Buy Cheap Spiritwood, ND Auto Insurance (2021)

Spiritwood, ND auto insurance rates average $338 a month. Minimum auto insurance requirements in Spiritwood, North Dakota are 25/50/25 to comply with North Dakota laws. To buy cheap auto insurance in Spiritwood, ND, compare Spiritwood auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Spiritwood after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Spiritwood is Liberty Mutual
  • Average auto insurance rates in Spiritwood, ND are $338/month

Finding affordable Spiritwood, North Dakota auto insurance can be challenging, but everything you need to know to buy cheap Spiritwood, ND auto insurance with confidence is right here. Auto insurance rates in Spiritwood are affected by local factors as well as personal ones like your driving record.

See how Spiritwood, ND car insurance rates compare to Fargo auto insurance rates, Minot auto insurance rates, and Grand Forks auto insurance rates before you read more about the cost of auto insurance in Spiritwood.

Don’t buy Spiritwood, ND auto insurance until you’ve compared rates. Get free Spiritwood, North Dakota auto insurance quotes when you enter your ZIP code above.

Spiritwood, ND Minimum Auto Insurance Requirements

The required auto insurance in Spiritwood, ND is 25/50/25 according to the auto insurance laws in North Dakota. The minimum auto insurance in Spiritwood, North Dakota is outlined here.

Minimum Required Auto Insurance Coverage in Spiritwood, 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

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Find Cheap Spiritwood, ND Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Spiritwood, ND. Take a look at Spiritwood, North Dakota auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Spiritwood, North Dakota

Insurance Company Poor Fair Good
Allstate $5,930 $4,506 $3,658
American Family $4,614 $3,200 $2,704
Farmers $3,716 $3,039 $2,886
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,807 $2,194 $1,927
Progressive $4,052 $3,381 $3,083
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

Buy Cheap Spiritwood, ND Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Spiritwood, North Dakota auto insurance rates? Find out how car insurance rates in Spiritwood, ND are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spiritwood, 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 $2,578 $2,580 $2,286 $2,421 $10,022 $11,813 $2,828 $3,054
American Family $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,904 $1,867 $1,700 $1,771 $6,914 $7,087 $2,170 $2,295
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 $1,640 $1,676 $1,474 $1,569 $3,702 $4,556 $1,872 $1,983
Progressive $2,033 $1,945 $1,650 $1,704 $7,392 $8,278 $2,504 $2,537
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

Buy Cheap Spiritwood, ND Auto Insurance for Teen Drivers

Auto insurance for teenagers in Spiritwood can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spiritwood, ND are listed here.

Annual Auto Insurance Rates for Teen Drivers in Spiritwood, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,022 $11,813
American Family $5,349 $7,694
Farmers $6,914 $7,087
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,702 $4,556
Progressive $7,392 $8,278
State Farm $3,947 $4,991
USAA $3,928 $4,747

Buy Cheap Spiritwood, ND Auto Insurance for Seniors

You can save on senior auto insurance rates in Spiritwood, North Dakota by comparing Spiritwood senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spiritwood, ND here.

Annual Auto Insurance Rates for Senior Drivers in Spiritwood, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,286 $2,421
American Family $2,269 $2,269
Farmers $1,700 $1,771
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,474 $1,569
Progressive $1,650 $1,704
State Farm $1,248 $1,248
USAA $927 $930

Find Cheap Auto Insurance Rates in Spiritwood, ND by Coverage Level

The amount of coverage you choose is a big factor in the cost of Spiritwood, North Dakota auto insurance. Compare Spiritwood, ND auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Spiritwood, North Dakota

Insurance Company Low Medium High
Allstate $4,597 $4,695 $4,801
American Family $3,614 $3,679 $3,226
Farmers $3,141 $3,200 $3,299
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,247 $2,297 $2,383
Progressive $3,407 $3,495 $3,613
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

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Find Cheap Spiritwood, ND Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Spiritwood. Compare auto insurance rates in Spiritwood, ND by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Spiritwood, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,583 $4,813
American Family $3,463 $3,549
Farmers $3,213 $3,213
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,309 $2,309
Progressive $3,505 $3,505
State Farm $2,144 $2,262
USAA $2,008 $2,049

Find Cheap Spiritwood, ND Auto Insurance Rates by Driving Record

Auto insurance rates in Spiritwood, North Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spiritwood, ND, take a look at the average cost for various violations versus rates for a clean driving record in Spiritwood.

Annual Spiritwood, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,796 $4,184 $6,389 $4,422
American Family $2,562 $3,667 $4,863 $2,932
Farmers $2,704 $3,456 $3,414 $3,280
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $10,928 $12,332 $13,395 $12,612
Nationwide $1,714 $2,351 $3,228 $1,944
Progressive $3,239 $3,972 $3,275 $3,534
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Find Cheap Spiritwood, ND Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Spiritwood, North Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Spiritwood for less when you shop around and compare rates from multiple Spiritwood, ND auto insurance companies.

Annual Auto Insurance Rates After a DUI in Spiritwood, North Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,389
American Family $4,863
Farmers $3,414
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,228
Progressive $3,275
State Farm $2,203
USAA $2,854

Winners by Category: Where to Buy Cheap Auto Insurance in Spiritwood, ND

Compare rates from the cheapest auto insurance companies in Spiritwood, ND for your needs. Take a look at how Spiritwood, North Dakota auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Spiritwood, 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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Find Cheap Spiritwood, North Dakota Auto Insurance Companies

If you’re looking for the cheapest Spiritwood, ND auto insurance companies overall, you can compare them here. Find the best price for Spiritwood, North Dakota car insurance by company.

Average Annual Auto Insurance Rates by Company in Spiritwood, North Dakota

Insurance Company Average Annual Rates
Allstate $4,698
American Family $3,506
Farmers $3,213
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,309
Progressive $3,505
State Farm $2,203
USAA $2,028

Compare Auto Insurance Quotes in Spiritwood, ND

You can buy cheap Spiritwood, ND auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spiritwood, North Dakota auto insurance quotes from top companies.

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