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.
- Minot, ND Auto Insurance Rates
- Minot, ND Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Minot, ND
- Multi Vehicle Insurance Savings in Minot, ND
- How Credit Score Affects Car Insurance Rates in Minot, ND
- How DUI Affects Auto Insurance Premiums in Minot, ND
- Top Auto Insurance Agents Near Minot, ND
- How Driving Violations Affect Auto Insurance Rates in Minot, ND
- Minot, ND Auto Insurance Discounts on Anti Theft Feature
- Minot, ND Auto Insurance Company Reviews
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.
|Average Insurance Rates||$1,178||$1,383||$1,346||$1,424||$1,481||$1,399|
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, 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|
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|
Savings on 2 Vehicles bundle:$306
Savings on 3 Vehicles bundle:$459
Savings on 4 Vehicles bundle:$613
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, 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|
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|
|[||H||u, m, h||r|
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|
|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|
|Active Disabling Device||$1,131|
|Passive Disabling Device||$1,096|
Latest Auto Insurance Reviews in Minot, ND | Back to Top
My deductible is reasonable. I am satisfied with it and can afford both it and the monthly premium.
We have multiple cars and they give us a discount on all 3 cars for that.
I would recommend state farm. Never had any issues with them. They take care of their customers. As far i know.
Great personable customer service. Small office w/3 people and the main agent. It's family run, agent's daughter is my main point of contact and she always knows who I am! Very nice friendly people.
My premium is definitely higher than some people I know. But I do have the highest coverage possible with the lowest deductible, and Allstate has always paid claims without a fuss. Also, the area I live in has higher premiums in general because of the accident rate in the area. I could probably do better with Geico, but I know people have problems with Geico when they have claimed.