957 $947 $788 $782 $3,355 $4,029 $1,368 $1,473

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Minimum Car Insurance in Minot, ND

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,820 $4,427 $3,597
American Family $4,823 $3,363 $2,845
Farmers $3,684 $3,031 $2,878
GEICO $3,050 $2,458 $2,145
Liberty Mutual $16,601 $9,976 $7,799
Nationwide $3,339 $2,623 $2,294
Progressive $4,530 $3,829 $3,514
State Farm $3,733 $2,372 $1,898
USAA $2,355 $1,500 $1,282

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

Annual Minot, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,726 $4,103 $6,285 $4,345
American Family $2,688 $3,839 $5,105 $3,075
Farmers $2,686 $3,446 $3,403 $3,255
GEICO $1,487 $2,472 $3,852 $2,393
Liberty Mutual $10,156 $11,493 $12,447 $11,738
Nationwide $2,050 $2,802 $3,834 $2,320
Progressive $3,638 $4,539 $3,688 $3,966
State Farm $2,444 $2,891 $2,668 $2,668
USAA $1,217 $1,728 $2,403 $1,501

Cheapest Minot, ND Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,840 $11,641
American Family $5,660 $8,199
Farmers $6,995 $7,174
GEICO $4,030 $5,048
Liberty Mutual $25,609 $28,548
Nationwide $4,541 $5,599
Progressive $8,682 $9,682
State Farm $4,899 $6,168
USAA $3,355 $4,029

Cheapest Minot, ND Car Insurance for Seniors

Take a look at Minot, 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 Minot, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,231 $2,368
American Family $2,357 $2,357
Farmers $1,654 $1,728
GEICO $1,733 $1,753
Liberty Mutual $4,999 $6,060
Nationwide $1,705 $1,811
Progressive $1,778 $1,848
State Farm $1,483 $1,483
USAA $788 $782

Cheapest Minot, ND Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,285
American Family $5,105
Farmers $3,403
GEICO $3,852
Liberty Mutual $12,447
Nationwide $3,834
Progressive $3,688
State Farm $2,668
USAA $2,403

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Cheapest Minot, ND Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,502 $4,728
American Family $3,632 $3,722
Farmers $3,198 $3,198
GEICO $2,521 $2,581
Liberty Mutual $11,459 $11,459
Nationwide $2,752 $2,752
Progressive $3,958 $3,958
State Farm $2,598 $2,738
USAA $1,695 $1,729

Cheapest Minot, ND Car Insurance Rates by ZIP Code

Minot car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Minot, ND.

Annual Car Insurance Rates by ZIP Code in Minot, North Dakota

ZIP Code Average Annual Rates
58701 $4,310
58703 $4,298

The Best Cheap Car Insurance Companies in Minot, ND

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

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

Insurance Company Average Annual Rates
Allstate $4,615
American Family $3,677
Farmers $3,198
GEICO $2,551
Liberty Mutual $11,459
Nationwide $2,752
Progressive $3,958
State Farm $2,668
USAA $1,712

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Category Winners: Cheapest Car Insurance in Minot, North Dakota

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

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

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

Cheapest Minot, ND Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,529 $4,613 $4,702
American Family $3,774 $3,857 $3,400
Farmers $3,113 $3,182 $3,298
GEICO $2,502 $2,546 $2,605
Liberty Mutual $11,181 $11,406 $11,788
Nationwide $2,682 $2,738 $2,835
Progressive $3,834 $3,949 $4,090
State Farm $2,590 $2,677 $2,737
USAA $1,664 $1,714 $1,760

What affects car insurance rates in Minot, North Dakota?

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

Commute Time in Minot

The more time you spend in your car the higher the risk of an accident. The average commute length in Minot, ND is 18.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Minot, ND

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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