Minot, ND Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Minot, ND, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Buy Cheapest Auto Insurance in Minot, ND

The average cost of car insurance in Minot, ND, is $1,178.  If you are a resident of Minot, ND looking for the best auto insurance rates in town, you’ve come to the right place. With a wide selection of competitively priced auto insurance companies in the area, you can save money on your car insurance without sacrificing coverage or service.   You should compare shops to get the best rate on your auto insurance in Minot, ND. Start by getting quotes from multiple auto insurance providers and ensure you get the best deal for the coverage you need. When comparing quotes, ask about discounts you may qualify for. Many insurance companies offer discounts for good driving records, multiple cars, and loyalty discounts. Before settling on a policy, make sure to read the policy terms and conditions carefully. Be sure to understand the type and amount of coverage you are getting and any limits or exclusions that may apply. Here are a few factors that help determine the cost of car insurance in Minot, ND.

By obeying driving regulations

Obeying driving regulations helps to reduce auto insurance costs in Minot, ND, in two ways. Firstly, traffic violations such as speeding or running a red light can lead to higher auto insurance premiums. If you avoid these types of violations, you can lower your auto insurance costs. Secondly, obeying driving regulations also helps to reduce the risk of an accident. This means that your auto insurance company will deem you less of a risk to insure and may offer you a lower premium. For instance, in Minot, ND, the total cost of car insurance will increase by +$274 and +$794, respectively, if a driver runs a red light or drives with a suspended license. 

Auto Insurance Rates Based on the Age of the Driver

Younger drivers are generally considered more of a risk on the road, resulting in higher insurance premiums. This is because they are more likely than older drivers to engage in risky behaviours such as speeding, driving while distracted, and driving under the influence of drugs or alcohol. In addition, younger drivers tend to be more prone to accidents due to their lack of experience. On the other hand, drivers aged 25 and over are generally considered less of a risk on the road and, as such, tend to have lower insurance premiums. This is because these drivers have more experience on the road and are less likely to be involved in an accident. In addition, older drivers tend to be more responsible on the road and, therefore, less likely to engage in risky behaviours. In Minot, ND, for instance, Teenagers pay $3,882, while drivers over the age of 40 pay $1,122.

To understand the vehicle insurance costs according to the driver's age in Minot, North Dakota, see the graph below.

By availing of multi-car discounts

Many car owners are interested in finding ways to reduce their costs when it comes to auto insurance in Minot, ND. One of the most effective strategies is to take advantage of multi-car discounts. These discounts are available from many auto insurance companies and can provide car owners with significant savings. A multi-car discount is a type of discount that applies when more than one car is insured through the same insurance company. The discount can vary depending on the company and the number of insured cars, but it can be significant. For instance, in Minot, North Dakota, car owners pay $2,050 for two vehicles and $3,075 for three. They can save $306 to $459 on their auto insurance in Minot, North Dakota. The way it works is simple. When one car is insured through an insurance company, a multi-car discount can be applied to the other cars that are insured through the same company. This can quickly add substantial savings to the overall cost of auto insurance. 

Factors that can influence the cost of car insurance in Minot, ND are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Minot, ND Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Minot, ND with that of other cities in and around Minot.

	Minot	Eureka	Surrey	Harrison	Afton	Sundre
Average Insurance Rates	$1,178	$1,383	$1,346	$1,424	$1,481	$1,399

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Minot, ND Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Minot, ND based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Minot	$1,515	$1,280
Harrison	$1,362	$1,150
Nedrose	$1,398	$1,181
Afton	$1,364	$1,152
Eureka	$1,383	$1,168
Burlington	$955	$806
Sundre	$1,571	$1,327
Surrey	$2,963	$2,503

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Minot, ND Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Minot, ND usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,822
20 Years	$1,514
30 Years	$1,166
40 Years	$1,122
50 Years	$1,039
60 Years	$1,053
70 Years	$1,226

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Minot, ND Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Minot, ND can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,050	$306
3 Vehicles	$3,075	$459
4 Vehicles	$4,099	$613

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Minot, ND Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Minot, ND.

Location	Average Insurance Cost	Post DUI Insurance Rate
Minot	$1,178	$2,089
Harrison	$1,424	$2,525
Nedrose	$1,389	$2,463
Afton	$1,481	$2,626
Eureka	$1,383	$2,452
Burlington	$1,335	$2,367
Sundre	$1,399	$2,481
Surrey	$1,346	$2,387

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Minot, ND Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,011
Excellent (740-799)	$1,154
Good (670-739)	$1,227
Average (580-669)	$1,601
Poor (300-579)	$1,921

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Minot, ND Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
American Insurance	None	2201 15Th St Sw, Minot, 58701	None
Kellie Thorman	State Farm	500 20th Ave SW Ste B, Minot, 58701-6492	701-839-4999
Kim Albert Agency	Allstate	1401 11th Ave SW Ste 2, Minot, 58701	(701) 852-1460
Lee Amon	Farmers	1408 20TH AVE SW STE 4, Minot, 58701	(701) 852-3156
James Bierschbach	Farmers	811 S Broadway, Minot, 58701	(701) 838-8144
Donovan Ins Agency	Allstate	1600 2nd Ave Sw Ste 15, Minot, 58701	(701) 838-0614
Western Agency Inc	None	408 20Th Ave Sw, Ste 101, Minot, 58701	None
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Minot, ND Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$52	$1,230
Driver's Failure In Showing Documents	+$114	$1,292
Driving With An Expired Registration	+$121	$1,299
Driving At A Considerably Slow Pace	+$256	$1,434
Using A Cellphone While Driving	+$270	$1,448
Running A Red Light	+$274	$1,452
Speeding	+$289	$1,467
Driving A Vehicle Without The Required Permission	+$366	$1,544
Driving With An Expired/Suspended License	+$794	$1,972

Minot, ND Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,131
Active Disabling Device	$1,131
Tracking Device	$1,107
Passive Disabling Device	$1,096

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Latest Auto Insurance Reviews in Minot, ND | Back to Top