Buy Cheap Zap, ND Auto Insurance (2021)

Zap, ND auto insurance rates average $361 a month. Minimum auto insurance requirements in Zap, North Dakota are 25/50/25 to comply with North Dakota laws. To buy cheap auto insurance in Zap, ND, compare Zap auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Zap after a DUI is Liberty Mutual
  • Average auto insurance rates in Zap, ND for teens drivers are $8,504/year
  • Average auto insurance rates in Zap, ND are $361/month

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

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

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

Zap, ND Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Zap, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Zap, ND Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,424 $4,905 $4,015
American Family $5,170 $3,587 $3,033
Farmers $3,523 $2,872 $2,730
GEICO $3,222 $2,595 $2,265
Liberty Mutual $18,768 $11,197 $8,759
Nationwide $3,293 $2,555 $2,248
Progressive $4,464 $3,710 $3,374
State Farm $3,857 $2,452 $1,962
USAA $2,713 $1,718 $1,464

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Zap, 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 $2,922 $2,968 $2,552 $2,718 $10,585 $12,334 $3,275 $3,564
American Family $2,833 $2,833 $2,553 $2,553 $5,947 $8,573 $2,833 $3,318
Farmers $1,822 $1,792 $1,628 $1,693 $6,483 $6,657 $2,069 $2,189
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $7,137 $7,715 $5,728 $6,937 $28,385 $31,663 $7,481 $8,215
Nationwide $1,935 $1,991 $1,729 $1,853 $4,255 $5,290 $2,195 $2,341
Progressive $2,266 $2,168 $1,831 $1,897 $8,051 $9,008 $2,775 $2,800
State Farm $1,793 $1,793 $1,575 $1,575 $4,879 $6,182 $2,000 $2,257
USAA $1,105 $1,097 $900 $903 $3,802 $4,593 $1,590 $1,730

Buy Cheap Zap, ND Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,585 $12,334
American Family $5,947 $8,573
Farmers $6,483 $6,657
GEICO $4,150 $5,218
Liberty Mutual $28,385 $31,663
Nationwide $4,255 $5,290
Progressive $8,051 $9,008
State Farm $4,879 $6,182
USAA $3,802 $4,593

Buy Cheap Zap, ND Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,552 $2,718
American Family $2,553 $2,553
Farmers $1,628 $1,693
GEICO $1,863 $1,884
Liberty Mutual $5,728 $6,937
Nationwide $1,729 $1,853
Progressive $1,831 $1,897
State Farm $1,575 $1,575
USAA $900 $903

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

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

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

Insurance Company Low Medium High
Allstate $5,025 $5,113 $5,206
American Family $4,061 $4,126 $3,604
Farmers $2,973 $3,028 $3,124
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,638 $12,855 $13,230
Nationwide $2,635 $2,684 $2,776
Progressive $3,740 $3,835 $3,973
State Farm $2,691 $2,764 $2,816
USAA $1,915 $1,966 $2,014

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Zap, ND Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,989 $5,241
American Family $3,881 $3,979
Farmers $3,042 $3,042
GEICO $2,663 $2,724
Liberty Mutual $12,908 $12,908
Nationwide $2,699 $2,699
Progressive $3,849 $3,849
State Farm $2,683 $2,831
USAA $1,945 $1,985

Find Cheap Zap, ND Auto Insurance Rates by Driving Record

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

Annual Zap, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,205 $4,598 $6,837 $4,819
American Family $2,875 $4,096 $5,457 $3,292
Farmers $2,566 $3,268 $3,227 $3,105
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $11,451 $12,919 $14,042 $13,218
Nationwide $1,978 $2,747 $3,812 $2,257
Progressive $3,560 $4,353 $3,598 $3,886
State Farm $2,559 $2,955 $2,757 $2,757
USAA $1,397 $1,976 $2,763 $1,724

Find Cheap Zap, ND Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,837
American Family $5,457
Farmers $3,227
GEICO $4,084
Liberty Mutual $14,042
Nationwide $3,812
Progressive $3,598
State Farm $2,757
USAA $2,763

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

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

Best Annual Auto Insurance Rates by Company in Zap, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Zap, North Dakota Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,115
American Family $3,930
Farmers $3,042
GEICO $2,694
Liberty Mutual $12,908
Nationwide $2,699
Progressive $3,849
State Farm $2,757
USAA $1,965

What affects Zap, North Dakota auto insurance rates?

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

Commute Times in Zap

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Zap, ND is 19.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Zap, ND

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption