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Finding the cheapest car insurance quotes in Cummings shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cummings
The car insurance rate in Cummings is $768 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Cummings 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.
At $380 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 $419 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American Family
American Family offers auto insurance
rates at $452
for six months, making it
the third cheapest auto insurance company in Cummings.
Cummings Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cummings, ND is Nodak Mutual, offering policies at just $380 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $419.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1301 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cummings drivers find the best deals.
Way's key takeaways about car insurance in Cummings
The auto insurance costs in Cummings fall around $380 for six
months.
The cheapest auto insurance company in Cummings is North Star.
Teen drivers pay the highest rate in Cummings at $823 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cummings
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 Cummings are given below.
North Star provides
the cheapest minimum car insurance
coverage in Cummings. Their Average 6 Month Premium is $129.
Farmers is the most
expensive at $441 for the same
period.
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 Cummings is Nodak Mutual
at $65 per month and $380
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cummings,
ND
Get Your Car Insurance Quote in Cummings
Instantly!
Average Car Insurance in Cummings 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 Cummings, ND increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cummings, 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, Cummings's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cummings
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Cummings,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 Cummings at $25
per
month. At $4886 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cummings.
As young drivers face the highest rates in Cummings, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Cummings,
Nationwide is
the cheapest car insurance provider. At $212 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
Cummings is State Farm, offering
rates of around $3563 for six
months.
Save up to $971/yr on car insurance rates in Cummings.
Car Insurance Rates with An Accident in Cummings
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 Cummings, ND,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cummings
The cheapest car insurance companies after an at-fault accident in
Cummings include Nationwide
and Nodak Mutual, offering $145
and $190,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1759.
Here is a list of driving violations that can increase your car
insurance rates in Cummings ND. For example, the car
insurance in Cummings
after a DUI increases to $781 for a six
month policy. While the rate increases by $167 for a six-month policy in the case of
a speeding ticket.
Cummings auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$972
$162
One Med/PIP claim
$972
$165
Not-at-fault accident
$988
$165
One comp claim
$1005
$171
Two Med/PIP claims
$1005
$167
Two comp claims
$1056
$180
Failure to show documents
$1061
$177
Driving with expired registration
$1083
$184
Failure to wear a seat belt
$1089
$181
Child safety restraint
$1094
$186
Driving without lights
$1094
$182
Cell phone violation
$1117
$190
Failure to yield
$1117
$186
Following too closely
$1117
$190
Illegal turn
$1117
$186
Texting while driving
$1117
$190
Driving too slowly
$1128
$188
Failure to stop at a red light
$1128
$192
Speeding in school zone
$1128
$188
Speeding 6 - 10 MPH over limit
$1139
$194
Wrong way/wrong lane
$1145
$191
Speeding 11 - 15 MPH over limit
$1151
$196
Speeding 16 - 20 MPH over limit
$1162
$194
Speeding 21 - 25 MPH over limit
$1162
$197
Improper passing
$1172
$196
Passing school bus
$1189
$202
In 65 MPH zone
$1195
$199
Operating a vehicle without permission
$1261
$214
At-fault accident - less than $1000
$1278
$213
Open container
$1324
$225
At-fault accident - $1000-$2000
$1335
$223
At-fault accident - greater than $2000
$1335
$227
Driving with a suspended license
$1580
$263
Refusal to submit to a chemical test
$1669
$284
Reckless driving
$1681
$280
DUI
$1753
$298
Racing
$1753
$292
Leaving scene of an accident/hit and run
$1798
$306
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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 Cummings 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 Cummings.
The cheapest car insurance premiums in
Cummings are
offered by Nodak Mutual at $224 for a six-month policy.
However, it can be as
expensive as $1111 with companies
like Allied.
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 Cummings are offered by American Family
at $162. However,
it can be as expensive as $2150
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Cummings after Speeding ticket
Car Insurance Price Trends in Cummings,
North Dakota
Car insurance rates in Cummings have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cummings remained steady at $179 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Cummings remained steady at $35 in both February and January, indicating no change over the two month period.
Average Car Insurance Cost in Cummings by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cummings. At $1535 for a
six-month policy, insuring
your car at 58223 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cummings?
The car insurance in Cummings is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Cummings?
The cheapest car insurance in Cummings
is $65 per month
for full coverage.
How much is car insurance in Cummings for teenagers?
Car insurance for teenagers costs $150 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
Cummings?
The average cost of car insurance is $817 for a six-month
policy. It will cost around $129 per month to insure your
car in Cummings.
Is car insurance expensive in Cummings?
Car insurance can be expensive in Cummings if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cummings can be
affordable.
What is the best car insurance in Cummings,
ND?
The best car insurance company in Cummings
ND is
Nodak Mutual, offering $380 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cummings, ND
Car Insurance Rates by State in the USA (2025 Update)
Cummings Car Insurance
