Compare Pembina, ND Car Insurance Rates (2021)

Car insurance in Pembina, ND averages $353 a month. Pembina, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Pembina car insurance rates, compare quotes from the top car insurance companies in Pembina, 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 ZIP code in Pembina is 58236
  • Average car insurance rates in Pembina, ND after a DUI are $5,070/year
  • The cheapest car insurance company in Pembina for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Pembina, ND car insurance rates? Every Pembina, 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 Pembina, 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 $2,421 $2,428 $2,147 $2,276 $9,354 $11,014 $2,660 $2,871
American Family $2,898 $2,898 $2,612 $2,612 $6,100 $8,820 $2,898 $3,396
Farmers $1,766 $1,736 $1,579 $1,642 $6,310 $6,473 $2,007 $2,123
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $7,402 $8,006 $5,941 $7,201 $29,140 $32,517 $7,765 $8,523
Nationwide $1,802 $1,848 $1,615 $1,725 $4,020 $4,973 $2,051 $2,180
Progressive $1,991 $1,903 $1,614 $1,670 $7,229 $8,089 $2,447 $2,476
State Farm $1,793 $1,793 $1,575 $1,575 $4,879 $6,182 $2,000 $2,257
USAA $1,139 $1,131 $927 $930 $3,928 $4,747 $1,640 $1,784

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Minimum Car Insurance in Pembina, ND

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,539 $4,218 $3,432
American Family $5,292 $3,681 $3,115
Farmers $3,421 $2,791 $2,652
GEICO $3,222 $2,595 $2,265
Liberty Mutual $19,355 $11,544 $9,036
Nationwide $3,078 $2,396 $2,106
Progressive $3,963 $3,306 $3,013
State Farm $3,857 $2,452 $1,962
USAA $2,801 $1,773 $1,511

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

Annual Pembina, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,561 $3,923 $5,961 $4,140
American Family $2,948 $4,196 $5,597 $3,375
Farmers $2,491 $3,175 $3,135 $3,016
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $11,815 $13,320 $14,484 $13,627
Nationwide $1,863 $2,572 $3,552 $2,120
Progressive $3,168 $3,884 $3,203 $3,455
State Farm $2,559 $2,955 $2,757 $2,757
USAA $1,441 $2,040 $2,854 $1,779

Cheapest Pembina, ND Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,354 $11,014
American Family $6,100 $8,820
Farmers $6,310 $6,473
GEICO $4,150 $5,218
Liberty Mutual $29,140 $32,517
Nationwide $4,020 $4,973
Progressive $7,229 $8,089
State Farm $4,879 $6,182
USAA $3,928 $4,747

Cheapest Pembina, ND Car Insurance for Seniors

Take a look at Pembina, 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 Pembina, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,147 $2,276
American Family $2,612 $2,612
Farmers $1,579 $1,642
GEICO $1,863 $1,884
Liberty Mutual $5,941 $7,201
Nationwide $1,615 $1,725
Progressive $1,614 $1,670
State Farm $1,575 $1,575
USAA $927 $930

Cheapest Pembina, ND Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,961
American Family $5,597
Farmers $3,135
GEICO $4,084
Liberty Mutual $14,484
Nationwide $3,552
Progressive $3,203
State Farm $2,757
USAA $2,854

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Cheapest Pembina, ND Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,289 $4,504
American Family $3,979 $4,079
Farmers $2,954 $2,954
GEICO $2,663 $2,724
Liberty Mutual $13,312 $13,312
Nationwide $2,527 $2,527
Progressive $3,427 $3,427
State Farm $2,683 $2,831
USAA $2,008 $2,049

Cheapest Pembina, ND Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
58236 $4,436
58271 $4,451

The Best Cheap Car Insurance Companies in Pembina, ND

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

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

Insurance Company Average Annual Rates
Allstate $4,396
American Family $4,029
Farmers $2,954
GEICO $2,694
Liberty Mutual $13,312
Nationwide $2,527
Progressive $3,427
State Farm $2,757
USAA $2,028

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Category Winners: Cheapest Car Insurance in Pembina, North Dakota

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

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

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

Cheapest Pembina, ND Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,299 $4,395 $4,495
American Family $4,159 $4,230 $3,699
Farmers $2,888 $2,942 $3,034
GEICO $2,647 $2,689 $2,745
Liberty Mutual $13,032 $13,258 $13,645
Nationwide $2,465 $2,514 $2,602
Progressive $3,327 $3,416 $3,539
State Farm $2,691 $2,764 $2,816
USAA $1,977 $2,030 $2,079

What affects car insurance rates in Pembina, North Dakota?

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

Commute Time in Pembina

The more time you spend in your car the higher the risk of an accident. The average commute length in Pembina, ND is 15.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Pembina, ND

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

Free Car Insurance Comparison

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

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