Cheapest Car Insurance Quotes in Fairdale

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Fairdale 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 Fairdale

The car insurance rate in Fairdale is $801 for a six-month policy, which is $16 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $396, making it a popular choice for budget-conscious drivers. Rates in Fairdale 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 Fairdale

$801

Avg. Car Insurance in North Dakota

$817

National Average

$1278

Cheapest Car Insurance Companies in Fairdale

1st place: Nodak Mutual

At $396 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 $437 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 $471 for six months, making it the third cheapest auto insurance company in Fairdale.

Fairdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairdale, ND is Nodak Mutual, offering policies at just $396 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $437.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1356 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairdale drivers find the best deals.

Cheap Car Insurance Companies in Fairdale, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$396	$68
Nationwide	$437	$74
American Family	$471	$79
USAA	$600	$101
North Star	$675	$115
Progressive	$780	$131
State Farm	$815	$137
North Star Mutual	$908	$151
Auto-Owners	$978	$167
Nodak	$1054	$177
Allstate	$1141	$192
Farmers	$1356	$228

Key Takeaways

Way's key takeaways about car insurance in Fairdale

The auto insurance costs in Fairdale fall around $396 for six months.
The cheapest auto insurance company in Fairdale is North Star.
Teen drivers pay the highest rate in Fairdale at $858 per month.

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Cheapest Minimum Liability Car Insurance in Fairdale

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 Fairdale are given below.

North Star provides the cheapest minimum car insurance coverage in Fairdale. Their Average 6 Month Premium is $134. Farmers is the most expensive at $460 for the same period.

Cheapest Liability Coverage in Fairdale, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$134	$23
USAA	$140	$24
Nationwide	$151	$25
Nodak Mutual	$151	$25
North Star Mutual Insurance	$151	$25
North Star Mutual	$157	$26
Auto-Owners Insurance Co	$163	$27
American Family	$192	$32
Auto-Owners	$192	$32
Nodak	$192	$32
State Farm	$204	$34
Progressive	$210	$35
Allstate	$460	$77
Farmers	$460	$77

Cheapest Full Coverage Car Insurance in Fairdale

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 Fairdale is Nodak Mutual at $68 per month and $396 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairdale, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$396	$68
Nationwide	$437	$74
American Family	$471	$79
USAA	$600	$101
North Star	$675	$115
Progressive	$780	$131
State Farm	$815	$137
North Star Mutual	$908	$151
Auto-Owners	$978	$167
Nodak	$1054	$177
Allstate	$1141	$192
Farmers	$1356	$228

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Average Car Insurance in Fairdale 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 Fairdale, ND increasing?

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

Car Insurance Premiums by Age in Fairdale

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 Fairdale,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 Fairdale at $26 per month. At $5094 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	$157	$26
Nodak Mutual	$163	$27
Nationwide	$180	$30
Auto-Owners Insurance Co	$204	$34
American Family	$751	$126
USAA	$774	$130
North Star Mutual	$1200	$204
Auto-Owners	$1269	$214
North Star	$1491	$254
State Farm	$1927	$324
Progressive	$2119	$357
Nodak	$2754	$459
Farmers	$4989	$840
Allstate	$5094	$858

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 Fairdale, Nationwide is the cheapest car insurance provider. At $221 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 Fairdale is State Farm, offering rates of around $3714 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$221	$37
American Family	$244	$41
Nodak Mutual	$343	$59
Progressive	$1019	$172
USAA	$1077	$183
North Star Mutual	$1507	$251
Allstate	$1834	$312
Nodak	$2160	$360
Farmers	$2643	$450
Auto-Owners	$2853	$475
State Farm	$3714	$631

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Car Insurance Rates with An Accident in Fairdale

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

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

The cheapest car insurance companies after an at-fault accident in Fairdale include Nationwide and Nodak Mutual, offering $151 and $198, respectively. Farmers is an expensive provider with an average six-month premium of $1834.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$151	$25
Nodak Mutual	$198	$33
Auto-Owners Insurance Co	$227	$38
North Star Mutual Insurance	$256	$43
American Family	$332	$56
USAA	$431	$73
Auto-Owners	$547	$92
State Farm	$652	$110
North Star Mutual	$891	$150
Progressive	$1101	$185
North Star	$1194	$199
Nodak	$1240	$209
Allstate	$1554	$262
Farmers	$1834	$309

Fairdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairdale ND. For example, the car insurance in Fairdale after a DUI increases to $815 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Fairdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1013	$169
One Med/PIP claim	$1013	$172
Not-at-fault accident	$1030	$172
One comp claim	$1048	$178
Two Med/PIP claims	$1048	$174
Two comp claims	$1101	$187
Failure to show documents	$1106	$184
Driving with expired registration	$1129	$192
Failure to wear a seat belt	$1135	$189
Child safety restraint	$1141	$194
Driving without lights	$1141	$190
Cell phone violation	$1164	$198
Failure to yield	$1164	$194
Following too closely	$1164	$198
Illegal turn	$1164	$194
Texting while driving	$1164	$198
Driving too slowly	$1176	$196
Failure to stop at a red light	$1176	$200
Speeding in school zone	$1176	$196
Speeding 6 - 10 MPH over limit	$1188	$202
Wrong way/wrong lane	$1194	$199
Speeding 11 - 15 MPH over limit	$1200	$204
Speeding 16 - 20 MPH over limit	$1211	$202
Speeding 21 - 25 MPH over limit	$1211	$206
Improper passing	$1222	$204
Passing school bus	$1240	$211
In 65 MPH zone	$1246	$208
Operating a vehicle without permission	$1315	$223
At-fault accident - less than $1000	$1333	$222
Open container	$1380	$234
At-fault accident - $1000-$2000	$1392	$232
At-fault accident - greater than $2000	$1392	$236
Driving with a suspended license	$1647	$274
Refusal to submit to a chemical test	$1740	$296
Reckless driving	$1752	$292
DUI	$1828	$311
Racing	$1828	$305
Leaving scene of an accident/hit and run	$1875	$319

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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 Fairdale 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 Fairdale.

The cheapest car insurance premiums in Fairdale are offered by Nodak Mutual at $233 for a six-month policy. However, it can be as expensive as $1158 with companies like Allied.

Fairdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$233	$39
Grinnell Mutual	$262	$44
Nationwide	$279	$47
American Family	$414	$70
Progressive	$687	$116
USAA	$768	$129
State Farm	$844	$142
Nodak	$1112	$187
Auto-Owners	$1630	$271
Farmers	$1798	$303
Allstate	$2043	$344
North Star	$2101	$358
North Star Mutual	$2590	$432
Allied	$1158	$193

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 Fairdale are offered by American Family at $169. However, it can be as expensive as $2241 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fairdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$28
Nationwide	$180	$30
Nodak Mutual	$180	$30
Auto-Owners Insurance Co	$192	$32
State Farm	$471	$79
USAA	$762	$127
Progressive	$804	$135
Auto-Owners	$978	$163
North Star Mutual	$1141	$194
Allstate	$1339	$223
Nodak	$1543	$263
Farmers	$2241	$373

Car Insurance Price Trends in Fairdale, North Dakota

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

The average cost of full coverage in the Fairdale remained steady at $186 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Fairdale remained steady at $36 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Fairdale?

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

What is the cheapest car insurance in Fairdale?

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

How much is car insurance in Fairdale for teenagers?

Car insurance for teenagers costs $157 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 Fairdale?

The average cost of car insurance is $817 for a six-month policy. It will cost around $134 per month to insure your car in Fairdale.

Is car insurance expensive in Fairdale?

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

What is the best car insurance in Fairdale, ND?

The best car insurance company in Fairdale ND is Nodak Mutual, offering $396 for a six-month policy.