Compare Wahpeton, ND Car Insurance Rates (2021)

Car insurance in Wahpeton, ND averages $334 a month. Wahpeton, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Wahpeton car insurance rates, compare quotes from the top car insurance companies in Wahpeton, 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

  • The cheapest car insurance company in Wahpeton for teen drivers is Nationwide
  • The cheapest car insurance company in Wahpeton is USAA
  • Average car insurance rates in Wahpeton, ND after a DUI are $4,822/year

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

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

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

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

How do age, gender, and marital status affect Wahpeton, ND car insurance rates? Every Wahpeton, 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 Wahpeton, 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 $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,691 $1,657 $1,508 $1,573 $6,197 $6,351 $1,923 $2,027
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 $1,737 $1,783 $1,557 $1,664 $3,825 $4,737 $1,972 $2,096
Progressive $1,828 $1,732 $1,481 $1,539 $6,956 $7,757 $2,238 $2,269
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 Wahpeton, ND

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,072 $4,609 $3,738
American Family $4,614 $3,200 $2,704
Farmers $3,314 $2,710 $2,574
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,952 $2,294 $2,018
Progressive $3,711 $3,116 $2,848
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

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

Annual Wahpeton, 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 $2,562 $3,667 $4,863 $2,932
Farmers $2,413 $3,084 $3,046 $2,921
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $10,928 $12,332 $13,395 $12,612
Nationwide $1,784 $2,465 $3,406 $2,030
Progressive $2,973 $3,677 $3,010 $3,240
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Cheapest Wahpeton, ND Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,291 $12,143
American Family $5,349 $7,694
Farmers $6,197 $6,351
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,825 $4,737
Progressive $6,956 $7,757
State Farm $3,947 $4,991
USAA $3,928 $4,747

Cheapest Wahpeton, ND Car Insurance for Seniors

Take a look at Wahpeton, 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 Wahpeton, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,468
American Family $2,269 $2,269
Farmers $1,508 $1,573
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,557 $1,664
Progressive $1,481 $1,539
State Farm $1,248 $1,248
USAA $927 $930

Cheapest Wahpeton, ND Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,540
American Family $4,863
Farmers $3,046
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,406
Progressive $3,010
State Farm $2,203
USAA $2,854

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Cheapest Wahpeton, ND Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wahpeton, 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 $3,463 $3,549
Farmers $2,866 $2,866
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,421 $2,421
Progressive $3,225 $3,225
State Farm $2,144 $2,262
USAA $2,008 $2,049

The Best Cheap Car Insurance Companies in Wahpeton, ND

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

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

Insurance Company Average Annual Rates
Allstate $4,806
American Family $3,506
Farmers $2,866
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,421
Progressive $3,225
State Farm $2,203
USAA $2,028

Category Winners: Cheapest Car Insurance in Wahpeton, North Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,675 $4,804 $4,940
American Family $3,614 $3,679 $3,226
Farmers $2,794 $2,852 $2,951
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,364 $2,409 $2,491
Progressive $3,124 $3,215 $3,336
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

What affects car insurance rates in Wahpeton, North Dakota?

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

Commute Time in Wahpeton

The more time you spend in your car the higher the risk of an accident. The average commute length in Wahpeton, ND is 12.7 minutes according to City-Data.

Compare Car Insurance Quotes in Wahpeton, ND

Ready to find affordable Wahpeton, North Dakota car insurance today? Enter your ZIP code for fast, free Wahpeton, 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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