Cheap Car Insurance in Minot, ND

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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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.

In the market for auto insurance in Minot? At, you will discover the cheapest insurance premiums in your city. To acquire free car insurance prices from the major providers now, enter your postal code into the quote box on this site.

Minot, once nicknamed the “Magic City” during its early development to mark its substantial growth, is now the 4th largest city within the state of North Dakota. It was a major stop along the Great Northern Railway back in the late 1800’s, and to this day still acts as a major hub for transportation and trade. It is also home to the famous Minot Air Force Base.

  • Fun fact: Did you know that the largest flood in Minot’s history took place on June 26, 2011?

Auto Insurance Coverage Requirements in North Dakota

Driving legally in Minot requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 100,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Underinsured Motorist Bodily Injury Not required 100,000/300,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

If you are still financing your vehicle, your bank lender may require that you add Comprehensive and Collision insurance to your policy. Otherwise, all additional forms of coverage (including Medical Payments and Roadside Assistance) are optional.

Odds are right now that most drivers in North Dakota are paying around $143 per month for their insurance policy. However, it is possible to get the same or similar coverage in Minot for $29/mo*. Keep reading, and we'll show you how.

Average Monthly Auto Insurance Premiums Legend: Minot State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 $23 $27 $33 $32


If you want a competitive rate, you can't seem to go wrong with either State Auto or Liberty Mutual. In order to learn more about these companies, as well as their local competitors, you're going to want to compare as many free quotes online as you can find.

Auto insurance carriers evaluate different elements when figuring out insurance rates, like gender, where you live, occupation, education, and theft protection devices. Also keep in mind that premiums differ from company to company. To make sure you are still receiving the best fee, review cheap Minot auto insurance prices online.

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Major Car Insurance Factors in Minot

There is a wide array of various items which can factor into the rate quotes you obtain. Even though many specific factors aren’t really anything you can do something about, a few of them are variables which you can change for the better. Here are some factors which may change your auto insurance premium:

Your Zip Code

Where you park your car each night will likely have a major impact on your car insurance rate. Usually, auto insurance is cheaper in non-urban regions mainly because a lower number of automobiles indicates a reduced possibility that you're going to get in a wreck with some other automobile. The populace of Minot is 46,321 and the normal household earnings are $54,564.

Auto Insurance by Zip Code Legend: Bismarck Fargo Minot Grand Forks West Fargo State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 $22 $22 $23 $21 $22 $26 $30 $27 $25 $30 $30 $32 $33 $27 $32 $33 $36 $32 $34 $36


Automotive Accidents

Take a look at the chart above. For a town with less than 50,000 residents, and also taking into account the alarmingly high rate of DUI fatalities, the accident statistics for Minot are undoubtedly leading to increased premiums in the area. For help lowering your premiums, talk to your insurance agent about Safe Driver discounts in your area.

Fatal Accidents in Minot, ND Legend: Minot Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 4 6 4 4 8


Auto Thefts in Minot

Finding low-cost auto insurance can be hard if you are vulnerable to auto theft. Certain trendy car or truck models usually are alluring to thieves, in addition to motor vehicles that are parked often in huge cities. The total amount of thieved automobiles in Minot was 108 back in the year 2013. Be sure to protect yourself by adding Comprehensive coverage to your policy - it's the only way you'll be able to file a claim if your vehicle gets stolen.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Auto Liberty Mutual State Farm Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 190 $23 $111 $27 $193 $33 $98 $32 $110


Your Credit Score

Why do auto insurance companies look at your credit score before they determine your rate? Well, the working logic is that people with higher credit scores are more likely to pay their premiums on time each month. This reduces the financial risk for the insurance company, and they reward their customers with lower rates. In the chart below, you can see how drastically different rates can be depending on whether you have excellent or poor credit:

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 40 45 50 55 60 $21 $43 $27 $27 $27 $60 $28 $44


Your Age

Statistically speaking, young and inexperienced drivers are the most likely to get into an accident. That's why older drivers get charged lower monthly rates - because the insurance company is not taking on a huge financial risk by insuring them. If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Auto Liberty Mutual State Farm Allstate 15 30 45 60 75 90 105 120 $23 Do Not Sell $27 $91 $33 $109 $32 $128


Your Driving Record

In this chart, you can see how much you can save with a clean driving record vs. the much higher rates you can expect to pay if you’ve had a minor traffic citation or committed a serious offense (such as reckless driving or getting a DUI). Some companies may refuse to insure you for serious traffic violations. Other companies may have an "accident forgiveness" policy, which means they won't charge you higher rates if you have one minor violation on an otherwise perfect record. Contact your insurance provider for more information on accident forgiveness.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 40 45 $23 $32 $42 $33 $27 $27 Do Not Sell $34 $33 $36 $36 $40 $32 $35 $48 $37


Your Vehicle

Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart above, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Auto Liberty Mutual State Farm Allstate 20 40 60 80 100 120 140 160 180 200 $23 $124 $27 $214 $33 $125 $32 $165


Minor Car Insurance Factors in Minot

In North Dakota, as well as in many other states, you might be able to squeeze out some additional discounts by looking into these factors below:

Your Marital Status

Whether you are single or married, as an individual, your marital status will not influence your monthly rate by more than a few percentage points, if at all. However, married couples can get access to lower rates by bundling their policies together with the same company. You can get further discounts by bundling homeowner's insurance, or renter's insurance to your auto policies.

Your Gender

No matter what you may have heard, there is no significant difference in risk between male and female drivers - according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.

Your Driving Distance to Work

Your typical work commute in Minot will likely only last about 12-16 minutes, although commutes of only 5-10 minutes are almost equally likely to occur. More than 80% of the local residents depend on their own vehicle in order to get to and from work, while less than 8-12% carpool.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won't save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as "for business" use. Business vehicles are typically charged 10-12% more each month.

Your Coverage and Deductibles

Purchasing more coverage means that your insurance company will, more than likely, charge you a higher monthly rate. You can help offset this cost and make your comprehensive coverage more affordable by choosing to raise your deductible. However, keep in mind that you will have to pay that money upfront in the event of an accident.

Education in Minot, ND

Nearly 28% of all citizens have successfully obtained a high school diploma, while an additional 19% have gone on to pursue at least one year of college education. If you happen to have a higher education in Minot, you’re in luck; auto insurance providers have recently started offering lower rates to motorists with advanced degrees!

Minot State University is perhaps the most well-known institution for higher learning in the city. But it hasn’t been a university for very long; it was just a two-year college back when it opened its doors in the early 1900’s. However, it has been offering four-year degrees to prospective students since the late 1980’s. Intrigued by finding out more about Minot? Click here!

Locating affordable car insurance might be a problem. There's lots of information you need to think about, and understanding just how insurance providers examine your possible risk could be complex. But don't permit the wrong insurance provider talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


North Dakota Insurance Department

North Dakota Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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