Cheapest Car Insurance Quotes in Lakota

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Lakota 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 Lakota

The car insurance rate in Lakota is $825 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Lakota 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 Lakota

$825

Avg. Car Insurance in North Dakota

$817

National Average

$1278

Cheapest Car Insurance Companies in Lakota

1st place: Nodak Mutual

At $408 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 $450 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 $486 for six months, making it the third cheapest auto insurance company in Lakota.

Lakota Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakota, ND is Nodak Mutual, offering policies at just $408 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $450.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1398 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakota drivers find the best deals.

Cheap Car Insurance Companies in Lakota, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$408	$70
Nationwide	$450	$76
American Family	$486	$82
USAA	$618	$104
North Star	$696	$118
Progressive	$804	$135
State Farm	$840	$141
North Star Mutual	$936	$156
Auto-Owners	$1008	$172
Nodak	$1086	$183
Allstate	$1176	$198
Farmers	$1398	$235

Key Takeaways

Way's key takeaways about car insurance in Lakota

The auto insurance costs in Lakota fall around $408 for six months.
The cheapest auto insurance company in Lakota is North Star.
Teen drivers pay the highest rate in Lakota at $884 per month.

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Cheapest Minimum Liability Car Insurance in Lakota

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 Lakota are given below.

North Star provides the cheapest minimum car insurance coverage in Lakota. Their Average 6 Month Premium is $138. Farmers is the most expensive at $474 for the same period.

Cheapest Liability Coverage in Lakota, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$138	$23
USAA	$144	$24
Nationwide	$156	$26
Nodak Mutual	$156	$26
North Star Mutual Insurance	$156	$26
North Star Mutual	$162	$27
Auto-Owners Insurance Co	$168	$28
American Family	$198	$33
Auto-Owners	$198	$33
Nodak	$198	$33
State Farm	$210	$35
Progressive	$216	$36
Allstate	$474	$80
Farmers	$474	$80

Cheapest Full Coverage Car Insurance in Lakota

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 Lakota is Nodak Mutual at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakota, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$408	$70
Nationwide	$450	$76
American Family	$486	$82
USAA	$618	$104
North Star	$696	$118
Progressive	$804	$135
State Farm	$840	$141
North Star Mutual	$936	$156
Auto-Owners	$1008	$172
Nodak	$1086	$183
Allstate	$1176	$198
Farmers	$1398	$235

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Average Car Insurance in Lakota 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 Lakota, ND increasing?

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

Car Insurance Premiums by Age in Lakota

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 Lakota,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 Lakota at $27 per month. At $5250 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	$162	$27
Nodak Mutual	$168	$28
Nationwide	$186	$31
Auto-Owners Insurance Co	$210	$35
American Family	$774	$130
USAA	$798	$134
North Star Mutual	$1236	$210
Auto-Owners	$1308	$220
North Star	$1536	$262
State Farm	$1986	$334
Progressive	$2184	$368
Nodak	$2838	$473
Farmers	$5142	$866
Allstate	$5250	$884

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 Lakota, Nationwide is the cheapest car insurance provider. At $228 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 Lakota is State Farm, offering rates of around $3828 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$228	$38
American Family	$251	$42
Nodak Mutual	$354	$61
Progressive	$1050	$177
USAA	$1110	$189
North Star Mutual	$1553	$259
Allstate	$1890	$321
Nodak	$2226	$371
Farmers	$2724	$464
Auto-Owners	$2940	$490
State Farm	$3828	$650

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Car Insurance Rates with An Accident in Lakota

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

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

The cheapest car insurance companies after an at-fault accident in Lakota include Nationwide and Nodak Mutual, offering $156 and $204, respectively. Farmers is an expensive provider with an average six-month premium of $1890.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$156	$26
Nodak Mutual	$204	$34
Auto-Owners Insurance Co	$234	$39
North Star Mutual Insurance	$264	$44
American Family	$342	$58
USAA	$444	$75
Auto-Owners	$564	$95
State Farm	$672	$113
North Star Mutual	$918	$155
Progressive	$1134	$191
North Star	$1230	$205
Nodak	$1278	$215
Allstate	$1602	$270
Farmers	$1890	$318

Lakota Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakota ND. For example, the car insurance in Lakota after a DUI increases to $840 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Lakota auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1044	$174
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1062	$177
One comp claim	$1080	$184
Two Med/PIP claims	$1080	$180
Two comp claims	$1134	$193
Failure to show documents	$1140	$190
Driving with expired registration	$1164	$198
Failure to wear a seat belt	$1170	$195
Child safety restraint	$1176	$200
Driving without lights	$1176	$196
Cell phone violation	$1200	$204
Failure to yield	$1200	$200
Following too closely	$1200	$204
Illegal turn	$1200	$200
Texting while driving	$1200	$204
Driving too slowly	$1212	$202
Failure to stop at a red light	$1212	$206
Speeding in school zone	$1212	$202
Speeding 6 - 10 MPH over limit	$1224	$208
Wrong way/wrong lane	$1230	$205
Speeding 11 - 15 MPH over limit	$1236	$210
Speeding 16 - 20 MPH over limit	$1248	$208
Speeding 21 - 25 MPH over limit	$1248	$212
Improper passing	$1259	$210
Passing school bus	$1278	$217
In 65 MPH zone	$1284	$214
Operating a vehicle without permission	$1355	$230
At-fault accident - less than $1000	$1374	$229
Open container	$1422	$241
At-fault accident - $1000-$2000	$1434	$239
At-fault accident - greater than $2000	$1434	$243
Driving with a suspended license	$1698	$283
Refusal to submit to a chemical test	$1794	$305
Reckless driving	$1806	$301
DUI	$1884	$320
Racing	$1884	$314
Leaving scene of an accident/hit and run	$1932	$328

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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 Lakota 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 Lakota.

The cheapest car insurance premiums in Lakota are offered by Nodak Mutual at $240 for a six-month policy. However, it can be as expensive as $1194 with companies like Allied.

Lakota car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$240	$40
Grinnell Mutual	$270	$45
Nationwide	$288	$48
American Family	$426	$72
Progressive	$708	$119
USAA	$792	$133
State Farm	$870	$146
Nodak	$1146	$193
Auto-Owners	$1680	$280
Farmers	$1853	$312
Allstate	$2106	$355
North Star	$2165	$369
North Star Mutual	$2669	$445
Allied	$1194	$199

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 Lakota are offered by American Family at $174. However, it can be as expensive as $2310 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lakota after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Nationwide	$186	$31
Nodak Mutual	$186	$31
Auto-Owners Insurance Co	$198	$33
State Farm	$486	$82
USAA	$786	$131
Progressive	$828	$139
Auto-Owners	$1008	$168
North Star Mutual	$1176	$200
Allstate	$1380	$230
Nodak	$1590	$271
Farmers	$2310	$385

Car Insurance Price Trends in Lakota, North Dakota

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

The average cost of full coverage in the Lakota remained steady at $192 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Lakota remained steady at $37 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 Lakota?

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

What is the cheapest car insurance in Lakota?

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

How much is car insurance in Lakota for teenagers?

Car insurance for teenagers costs $162 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 Lakota?

The average cost of car insurance is $817 for a six-month policy. It will cost around $138 per month to insure your car in Lakota.

Is car insurance expensive in Lakota?

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

What is the best car insurance in Lakota, ND?

The best car insurance company in Lakota ND is Nodak Mutual, offering $408 for a six-month policy.