Cheapest Car Insurance Quotes in Churchs Ferry

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Churchs Ferry Car Insurance

^$ 23

/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 Churchs Ferry

The car insurance rate in Churchs Ferry is $763 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $400, making it a popular choice for budget-conscious drivers. Rates in Churchs Ferry 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 Churchs Ferry

$763

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Churchs Ferry

1st place: Nodak Mutual

At $400 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 $442 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in Churchs Ferry.

Churchs Ferry Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Churchs Ferry, ND is Nodak Mutual, offering policies at just $400 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $442.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1218 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Churchs Ferry drivers find the best deals.

Cheap Car Insurance Companies in Churchs Ferry, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$400	$68
Nationwide	$442	$74
USAA	$570	$96
American Family	$676	$114
North Star	$682	$116
Progressive	$694	$117
State Farm	$800	$135
Auto-Owners	$894	$149
Nodak	$912	$153
Allstate	$1118	$188
Farmers	$1218	$205

Key Takeaways

Way's key takeaways about car insurance in Churchs Ferry

The auto insurance costs in Churchs Ferry fall around $400 for six months.
The cheapest auto insurance company in Churchs Ferry is North Star.
Teen drivers pay the highest rate in Churchs Ferry at $834 per month.

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Cheapest Minimum Liability Car Insurance in Churchs Ferry

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 Churchs Ferry are given below.

North Star provides the cheapest minimum car insurance coverage in Churchs Ferry. Their Average 6 Month Premium is $136. Allstate is the most expensive at $470 for the same period.

Cheapest Liability Coverage in Churchs Ferry, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$136	$23
North Star Mutual	$136	$23
USAA	$136	$23
Nationwide	$152	$26
Nodak Mutual	$152	$26
North Star Mutual Insurance	$152	$26
Auto-Owners Insurance Co	$164	$28
Nodak	$188	$32
Auto-Owners	$194	$33
Progressive	$200	$34
State Farm	$200	$34
American Family	$252	$43
Farmers	$452	$76
Allstate	$470	$79

Cheapest Full Coverage Car Insurance in Churchs Ferry

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 Churchs Ferry is Nodak Mutual at $68 per month and $400 for six months.

Cheapest Full Coverage Car Insurance Quotes in Churchs Ferry, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$400	$68
Nationwide	$442	$74
USAA	$570	$96
American Family	$676	$114
North Star	$682	$116
Progressive	$694	$117
State Farm	$800	$135
Auto-Owners	$894	$149
Nodak	$912	$153
Allstate	$1118	$188
Farmers	$1218	$205

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Average Car Insurance in Churchs Ferry 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 Churchs Ferry, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Churchs Ferry, 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, Churchs Ferry's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Churchs Ferry

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 Churchs Ferry,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 Churchs Ferry at $27 per month. At $4951 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	$158	$27
Nodak Mutual	$164	$28
Nationwide	$182	$31
Auto-Owners Insurance Co	$206	$35
USAA	$706	$119
American Family	$1212	$204
Auto-Owners	$1240	$209
North Star	$1506	$250
Progressive	$1858	$313
State Farm	$1888	$318
Nodak	$2176	$370
Farmers	$4552	$766
Allstate	$4951	$834

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 Churchs Ferry, Nationwide is the cheapest car insurance provider. At $224 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 Churchs Ferry is State Farm, offering rates of around $2752 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$224	$38
Nodak Mutual	$347	$59
Progressive	$788	$133
American Family	$952	$160
USAA	$976	$162
Nodak	$1700	$289
Allstate	$1740	$290
Farmers	$2188	$372
Auto-Owners	$2658	$443
State Farm	$2752	$468

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Car Insurance Rates with An Accident in Churchs Ferry

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 Churchs Ferry, ND, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Churchs Ferry

The cheapest car insurance companies after an at-fault accident in Churchs Ferry include Nationwide and Nodak Mutual, offering $152 and $200, respectively. Farmers is an expensive provider with an average six-month premium of $1646.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$152	$26
Nodak Mutual	$200	$34
Auto-Owners Insurance Co	$230	$39
North Star Mutual	$230	$39
North Star Mutual Insurance	$258	$44
USAA	$400	$67
American Family	$518	$87
Auto-Owners	$518	$87
State Farm	$641	$108
Progressive	$964	$162
Nodak	$994	$167
North Star	$1206	$205
Allstate	$1518	$255
Farmers	$1646	$277

Churchs Ferry Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Churchs Ferry ND. For example, the car insurance in Churchs Ferry after a DUI increases to $822 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Churchs Ferry auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1024	$170
One Med/PIP claim	$1024	$174
Not-at-fault accident	$1040	$173
One comp claim	$1058	$180
Two Med/PIP claims	$1058	$176
Two comp claims	$1112	$189
Failure to show documents	$1118	$186
Driving with expired registration	$1140	$194
Failure to wear a seat belt	$1146	$191
Child safety restraint	$1152	$196
Driving without lights	$1152	$192
Cell phone violation	$1176	$200
Failure to yield	$1176	$196
Following too closely	$1176	$200
Illegal turn	$1176	$196
Texting while driving	$1176	$200
Driving too slowly	$1188	$198
Failure to stop at a red light	$1188	$202
Speeding in school zone	$1188	$198
Speeding 6 - 10 MPH over limit	$1200	$204
Wrong way/wrong lane	$1206	$201
Speeding 11 - 15 MPH over limit	$1212	$206
Speeding 16 - 20 MPH over limit	$1224	$204
Speeding 21 - 25 MPH over limit	$1224	$208
Improper passing	$1235	$206
Passing school bus	$1252	$213
In 65 MPH zone	$1258	$210
Operating a vehicle without permission	$1329	$226
At-fault accident - less than $1000	$1346	$225
Open container	$1394	$237
At-fault accident - $1000-$2000	$1406	$235
At-fault accident - greater than $2000	$1406	$239
Driving with a suspended license	$1664	$277
Refusal to submit to a chemical test	$1758	$299
Reckless driving	$1770	$295
DUI	$1846	$314
Racing	$1846	$308
Leaving scene of an accident/hit and run	$1894	$322

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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 Churchs Ferry 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 Churchs Ferry.

The cheapest car insurance premiums in Churchs Ferry are offered by Nodak Mutual at $236 for a six-month policy. However, it can be as expensive as $1988 with companies like Allstate.

Churchs Ferry car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$236	$40
Grinnell Mutual	$264	$45
Nationwide	$282	$48
Progressive	$612	$103
American Family	$664	$112
USAA	$706	$119
State Farm	$824	$139
Nodak	$906	$152
Allied	$1170	$195
Auto-Owners	$1512	$257
Farmers	$1612	$271
Allstate	$1988	$335

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 Churchs Ferry are offered by Nationwide at $182. However, it can be as expensive as $2552 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Churchs Ferry after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$182	$31
Nodak Mutual	$182	$31
Auto-Owners Insurance Co	$194	$33
American Family	$464	$78
State Farm	$464	$78
USAA	$546	$93
Progressive	$670	$113
Auto-Owners	$824	$140
Nodak	$894	$149
Farmers	$2528	$430
Allstate	$2552	$426

Car Insurance Price Trends in Churchs Ferry, North Dakota

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

The average cost of full coverage in the Churchs Ferry rose by $174 in December compared to $173 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 Churchs Ferry remained steady at $37 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 Churchs Ferry?

The car insurance in Churchs Ferry is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Churchs Ferry?

The cheapest car insurance in Churchs Ferry is $68 per month for full coverage.

How much is car insurance in Churchs Ferry for teenagers?

Car insurance for teenagers costs $158 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 Churchs Ferry?

The average cost of car insurance is $771 for a six-month policy. It will cost around $128 per month to insure your car in Churchs Ferry.

Is car insurance expensive in Churchs Ferry?

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

What is the best car insurance in Churchs Ferry, ND?

The best car insurance company in Churchs Ferry ND is Nodak Mutual, offering $400 for a six-month policy.