Cheapest Car Insurance Quotes in Fort Yates

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Fort Yates Car Insurance

^$ 26

/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 Fort Yates

The car insurance rate in Fort Yates is $856 for a six-month policy, which is $85 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Fort Yates 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 Fort Yates

$856

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Fort Yates

1st place: Nodak Mutual

At $448 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 $495 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $639 for six months, making it the third cheapest auto insurance company in Fort Yates.

Fort Yates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Yates, ND is Nodak Mutual, offering policies at just $448 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $495.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1365 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Yates drivers find the best deals.

Cheap Car Insurance Companies in Fort Yates, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$448	$77
Nationwide	$495	$83
USAA	$639	$108
American Family	$758	$128
North Star	$765	$130
Progressive	$778	$131
State Farm	$897	$151
Auto-Owners	$1002	$167
Nodak	$1022	$172
Allstate	$1253	$211
Farmers	$1365	$230

Key Takeaways

Way's key takeaways about car insurance in Fort Yates

The auto insurance costs in Fort Yates fall around $448 for six months.
The cheapest auto insurance company in Fort Yates is North Star.
Teen drivers pay the highest rate in Fort Yates at $935 per month.

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Cheapest Minimum Liability Car Insurance in Fort Yates

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 Fort Yates are given below.

North Star provides the cheapest minimum car insurance coverage in Fort Yates. Their Average 6 Month Premium is $152. Allstate is the most expensive at $527 for the same period.

Cheapest Liability Coverage in Fort Yates, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$152	$26
North Star Mutual	$152	$26
USAA	$152	$26
Nationwide	$171	$29
Nodak Mutual	$171	$29
North Star Mutual Insurance	$171	$29
Auto-Owners Insurance Co	$184	$31
Nodak	$211	$36
Auto-Owners	$218	$37
Progressive	$224	$38
State Farm	$224	$38
American Family	$283	$48
Farmers	$507	$85
Allstate	$527	$89

Cheapest Full Coverage Car Insurance in Fort Yates

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 Fort Yates is Nodak Mutual at $77 per month and $448 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Yates, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$448	$77
Nationwide	$495	$83
USAA	$639	$108
American Family	$758	$128
North Star	$765	$130
Progressive	$778	$131
State Farm	$897	$151
Auto-Owners	$1002	$167
Nodak	$1022	$172
Allstate	$1253	$211
Farmers	$1365	$230

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Average Car Insurance in Fort Yates 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 Fort Yates, ND increasing?

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

Car Insurance Premiums by Age in Fort Yates

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 Fort Yates,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 Fort Yates at $30 per month. At $5551 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	$178	$30
Nodak Mutual	$184	$31
Nationwide	$204	$34
Auto-Owners Insurance Co	$231	$39
USAA	$791	$133
American Family	$1359	$229
Auto-Owners	$1391	$234
North Star	$1688	$281
Progressive	$2083	$351
State Farm	$2117	$356
Nodak	$2440	$415
Farmers	$5104	$859
Allstate	$5551	$935

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 Fort Yates, Nationwide is the cheapest car insurance provider. At $251 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 Fort Yates is State Farm, offering rates of around $3086 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$251	$42
Nodak Mutual	$389	$67
Progressive	$884	$149
American Family	$1068	$180
USAA	$1094	$182
Nodak	$1906	$324
Allstate	$1951	$325
Farmers	$2453	$417
Auto-Owners	$2980	$496
State Farm	$3086	$525

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Car Insurance Rates with An Accident in Fort Yates

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Yates

The cheapest car insurance companies after an at-fault accident in Fort Yates include Nationwide and Nodak Mutual, offering $171 and $224, respectively. Farmers is an expensive provider with an average six-month premium of $1846.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$171	$29
Nodak Mutual	$224	$38
Auto-Owners Insurance Co	$258	$43
North Star Mutual	$258	$43
North Star Mutual Insurance	$290	$49
USAA	$448	$75
American Family	$581	$98
Auto-Owners	$581	$98
State Farm	$718	$121
Progressive	$1081	$182
Nodak	$1114	$188
North Star	$1352	$230
Allstate	$1702	$286
Farmers	$1846	$311

Fort Yates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Yates ND. For example, the car insurance in Fort Yates after a DUI increases to $922 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Fort Yates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1148	$191
One Med/PIP claim	$1148	$195
Not-at-fault accident	$1167	$194
One comp claim	$1187	$202
Two Med/PIP claims	$1187	$198
Two comp claims	$1247	$212
Failure to show documents	$1253	$209
Driving with expired registration	$1279	$218
Failure to wear a seat belt	$1285	$214
Child safety restraint	$1292	$220
Driving without lights	$1292	$215
Cell phone violation	$1319	$224
Failure to yield	$1319	$220
Following too closely	$1319	$224
Illegal turn	$1319	$220
Texting while driving	$1319	$224
Driving too slowly	$1332	$222
Failure to stop at a red light	$1332	$226
Speeding in school zone	$1332	$222
Speeding 6 - 10 MPH over limit	$1345	$229
Wrong way/wrong lane	$1352	$225
Speeding 11 - 15 MPH over limit	$1359	$231
Speeding 16 - 20 MPH over limit	$1372	$229
Speeding 21 - 25 MPH over limit	$1372	$233
Improper passing	$1384	$231
Passing school bus	$1404	$239
In 65 MPH zone	$1411	$235
Operating a vehicle without permission	$1490	$253
At-fault accident - less than $1000	$1510	$252
Open container	$1563	$265
At-fault accident - $1000-$2000	$1576	$263
At-fault accident - greater than $2000	$1576	$268
Driving with a suspended license	$1866	$311
Refusal to submit to a chemical test	$1971	$335
Reckless driving	$1985	$331
DUI	$2070	$352
Racing	$2070	$345
Leaving scene of an accident/hit and run	$2123	$361

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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 Fort Yates 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 Fort Yates.

The cheapest car insurance premiums in Fort Yates are offered by Nodak Mutual at $264 for a six-month policy. However, it can be as expensive as $2229 with companies like Allstate.

Fort Yates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$264	$44
Grinnell Mutual	$296	$50
Nationwide	$316	$53
Progressive	$686	$115
American Family	$745	$125
USAA	$791	$133
State Farm	$924	$155
Nodak	$1016	$171
Allied	$1312	$219
Auto-Owners	$1695	$289
Farmers	$1807	$304
Allstate	$2229	$375

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 Fort Yates are offered by Nationwide at $204. However, it can be as expensive as $2862 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Yates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$204	$34
Nodak Mutual	$204	$34
Auto-Owners Insurance Co	$218	$37
American Family	$521	$88
State Farm	$521	$88
USAA	$613	$104
Progressive	$751	$127
Auto-Owners	$924	$157
Nodak	$1002	$167
Farmers	$2835	$482
Allstate	$2862	$477

Car Insurance Price Trends in Fort Yates, North Dakota

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

The average cost of full coverage in the Fort Yates rose by $195 in December compared to $194 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 Fort Yates remained steady at $41 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 Fort Yates?

The car insurance in Fort Yates is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Yates?

The cheapest car insurance in Fort Yates is $77 per month for full coverage.

How much is car insurance in Fort Yates for teenagers?

Car insurance for teenagers costs $178 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 Fort Yates?

The average cost of car insurance is $771 for a six-month policy. It will cost around $143 per month to insure your car in Fort Yates.

Is car insurance expensive in Fort Yates?

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

What is the best car insurance in Fort Yates, ND?

The best car insurance company in Fort Yates ND is Nodak Mutual, offering $448 for a six-month policy.