Cheapest Car Insurance Quotes in Des Lacs

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Des Lacs Car Insurance

^$ 24

/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 Des Lacs

The car insurance rate in Des Lacs is $810 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Des Lacs 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 Des Lacs

$810

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Des Lacs

1st place: Nodak Mutual

At $424 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 $468 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $605 for six months, making it the third cheapest auto insurance company in Des Lacs.

Des Lacs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Des Lacs, ND is Nodak Mutual, offering policies at just $424 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $468.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1292 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Des Lacs drivers find the best deals.

Cheap Car Insurance Companies in Des Lacs, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$424	$72
Nationwide	$468	$79
USAA	$605	$102
American Family	$717	$121
North Star	$723	$123
Progressive	$736	$124
State Farm	$848	$143
Auto-Owners	$948	$158
Nodak	$967	$163
Allstate	$1185	$200
Farmers	$1292	$217

Key Takeaways

Way's key takeaways about car insurance in Des Lacs

The auto insurance costs in Des Lacs fall around $424 for six months.
The cheapest auto insurance company in Des Lacs is North Star.
Teen drivers pay the highest rate in Des Lacs at $884 per month.

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Cheapest Minimum Liability Car Insurance in Des Lacs

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 Des Lacs are given below.

North Star provides the cheapest minimum car insurance coverage in Des Lacs. Their Average 6 Month Premium is $144. Allstate is the most expensive at $499 for the same period.

Cheapest Liability Coverage in Des Lacs, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$144	$24
North Star Mutual	$144	$24
USAA	$144	$24
Nationwide	$162	$27
Nodak Mutual	$162	$27
North Star Mutual Insurance	$162	$27
Auto-Owners Insurance Co	$174	$29
Nodak	$200	$34
Auto-Owners	$206	$35
Progressive	$212	$36
State Farm	$212	$36
American Family	$268	$45
Farmers	$480	$81
Allstate	$499	$84

Cheapest Full Coverage Car Insurance in Des Lacs

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 Des Lacs is Nodak Mutual at $72 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Des Lacs, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$424	$72
Nationwide	$468	$79
USAA	$605	$102
American Family	$717	$121
North Star	$723	$123
Progressive	$736	$124
State Farm	$848	$143
Auto-Owners	$948	$158
Nodak	$967	$163
Allstate	$1185	$200
Farmers	$1292	$217

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Average Car Insurance in Des Lacs 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 Des Lacs, ND increasing?

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

Car Insurance Premiums by Age in Des Lacs

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 Des Lacs,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 Des Lacs at $28 per month. At $5251 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	$168	$28
Nodak Mutual	$174	$29
Nationwide	$193	$33
Auto-Owners Insurance Co	$218	$37
USAA	$749	$126
American Family	$1285	$216
Auto-Owners	$1316	$222
North Star	$1597	$266
Progressive	$1971	$332
State Farm	$2002	$337
Nodak	$2308	$393
Farmers	$4828	$813
Allstate	$5251	$884

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 Des Lacs, Nationwide is the cheapest car insurance provider. At $237 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 Des Lacs is State Farm, offering rates of around $2919 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$237	$40
Nodak Mutual	$368	$63
Progressive	$836	$141
American Family	$1010	$170
USAA	$1035	$172
Nodak	$1803	$307
Allstate	$1846	$308
Farmers	$2321	$395
Auto-Owners	$2819	$469
State Farm	$2919	$497

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Car Insurance Rates with An Accident in Des Lacs

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 Des Lacs, ND, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Des Lacs

The cheapest car insurance companies after an at-fault accident in Des Lacs include Nationwide and Nodak Mutual, offering $162 and $212, respectively. Farmers is an expensive provider with an average six-month premium of $1746.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$162	$27
Nodak Mutual	$212	$36
Auto-Owners Insurance Co	$244	$41
North Star Mutual	$244	$41
North Star Mutual Insurance	$274	$46
USAA	$424	$71
American Family	$549	$92
Auto-Owners	$549	$92
State Farm	$679	$114
Progressive	$1023	$172
Nodak	$1054	$177
North Star	$1279	$217
Allstate	$1610	$271
Farmers	$1746	$294

Des Lacs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Des Lacs ND. For example, the car insurance in Des Lacs after a DUI increases to $872 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

Des Lacs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1086	$181
One Med/PIP claim	$1086	$185
Not-at-fault accident	$1104	$184
One comp claim	$1122	$191
Two Med/PIP claims	$1122	$187
Two comp claims	$1179	$201
Failure to show documents	$1185	$197
Driving with expired registration	$1210	$206
Failure to wear a seat belt	$1216	$203
Child safety restraint	$1222	$208
Driving without lights	$1222	$204
Cell phone violation	$1247	$212
Failure to yield	$1247	$208
Following too closely	$1247	$212
Illegal turn	$1247	$208
Texting while driving	$1247	$212
Driving too slowly	$1260	$210
Failure to stop at a red light	$1260	$214
Speeding in school zone	$1260	$210
Speeding 6 - 10 MPH over limit	$1273	$216
Wrong way/wrong lane	$1279	$213
Speeding 11 - 15 MPH over limit	$1285	$218
Speeding 16 - 20 MPH over limit	$1298	$216
Speeding 21 - 25 MPH over limit	$1298	$221
Improper passing	$1309	$218
Passing school bus	$1328	$226
In 65 MPH zone	$1335	$223
Operating a vehicle without permission	$1409	$239
At-fault accident - less than $1000	$1428	$238
Open container	$1478	$251
At-fault accident - $1000-$2000	$1491	$249
At-fault accident - greater than $2000	$1491	$253
Driving with a suspended license	$1765	$294
Refusal to submit to a chemical test	$1865	$317
Reckless driving	$1877	$313
DUI	$1958	$333
Racing	$1958	$327
Leaving scene of an accident/hit and run	$2009	$341

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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 Des Lacs 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 Des Lacs.

The cheapest car insurance premiums in Des Lacs are offered by Nodak Mutual at $250 for a six-month policy. However, it can be as expensive as $2108 with companies like Allstate.

Des Lacs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$250	$42
Grinnell Mutual	$280	$47
Nationwide	$299	$50
Progressive	$649	$109
American Family	$705	$119
USAA	$749	$126
State Farm	$874	$147
Nodak	$961	$162
Allied	$1241	$207
Auto-Owners	$1603	$273
Farmers	$1709	$288
Allstate	$2108	$355

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 Des Lacs are offered by Nationwide at $193. However, it can be as expensive as $2707 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Des Lacs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$193	$33
Nodak Mutual	$193	$33
Auto-Owners Insurance Co	$206	$35
American Family	$492	$83
State Farm	$492	$83
USAA	$580	$99
Progressive	$711	$120
Auto-Owners	$874	$148
Nodak	$948	$158
Farmers	$2682	$456
Allstate	$2707	$452

Car Insurance Price Trends in Des Lacs, North Dakota

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

The average cost of full coverage in the Des Lacs rose by $185 in December compared to $184 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 Des Lacs remained steady at $39 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 Des Lacs?

The car insurance in Des Lacs is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Des Lacs?

The cheapest car insurance in Des Lacs is $72 per month for full coverage.

How much is car insurance in Des Lacs for teenagers?

Car insurance for teenagers costs $168 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 Des Lacs?

The average cost of car insurance is $771 for a six-month policy. It will cost around $135 per month to insure your car in Des Lacs.

Is car insurance expensive in Des Lacs?

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

What is the best car insurance in Des Lacs, ND?

The best car insurance company in Des Lacs ND is Nodak Mutual, offering $424 for a six-month policy.