Minot Car Insurance

How much does car insurance cost in Minot, ND? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Minot?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Dakota has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Minot typically pay around $88.68 per month compared to the national average of $143.11 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $143.11
North Dakota $89.22
Minot, North Dakota $88.68

Minot, ND Best Car Insurance Companies

car insurance in Minot

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Minot coming in around $60.79 per month. Other companies to consider if you live in Minot is State Farm with an average cost of $94.45 per month and Allied which typically runs around $105.20 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Minot.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $60.79-31.86%
2 State Farm $94.455.86%
3 Allied $105.2017.91%
4 Auto-Owners Insurance Co $106.1318.96%
5 North Star $107.0319.96%
6 Farmers $120.7935.39%
7 Grinnell Mutual $129.8345.52%
8 American Family $139.6556.53%
9 National Farmers Union P&C $154.0672.68%
10 State Auto $155.2273.98%

How Much is Car Insurance in Minot, ND?

how much is auto insurance in Minot

Rates can vary from city to city. The residents of Bismarck typically pay $90.94 per month while people who live in Carson will pay $75.57 per month on average. See what people pay for car insurance in other cities in North Dakota.

North Dakota CitiesMonthly Average Rate
Bismarck $90.94
Fargo $85.72
Golden Valley$58.94
Grand Forks $85.18
Grand Forks Afb$132.64
Minot $88.68
Minot Afb$124.14

Cheap Car Insurance in Minot by Zip Codes

find cheap auto insurance in Minot

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Dakota. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Minot, ND ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Minot

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $197.31 per month in Minot. Compare that to drivers in their 30’s who typically pay around $81.71 per month drivers in their 40s at $71.96 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Minot

If you are teen in Minot you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $135.13 per month. This is likely the most affordable option in Minot. You might also want to consider Auto-Owners Insurance Co and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$188.90
State Farm$196.29
North Star$197.83
Grinnell Mutual$225.15

Cheapest Insurance for 20 Year-olds in Minot

20 year-olds in Minot might want to consider USAA who, on average, offers car insurance rates around $78.21 per month. State Farm , Allied , Auto-Owners Insurance Co and North Star are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$126.51
Auto-Owners Insurance Co$142.30
North Star$142.92

Cheapest Insurance for 30 Year-olds in Minot

If you are in your 30s in Minot our research has found that USAA typically has the most affordable coverage coming in around $60.01 per month, followed by State Farm at $87.03 and Auto-Owners Insurance Co at $96.43.

CompanyAverage Monthly Rate
State Farm$87.03
Auto-Owners Insurance Co$96.43
North Star$103.65

Cheapest Insurance for 40 Year-olds in Minot

On average, USAA offers car insurance for 40 year-olds in Minot for around $49.64 per month. If you are looking for affordable coverage, you may also want to consider EMC Insurance or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
EMC Insurance$75.67
State Farm$77.08
North Star$89.36

Cheapest Insurance for 50 Year-olds in Minot

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Minot we found that USAA generally offers the most affordable coverage at $44.03 per month.

CompanyAverage Monthly Rate
State Farm$71.66
Auto-Owners Insurance Co$78.69

Cheapest Insurance for 60 Year-olds in Minot

If you live in Minot and you’re in your 60s, our data indicates that USAA usually has the best rates at $40.83 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$66.78
North Star$69.81
Auto-Owners Insurance Co$74.18

Driver's Coverage Auto Insurance Rates in Minot, ND

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Minot, the average monthly rate for a driver who is currently insured is $86.13 while drivers who are not currently covered will pay around $91.78.

CoverageAverage Monthly Rate
Not Currently Insured $91.78
Currently Insured $86.13

Compare Recent Car Insurance Quotes in Minot

auto insurance quotes in Minot city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Minot a driver of a 2007 Nissan Altima can expect to pay around $100.27 per month while someone that owns a 2012 Honda Civic may pay around $136.53 per month. Check out the list of recent quotes in Minot below.

VehicleAverage Monthly Rate
2007 Nissan Altima$100.27
2012 Honda Civic$136.53
2010 Volkswagen Jetta$225.88
2018 Hyundai Santa Fe Sport$71.42
2007 Mazda 3$141.37
2017 Toyota Corolla$79.38
2007 Chevrolet Impala$55.40
2007 Honda Accord$89.67
2004 Pontiac Bonneville$124.78
2014 Chevrolet Equinox$66.00

FAQ's for Drivers in Minot, ND

driver’s frequently asked question in Minot

What Is the Minimum Liability Coverage Requirement in Covina, CA?

Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Covina, CA?

It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.


Commute Time in Minot, ND

18.6 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Minot, ND


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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