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Finding the cheapest car insurance quotes in Devils Lake 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 Devils Lake
The car insurance rate in Devils Lake is $776 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Devils Lake 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 $384 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 $424 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 $457
for six months, making it
the third cheapest auto insurance company in Devils Lake.
Devils Lake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Devils Lake, ND is Nodak Mutual, offering policies at just $384 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $424.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1315 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Devils Lake drivers find the best deals.
Way's key takeaways about car insurance in Devils Lake
The auto insurance costs in Devils Lake fall around $384 for six
months.
The cheapest auto insurance company in Devils Lake is North Star.
Teen drivers pay the highest rate in Devils Lake at $831 per
month.
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Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Devils Lake
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 Devils Lake are given below.
North Star provides
the cheapest minimum car insurance
coverage in Devils Lake. Their Average 6 Month Premium is $130.
Farmers is the most
expensive at $446 for the same
period.
Cheapest Full Coverage Car Insurance in Devils Lake
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 Devils Lake is Nodak Mutual
at $66 per month and $384
for six months.
Cheapest Full Coverage Car Insurance Quotes in Devils Lake,
ND
Get Your Car Insurance Quote in Devils Lake
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Average Car Insurance in Devils Lake 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 Devils Lake, ND increasing?
Despite maintaining a clean driving record, your car insurance rates
in Devils Lake, 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, Devils Lake's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Devils Lake
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
Devils Lake,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 Devils Lake at $26
per
month. At $4938 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 Devils Lake.
As young drivers face the highest rates in Devils Lake, 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 Devils Lake,
Nationwide is
the cheapest car insurance provider. At $215 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
Devils Lake is State Farm, offering
rates of around $3601 for six
months.
Save up to $971/yr on car insurance rates in Devils Lake.
Car Insurance Rates with An Accident in Devils Lake
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 Devils Lake, ND,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Devils Lake
The cheapest car insurance companies after an at-fault accident in
Devils Lake include Nationwide
and Nodak Mutual, offering $146
and $192,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1777.
Here is a list of driving violations that can increase your car
insurance rates in Devils Lake ND. For example, the car
insurance in Devils Lake
after a DUI increases to $790 for a six
month policy. While the rate increases by $169 for a six-month policy in the case of
a speeding ticket.
Devils Lake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$982
$163
One Med/PIP claim
$982
$167
Not-at-fault accident
$998
$166
One comp claim
$1016
$173
Two Med/PIP claims
$1016
$169
Two comp claims
$1067
$181
Failure to show documents
$1073
$179
Driving with expired registration
$1094
$186
Failure to wear a seat belt
$1100
$183
Child safety restraint
$1106
$188
Driving without lights
$1106
$184
Cell phone violation
$1129
$192
Failure to yield
$1129
$188
Following too closely
$1129
$192
Illegal turn
$1129
$188
Texting while driving
$1129
$192
Driving too slowly
$1140
$190
Failure to stop at a red light
$1140
$194
Speeding in school zone
$1140
$190
Speeding 6 - 10 MPH over limit
$1151
$196
Wrong way/wrong lane
$1157
$193
Speeding 11 - 15 MPH over limit
$1163
$198
Speeding 16 - 20 MPH over limit
$1174
$196
Speeding 21 - 25 MPH over limit
$1174
$200
Improper passing
$1185
$198
Passing school bus
$1202
$204
In 65 MPH zone
$1207
$201
Operating a vehicle without permission
$1275
$217
At-fault accident - less than $1000
$1292
$216
Open container
$1338
$227
At-fault accident - $1000-$2000
$1349
$225
At-fault accident - greater than $2000
$1349
$229
Driving with a suspended license
$1597
$266
Refusal to submit to a chemical test
$1687
$287
Reckless driving
$1699
$283
DUI
$1772
$301
Racing
$1772
$295
Leaving scene of an accident/hit and run
$1817
$309
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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 Devils Lake 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 Devils Lake.
The cheapest car insurance premiums in
Devils Lake are
offered by Nodak Mutual at $226 for a six-month policy.
However, it can be as
expensive as $1123 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 Devils Lake are offered by American Family
at $163. However,
it can be as expensive as $2173
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Devils Lake after Speeding ticket
Car Insurance Price Trends in Devils Lake,
North Dakota
Car insurance rates in Devils Lake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Devils Lake remained steady at $181 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the Devils Lake remained steady at $35 in both February and January, indicating no change over the two month period.
Average Car Insurance Cost in Devils Lake 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
Devils Lake. At $1552 for a
six-month policy, insuring
your car at 58301 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 Devils Lake?
The car insurance in Devils Lake is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Devils Lake?
The cheapest car insurance in Devils Lake
is $66 per month
for full coverage.
How much is car insurance in Devils Lake for teenagers?
Car insurance for teenagers costs $152 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
Devils Lake?
The average cost of car insurance is $817 for a six-month
policy. It will cost around $130 per month to insure your
car in Devils Lake.
Is car insurance expensive in Devils Lake?
Car insurance can be expensive in Devils Lake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Devils Lake can be
affordable.
What is the best car insurance in Devils Lake,
ND?
The best car insurance company in Devils Lake
ND is
Nodak Mutual, offering $384 for a
six-month policy.
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Devils Lake Car Insurance
