Cheapest Car Insurance Quotes in Fessenden

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Fessenden 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 Fessenden

The car insurance rate in Fessenden is $786 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Fessenden 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 Fessenden

$786

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Fessenden

1st place: Nodak Mutual

At $412 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 $455 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $588 for six months, making it the third cheapest auto insurance company in Fessenden.

Fessenden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fessenden, ND is Nodak Mutual, offering policies at just $412 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $455.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1255 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fessenden drivers find the best deals.

Cheap Car Insurance Companies in Fessenden, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$412	$70
Nationwide	$455	$77
USAA	$588	$99
American Family	$697	$117
North Star	$703	$119
Progressive	$715	$120
State Farm	$824	$139
Auto-Owners	$921	$153
Nodak	$939	$158
Allstate	$1152	$194
Farmers	$1255	$211

Key Takeaways

Way's key takeaways about car insurance in Fessenden

The auto insurance costs in Fessenden fall around $412 for six months.
The cheapest auto insurance company in Fessenden is North Star.
Teen drivers pay the highest rate in Fessenden at $859 per month.

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Cheapest Minimum Liability Car Insurance in Fessenden

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 Fessenden are given below.

North Star provides the cheapest minimum car insurance coverage in Fessenden. Their Average 6 Month Premium is $140. Allstate is the most expensive at $485 for the same period.

Cheapest Liability Coverage in Fessenden, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$140	$23
North Star Mutual	$140	$23
USAA	$140	$23
Nationwide	$157	$27
Nodak Mutual	$157	$27
North Star Mutual Insurance	$157	$27
Auto-Owners Insurance Co	$169	$29
Nodak	$194	$33
Auto-Owners	$200	$34
Progressive	$206	$35
State Farm	$206	$35
American Family	$260	$44
Farmers	$466	$79
Allstate	$485	$82

Cheapest Full Coverage Car Insurance in Fessenden

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 Fessenden is Nodak Mutual at $70 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fessenden, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$412	$70
Nationwide	$455	$77
USAA	$588	$99
American Family	$697	$117
North Star	$703	$119
Progressive	$715	$120
State Farm	$824	$139
Auto-Owners	$921	$153
Nodak	$939	$158
Allstate	$1152	$194
Farmers	$1255	$211

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Average Car Insurance in Fessenden 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 Fessenden, ND increasing?

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

Car Insurance Premiums by Age in Fessenden

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 Fessenden,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 Fessenden at $28 per month. At $5101 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	$163	$28
Nodak Mutual	$169	$29
Nationwide	$188	$32
Auto-Owners Insurance Co	$212	$36
USAA	$727	$122
American Family	$1248	$210
Auto-Owners	$1278	$215
North Star	$1551	$258
Progressive	$1915	$322
State Farm	$1945	$327
Nodak	$2242	$381
Farmers	$4690	$789
Allstate	$5101	$859

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 Fessenden, Nationwide is the cheapest car insurance provider. At $231 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 Fessenden is State Farm, offering rates of around $2836 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$231	$39
Nodak Mutual	$357	$61
Progressive	$812	$137
American Family	$981	$165
USAA	$1006	$167
Nodak	$1751	$298
Allstate	$1793	$299
Farmers	$2254	$384
Auto-Owners	$2739	$456
State Farm	$2836	$482

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Car Insurance Rates with An Accident in Fessenden

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

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

The cheapest car insurance companies after an at-fault accident in Fessenden include Nationwide and Nodak Mutual, offering $157 and $206, respectively. Farmers is an expensive provider with an average six-month premium of $1696.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$157	$27
Nodak Mutual	$206	$35
Auto-Owners Insurance Co	$237	$40
North Star Mutual	$237	$40
North Star Mutual Insurance	$266	$45
USAA	$412	$69
American Family	$533	$90
Auto-Owners	$533	$90
State Farm	$660	$111
Progressive	$993	$167
Nodak	$1024	$172
North Star	$1242	$211
Allstate	$1564	$263
Farmers	$1696	$286

Fessenden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fessenden ND. For example, the car insurance in Fessenden after a DUI increases to $847 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Fessenden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1055	$175
One Med/PIP claim	$1055	$180
Not-at-fault accident	$1072	$179
One comp claim	$1090	$186
Two Med/PIP claims	$1090	$182
Two comp claims	$1145	$195
Failure to show documents	$1152	$192
Driving with expired registration	$1175	$200
Failure to wear a seat belt	$1181	$197
Child safety restraint	$1187	$202
Driving without lights	$1187	$198
Cell phone violation	$1212	$206
Failure to yield	$1212	$202
Following too closely	$1212	$206
Illegal turn	$1212	$202
Texting while driving	$1212	$206
Driving too slowly	$1224	$204
Failure to stop at a red light	$1224	$208
Speeding in school zone	$1224	$204
Speeding 6 - 10 MPH over limit	$1236	$210
Wrong way/wrong lane	$1242	$207
Speeding 11 - 15 MPH over limit	$1248	$212
Speeding 16 - 20 MPH over limit	$1261	$210
Speeding 21 - 25 MPH over limit	$1261	$214
Improper passing	$1272	$212
Passing school bus	$1290	$219
In 65 MPH zone	$1296	$216
Operating a vehicle without permission	$1369	$233
At-fault accident - less than $1000	$1387	$232
Open container	$1436	$244
At-fault accident - $1000-$2000	$1448	$242
At-fault accident - greater than $2000	$1448	$246
Driving with a suspended license	$1715	$286
Refusal to submit to a chemical test	$1812	$308
Reckless driving	$1824	$304
DUI	$1902	$323
Racing	$1902	$317
Leaving scene of an accident/hit and run	$1951	$332

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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 Fessenden 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 Fessenden.

The cheapest car insurance premiums in Fessenden are offered by Nodak Mutual at $243 for a six-month policy. However, it can be as expensive as $2048 with companies like Allstate.

Fessenden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$243	$41
Grinnell Mutual	$272	$46
Nationwide	$291	$49
Progressive	$630	$106
American Family	$684	$115
USAA	$727	$122
State Farm	$849	$143
Nodak	$933	$157
Allied	$1206	$201
Auto-Owners	$1558	$265
Farmers	$1661	$279
Allstate	$2048	$345

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 Fessenden are offered by Nationwide at $188. However, it can be as expensive as $2630 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fessenden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$188	$32
Nodak Mutual	$188	$32
Auto-Owners Insurance Co	$200	$34
American Family	$478	$81
State Farm	$478	$81
USAA	$563	$96
Progressive	$691	$116
Auto-Owners	$849	$144
Nodak	$921	$153
Farmers	$2605	$443
Allstate	$2630	$439

Car Insurance Price Trends in Fessenden, North Dakota

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

The average cost of full coverage in the Fessenden rose by $180 in December compared to $179 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 Fessenden remained steady at $38 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 Fessenden?

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

What is the cheapest car insurance in Fessenden?

The cheapest car insurance in Fessenden is $70 per month for full coverage.

How much is car insurance in Fessenden for teenagers?

Car insurance for teenagers costs $163 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 Fessenden?

The average cost of car insurance is $771 for a six-month policy. It will cost around $132 per month to insure your car in Fessenden.

Is car insurance expensive in Fessenden?

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

What is the best car insurance in Fessenden, ND?

The best car insurance company in Fessenden ND is Nodak Mutual, offering $412 for a six-month policy.