Buy Cheap St. Thomas, ND Auto Insurance (2021)

St. Thomas, ND auto insurance rates average $352 a month. Minimum auto insurance requirements in St. Thomas, North Dakota are 25/50/25 to comply with North Dakota laws. To buy cheap auto insurance in St. Thomas, ND, compare St. Thomas 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 St. Thomas is Liberty Mutual
  • Average auto insurance rates in St. Thomas, ND after a DUI are $5,057/year
  • Average auto insurance rates in St. Thomas, ND for teens drivers are $8,314/year

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

See how St. Thomas, ND car insurance rates compare to Bismarck auto insurance rates, Fargo auto insurance rates, and Mandan auto insurance rates before you read more about the cost of auto insurance in St. Thomas.

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

St. Thomas, ND Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in St. Thomas, 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 St. Thomas, ND Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in St. Thomas, North Dakota

Insurance Company Poor Fair Good
Allstate $5,539 $4,218 $3,432
American Family $5,292 $3,681 $3,115
Farmers $3,421 $2,791 $2,652
GEICO $3,222 $2,595 $2,265
Liberty Mutual $19,355 $11,544 $9,036
Nationwide $3,078 $2,396 $2,106
Progressive $3,827 $3,188 $2,902
State Farm $3,857 $2,452 $1,962
USAA $2,801 $1,773 $1,511

Buy Cheap St. Thomas, ND Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Thomas, 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 $2,421 $2,428 $2,147 $2,276 $9,354 $11,014 $2,660 $2,871
American Family $2,898 $2,898 $2,612 $2,612 $6,100 $8,820 $2,898 $3,396
Farmers $1,766 $1,736 $1,579 $1,642 $6,310 $6,473 $2,007 $2,123
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $7,402 $8,006 $5,941 $7,201 $29,140 $32,517 $7,765 $8,523
Nationwide $1,802 $1,848 $1,615 $1,725 $4,020 $4,973 $2,051 $2,180
Progressive $1,933 $1,849 $1,565 $1,619 $6,944 $7,769 $2,371 $2,396
State Farm $1,793 $1,793 $1,575 $1,575 $4,879 $6,182 $2,000 $2,257
USAA $1,139 $1,131 $927 $930 $3,928 $4,747 $1,640 $1,784

Buy Cheap St. Thomas, ND Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. Thomas, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,354 $11,014
American Family $6,100 $8,820
Farmers $6,310 $6,473
GEICO $4,150 $5,218
Liberty Mutual $29,140 $32,517
Nationwide $4,020 $4,973
Progressive $6,944 $7,769
State Farm $4,879 $6,182
USAA $3,928 $4,747

Buy Cheap St. Thomas, ND Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. Thomas, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,147 $2,276
American Family $2,612 $2,612
Farmers $1,579 $1,642
GEICO $1,863 $1,884
Liberty Mutual $5,941 $7,201
Nationwide $1,615 $1,725
Progressive $1,565 $1,619
State Farm $1,575 $1,575
USAA $927 $930

Find Cheap Auto Insurance Rates in St. Thomas, ND by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. Thomas, North Dakota

Insurance Company Low Medium High
Allstate $4,299 $4,395 $4,495
American Family $4,159 $4,230 $3,699
Farmers $2,888 $2,942 $3,034
GEICO $2,647 $2,689 $2,745
Liberty Mutual $13,032 $13,258 $13,645
Nationwide $2,465 $2,514 $2,602
Progressive $3,207 $3,294 $3,416
State Farm $2,691 $2,764 $2,816
USAA $1,977 $2,030 $2,079

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Find Cheap St. Thomas, ND Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in St. Thomas, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,289 $4,504
American Family $3,979 $4,079
Farmers $2,954 $2,954
GEICO $2,663 $2,724
Liberty Mutual $13,312 $13,312
Nationwide $2,527 $2,527
Progressive $3,306 $3,306
State Farm $2,683 $2,831
USAA $2,008 $2,049

Find Cheap St. Thomas, ND Auto Insurance Rates by Driving Record

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

Annual St. Thomas, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,561 $3,923 $5,961 $4,140
American Family $2,948 $4,196 $5,597 $3,375
Farmers $2,491 $3,175 $3,135 $3,016
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $11,815 $13,320 $14,484 $13,627
Nationwide $1,863 $2,572 $3,552 $2,120
Progressive $3,057 $3,741 $3,090 $3,334
State Farm $2,559 $2,955 $2,757 $2,757
USAA $1,441 $2,040 $2,854 $1,779

Find Cheap St. Thomas, ND Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. Thomas, North Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,961
American Family $5,597
Farmers $3,135
GEICO $4,084
Liberty Mutual $14,484
Nationwide $3,552
Progressive $3,090
State Farm $2,757
USAA $2,854

Winners by Category: Where to Buy Cheap Auto Insurance in St. Thomas, ND

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

Best Annual Auto Insurance Rates by Company in St. Thomas, North Dakota

Category Insurance Company
Teenagers USAA
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 St. Thomas, North Dakota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. Thomas, North Dakota

Insurance Company Average Annual Rates
Allstate $4,396
American Family $4,029
Farmers $2,954
GEICO $2,694
Liberty Mutual $13,312
Nationwide $2,527
Progressive $3,306
State Farm $2,757
USAA $2,028

What affects St. Thomas, North Dakota auto insurance rates?

Local factors affect auto insurance rates in St. Thomas, ND, including traffic, theft statistics, and commute length. Take a look at the things that impact St. Thomas auto insurance rates.

Commute Times in St. Thomas

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in St. Thomas, ND is 20.7 minutes according to City-Data.

Compare Auto Insurance Quotes in St. Thomas, ND

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

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