Cheapest Car Insurance Quotes in Arthur

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Arthur Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Arthur

The car insurance rate in Arthur is $702 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Arthur can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Arthur

$702

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Arthur

1st place: Nodak Mutual

At $368 for a six month policy, Nodak Mutual offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $406 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $524 for six months, making it the third cheapest auto insurance company in Arthur.

Arthur Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arthur, ND is Nodak Mutual, offering policies at just $368 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $406.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1119 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arthur drivers find the best deals.

Cheap Car Insurance Companies in Arthur, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$368	$63
Nationwide	$406	$68
USAA	$524	$88
American Family	$622	$105
North Star	$627	$106
Progressive	$638	$107
State Farm	$735	$124
Auto-Owners	$822	$137
Nodak	$838	$141
Allstate	$1027	$173
Farmers	$1119	$188

Key Takeaways

Way's key takeaways about car insurance in Arthur

The auto insurance costs in Arthur fall around $368 for six months.
The cheapest auto insurance company in Arthur is North Star.
Teen drivers pay the highest rate in Arthur at $766 per month.

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Cheapest Minimum Liability Car Insurance in Arthur

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Arthur are given below.

North Star provides the cheapest minimum car insurance coverage in Arthur. Their Average 6 Month Premium is $125. Allstate is the most expensive at $432 for the same period.

Cheapest Liability Coverage in Arthur, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$125	$21
North Star Mutual	$125	$21
USAA	$125	$21
Nationwide	$140	$24
Nodak Mutual	$140	$24
North Star Mutual Insurance	$140	$24
Auto-Owners Insurance Co	$151	$25
Nodak	$173	$29
Auto-Owners	$178	$30
Progressive	$184	$31
State Farm	$184	$31
American Family	$232	$39
Farmers	$416	$70
Allstate	$432	$73

Cheapest Full Coverage Car Insurance in Arthur

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Arthur is Nodak Mutual at $63 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arthur, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$368	$63
Nationwide	$406	$68
USAA	$524	$88
American Family	$622	$105
North Star	$627	$106
Progressive	$638	$107
State Farm	$735	$124
Auto-Owners	$822	$137
Nodak	$838	$141
Allstate	$1027	$173
Farmers	$1119	$188

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Average Car Insurance in Arthur by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Arthur, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Arthur, North Dakota, may be increasing due to several external factors. North Dakota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Arthur's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Arthur

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Arthur,ND

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the Arthur at $25 per month. At $4551 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$146	$25
Nodak Mutual	$151	$25
Nationwide	$167	$28
Auto-Owners Insurance Co	$189	$32
USAA	$649	$109
American Family	$1114	$187
Auto-Owners	$1140	$192
North Star	$1384	$230
Progressive	$1708	$288
State Farm	$1735	$292
Nodak	$2000	$340
Farmers	$4184	$704
Allstate	$4551	$766

Teen Car Insurance Rates in ND by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Arthur, Nationwide is the cheapest car insurance provider. At $206 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Arthur is State Farm, offering rates of around $2530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$206	$35
Nodak Mutual	$319	$55
Progressive	$724	$122
American Family	$875	$147
USAA	$897	$149
Nodak	$1562	$266
Allstate	$1600	$267
Farmers	$2011	$342
Auto-Owners	$2443	$407
State Farm	$2530	$430

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Car Insurance Rates with An Accident in Arthur

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Arthur, ND, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Arthur

The cheapest car insurance companies after an at-fault accident in Arthur include Nationwide and Nodak Mutual, offering $140 and $184, respectively. Farmers is an expensive provider with an average six-month premium of $1513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$140	$24
Nodak Mutual	$184	$31
Auto-Owners Insurance Co	$211	$35
North Star Mutual	$211	$35
North Star Mutual Insurance	$238	$40
USAA	$368	$62
American Family	$476	$80
Auto-Owners	$476	$80
State Farm	$589	$99
Progressive	$886	$149
Nodak	$914	$154
North Star	$1108	$188
Allstate	$1395	$235
Farmers	$1513	$255

Arthur Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arthur ND. For example, the car insurance in Arthur after a DUI increases to $756 for a six month policy. While the rate increases by $162 for a six-month policy in the case of a speeding ticket.

Arthur auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$941	$157
One Med/PIP claim	$941	$160
Not-at-fault accident	$956	$159
One comp claim	$973	$166
Two Med/PIP claims	$973	$162
Two comp claims	$1022	$174
Failure to show documents	$1027	$171
Driving with expired registration	$1048	$178
Failure to wear a seat belt	$1054	$176
Child safety restraint	$1059	$180
Driving without lights	$1059	$177
Cell phone violation	$1081	$184
Failure to yield	$1081	$180
Following too closely	$1081	$184
Illegal turn	$1081	$180
Texting while driving	$1081	$184
Driving too slowly	$1092	$182
Failure to stop at a red light	$1092	$186
Speeding in school zone	$1092	$182
Speeding 6 - 10 MPH over limit	$1103	$187
Wrong way/wrong lane	$1108	$185
Speeding 11 - 15 MPH over limit	$1114	$189
Speeding 16 - 20 MPH over limit	$1125	$187
Speeding 21 - 25 MPH over limit	$1125	$191
Improper passing	$1135	$189
Passing school bus	$1151	$196
In 65 MPH zone	$1157	$193
Operating a vehicle without permission	$1221	$207
At-fault accident - less than $1000	$1238	$207
Open container	$1281	$217
At-fault accident - $1000-$2000	$1292	$216
At-fault accident - greater than $2000	$1292	$219
Driving with a suspended license	$1530	$255
Refusal to submit to a chemical test	$1616	$275
Reckless driving	$1627	$271
DUI	$1697	$288
Racing	$1697	$283
Leaving scene of an accident/hit and run	$1741	$296

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Arthur after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Arthur.

The cheapest car insurance premiums in Arthur are offered by Nodak Mutual at $217 for a six-month policy. However, it can be as expensive as $1827 with companies like Allstate.

Arthur car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$217	$36
Grinnell Mutual	$243	$41
Nationwide	$259	$44
Progressive	$562	$95
American Family	$611	$103
USAA	$649	$109
State Farm	$757	$127
Nodak	$833	$140
Allied	$1076	$179
Auto-Owners	$1390	$237
Farmers	$1481	$249
Allstate	$1827	$308

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Arthur are offered by Nationwide at $167. However, it can be as expensive as $2346 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Arthur after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$167	$28
Nodak Mutual	$167	$28
Auto-Owners Insurance Co	$178	$30
American Family	$427	$72
State Farm	$427	$72
USAA	$502	$86
Progressive	$616	$104
Auto-Owners	$757	$128
Nodak	$822	$137
Farmers	$2324	$395
Allstate	$2346	$391

Car Insurance Price Trends in Arthur, North Dakota

Car insurance rates in Arthur have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Arthur rose by $160 in December compared to $159 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Arthur remained steady at $34 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Arthur?

The car insurance in Arthur is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Arthur?

The cheapest car insurance in Arthur is $63 per month for full coverage.

How much is car insurance in Arthur for teenagers?

Car insurance for teenagers costs $146 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Arthur?

The average cost of car insurance is $771 for a six-month policy. It will cost around $117 per month to insure your car in Arthur.

Is car insurance expensive in Arthur?

Car insurance can be expensive in Arthur if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Arthur can be affordable.

What is the best car insurance in Arthur, ND?

The best car insurance company in Arthur ND is Nodak Mutual, offering $368 for a six-month policy.