Cheapest Car Insurance Quotes in Emerado

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Emerado 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 Emerado

The car insurance rate in Emerado is $694 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Emerado 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 Emerado

$694

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Emerado

1st place: Nodak Mutual

At $364 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 $401 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $518 for six months, making it the third cheapest auto insurance company in Emerado.

Emerado Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Emerado, ND is Nodak Mutual, offering policies at just $364 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $401.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Emerado drivers find the best deals.

Cheap Car Insurance Companies in Emerado, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$364	$62
Nationwide	$401	$68
USAA	$518	$87
American Family	$615	$104
North Star	$620	$105
Progressive	$631	$106
State Farm	$727	$122
Auto-Owners	$813	$135
Nodak	$829	$140
Allstate	$1016	$171
Farmers	$1107	$186

Key Takeaways

Way's key takeaways about car insurance in Emerado

The auto insurance costs in Emerado fall around $364 for six months.
The cheapest auto insurance company in Emerado is North Star.
Teen drivers pay the highest rate in Emerado at $758 per month.

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Cheapest Minimum Liability Car Insurance in Emerado

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 Emerado are given below.

North Star provides the cheapest minimum car insurance coverage in Emerado. Their Average 6 Month Premium is $123. Allstate is the most expensive at $428 for the same period.

Cheapest Liability Coverage in Emerado, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$123	$21
North Star Mutual	$123	$21
USAA	$123	$21
Nationwide	$139	$23
Nodak Mutual	$139	$23
North Star Mutual Insurance	$139	$23
Auto-Owners Insurance Co	$149	$25
Nodak	$171	$29
Auto-Owners	$176	$30
Progressive	$182	$31
State Farm	$182	$31
American Family	$230	$39
Farmers	$411	$69
Allstate	$428	$72

Cheapest Full Coverage Car Insurance in Emerado

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 Emerado is Nodak Mutual at $62 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Emerado, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$364	$62
Nationwide	$401	$68
USAA	$518	$87
American Family	$615	$104
North Star	$620	$105
Progressive	$631	$106
State Farm	$727	$122
Auto-Owners	$813	$135
Nodak	$829	$140
Allstate	$1016	$171
Farmers	$1107	$186

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Average Car Insurance in Emerado 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 Emerado, ND increasing?

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

Car Insurance Premiums by Age in Emerado

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 Emerado,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 Emerado at $24 per month. At $4501 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	$144	$24
Nodak Mutual	$149	$25
Nationwide	$166	$28
Auto-Owners Insurance Co	$187	$32
USAA	$642	$108
American Family	$1102	$185
Auto-Owners	$1128	$190
North Star	$1369	$228
Progressive	$1689	$284
State Farm	$1716	$289
Nodak	$1978	$337
Farmers	$4138	$697
Allstate	$4501	$758

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 Emerado, Nationwide is the cheapest car insurance provider. At $203 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 Emerado is State Farm, offering rates of around $2502 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$203	$34
Nodak Mutual	$315	$54
Progressive	$716	$121
American Family	$866	$146
USAA	$887	$148
Nodak	$1545	$263
Allstate	$1582	$264
Farmers	$1989	$338
Auto-Owners	$2417	$402
State Farm	$2502	$426

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Car Insurance Rates with An Accident in Emerado

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

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

The cheapest car insurance companies after an at-fault accident in Emerado include Nationwide and Nodak Mutual, offering $139 and $182, respectively. Farmers is an expensive provider with an average six-month premium of $1497.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$139	$23
Nodak Mutual	$182	$31
Auto-Owners Insurance Co	$209	$35
North Star Mutual	$209	$35
North Star Mutual Insurance	$235	$40
USAA	$364	$61
American Family	$471	$79
Auto-Owners	$471	$79
State Farm	$582	$98
Progressive	$877	$148
Nodak	$904	$152
North Star	$1096	$186
Allstate	$1380	$232
Farmers	$1497	$252

Emerado Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Emerado ND. For example, the car insurance in Emerado after a DUI increases to $748 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Emerado auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$931	$155
One Med/PIP claim	$931	$158
Not-at-fault accident	$946	$158
One comp claim	$962	$164
Two Med/PIP claims	$962	$160
Two comp claims	$1011	$172
Failure to show documents	$1016	$169
Driving with expired registration	$1037	$176
Failure to wear a seat belt	$1042	$174
Child safety restraint	$1048	$178
Driving without lights	$1048	$175
Cell phone violation	$1069	$182
Failure to yield	$1069	$178
Following too closely	$1069	$182
Illegal turn	$1069	$178
Texting while driving	$1069	$182
Driving too slowly	$1080	$180
Failure to stop at a red light	$1080	$184
Speeding in school zone	$1080	$180
Speeding 6 - 10 MPH over limit	$1091	$185
Wrong way/wrong lane	$1096	$183
Speeding 11 - 15 MPH over limit	$1102	$187
Speeding 16 - 20 MPH over limit	$1112	$185
Speeding 21 - 25 MPH over limit	$1112	$189
Improper passing	$1122	$187
Passing school bus	$1139	$194
In 65 MPH zone	$1144	$191
Operating a vehicle without permission	$1208	$205
At-fault accident - less than $1000	$1224	$204
Open container	$1267	$215
At-fault accident - $1000-$2000	$1278	$213
At-fault accident - greater than $2000	$1278	$217
Driving with a suspended license	$1513	$252
Refusal to submit to a chemical test	$1598	$272
Reckless driving	$1609	$268
DUI	$1679	$285
Racing	$1679	$280
Leaving scene of an accident/hit and run	$1722	$293

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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 Emerado 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 Emerado.

The cheapest car insurance premiums in Emerado are offered by Nodak Mutual at $214 for a six-month policy. However, it can be as expensive as $1807 with companies like Allstate.

Emerado car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$214	$36
Grinnell Mutual	$240	$41
Nationwide	$257	$43
Progressive	$556	$94
American Family	$604	$102
USAA	$642	$108
State Farm	$749	$126
Nodak	$824	$139
Allied	$1064	$177
Auto-Owners	$1374	$234
Farmers	$1465	$247
Allstate	$1807	$304

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 Emerado are offered by Nationwide at $166. However, it can be as expensive as $2320 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Emerado after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$166	$28
Nodak Mutual	$166	$28
Auto-Owners Insurance Co	$176	$30
American Family	$422	$71
State Farm	$422	$71
USAA	$497	$85
Progressive	$609	$103
Auto-Owners	$749	$127
Nodak	$813	$135
Farmers	$2299	$391
Allstate	$2320	$387

Car Insurance Price Trends in Emerado, North Dakota

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

The average cost of full coverage in the Emerado remained steady at $158 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Emerado remained steady at $33 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 Emerado?

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

What is the cheapest car insurance in Emerado?

The cheapest car insurance in Emerado is $62 per month for full coverage.

How much is car insurance in Emerado for teenagers?

Car insurance for teenagers costs $144 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 Emerado?

The average cost of car insurance is $771 for a six-month policy. It will cost around $116 per month to insure your car in Emerado.

Is car insurance expensive in Emerado?

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

What is the best car insurance in Emerado, ND?

The best car insurance company in Emerado ND is Nodak Mutual, offering $364 for a six-month policy.