Cheapest Car Insurance Quotes in Lignite

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Lignite Car Insurance

^$ 25

/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 Lignite

The car insurance rate in Lignite is $825 for a six-month policy, which is $54 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Lignite 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 Lignite

$825

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Lignite

1st place: Nodak Mutual

At $432 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 $477 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $616 for six months, making it the third cheapest auto insurance company in Lignite.

Lignite Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lignite, ND is Nodak Mutual, offering policies at just $432 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $477.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1316 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lignite drivers find the best deals.

Cheap Car Insurance Companies in Lignite, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$432	$74
Nationwide	$477	$80
USAA	$616	$104
American Family	$731	$123
North Star	$737	$125
Progressive	$750	$126
State Farm	$865	$146
Auto-Owners	$966	$161
Nodak	$985	$166
Allstate	$1208	$203
Farmers	$1316	$221

Key Takeaways

Way's key takeaways about car insurance in Lignite

The auto insurance costs in Lignite fall around $432 for six months.
The cheapest auto insurance company in Lignite is North Star.
Teen drivers pay the highest rate in Lignite at $901 per month.

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Cheapest Minimum Liability Car Insurance in Lignite

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 Lignite are given below.

North Star provides the cheapest minimum car insurance coverage in Lignite. Their Average 6 Month Premium is $147. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Lignite, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$147	$25
North Star Mutual	$147	$25
USAA	$147	$25
Nationwide	$165	$28
Nodak Mutual	$165	$28
North Star Mutual Insurance	$165	$28
Auto-Owners Insurance Co	$178	$30
Nodak	$203	$34
Auto-Owners	$210	$35
Progressive	$216	$36
State Farm	$216	$36
American Family	$273	$46
Farmers	$489	$82
Allstate	$508	$86

Cheapest Full Coverage Car Insurance in Lignite

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 Lignite is Nodak Mutual at $74 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lignite, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$432	$74
Nationwide	$477	$80
USAA	$616	$104
American Family	$731	$123
North Star	$737	$125
Progressive	$750	$126
State Farm	$865	$146
Auto-Owners	$966	$161
Nodak	$985	$166
Allstate	$1208	$203
Farmers	$1316	$221

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Average Car Insurance in Lignite 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 Lignite, ND increasing?

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

Car Insurance Premiums by Age in Lignite

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 Lignite,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 Lignite at $29 per month. At $5351 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	$171	$29
Nodak Mutual	$178	$30
Nationwide	$197	$33
Auto-Owners Insurance Co	$223	$37
USAA	$763	$128
American Family	$1310	$220
Auto-Owners	$1341	$226
North Star	$1627	$271
Progressive	$2008	$338
State Farm	$2040	$343
Nodak	$2352	$400
Farmers	$4920	$828
Allstate	$5351	$901

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 Lignite, Nationwide is the cheapest car insurance provider. At $242 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 Lignite is State Farm, offering rates of around $2975 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$242	$41
Nodak Mutual	$375	$64
Progressive	$852	$143
American Family	$1029	$173
USAA	$1055	$175
Nodak	$1837	$312
Allstate	$1881	$314
Farmers	$2365	$402
Auto-Owners	$2873	$478
State Farm	$2975	$506

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Car Insurance Rates with An Accident in Lignite

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

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

The cheapest car insurance companies after an at-fault accident in Lignite include Nationwide and Nodak Mutual, offering $165 and $216, respectively. Farmers is an expensive provider with an average six-month premium of $1779.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$165	$28
Nodak Mutual	$216	$36
Auto-Owners Insurance Co	$248	$42
North Star Mutual	$248	$42
North Star Mutual Insurance	$279	$47
USAA	$432	$73
American Family	$560	$94
Auto-Owners	$560	$94
State Farm	$692	$117
Progressive	$1042	$175
Nodak	$1074	$181
North Star	$1303	$221
Allstate	$1640	$276
Farmers	$1779	$300

Lignite Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lignite ND. For example, the car insurance in Lignite after a DUI increases to $890 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

Lignite auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1106	$184
One Med/PIP claim	$1106	$188
Not-at-fault accident	$1125	$187
One comp claim	$1144	$195
Two Med/PIP claims	$1144	$190
Two comp claims	$1202	$204
Failure to show documents	$1208	$201
Driving with expired registration	$1233	$210
Failure to wear a seat belt	$1239	$207
Child safety restraint	$1245	$212
Driving without lights	$1245	$208
Cell phone violation	$1271	$216
Failure to yield	$1271	$212
Following too closely	$1271	$216
Illegal turn	$1271	$212
Texting while driving	$1271	$216
Driving too slowly	$1284	$214
Failure to stop at a red light	$1284	$218
Speeding in school zone	$1284	$214
Speeding 6 - 10 MPH over limit	$1297	$220
Wrong way/wrong lane	$1303	$217
Speeding 11 - 15 MPH over limit	$1310	$223
Speeding 16 - 20 MPH over limit	$1323	$220
Speeding 21 - 25 MPH over limit	$1323	$225
Improper passing	$1334	$223
Passing school bus	$1354	$230
In 65 MPH zone	$1360	$227
Operating a vehicle without permission	$1436	$244
At-fault accident - less than $1000	$1455	$243
Open container	$1507	$256
At-fault accident - $1000-$2000	$1519	$254
At-fault accident - greater than $2000	$1519	$258
Driving with a suspended license	$1799	$300
Refusal to submit to a chemical test	$1900	$323
Reckless driving	$1913	$319
DUI	$1996	$339
Racing	$1996	$333
Leaving scene of an accident/hit and run	$2047	$348

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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 Lignite 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 Lignite.

The cheapest car insurance premiums in Lignite are offered by Nodak Mutual at $255 for a six-month policy. However, it can be as expensive as $2149 with companies like Allstate.

Lignite car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$255	$43
Grinnell Mutual	$286	$48
Nationwide	$305	$51
Progressive	$661	$111
American Family	$718	$121
USAA	$763	$128
State Farm	$890	$150
Nodak	$979	$165
Allied	$1265	$211
Auto-Owners	$1634	$278
Farmers	$1742	$293
Allstate	$2149	$362

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 Lignite are offered by Nationwide at $197. However, it can be as expensive as $2758 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lignite after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$197	$33
Nodak Mutual	$197	$33
Auto-Owners Insurance Co	$210	$35
American Family	$502	$85
State Farm	$502	$85
USAA	$591	$101
Progressive	$724	$122
Auto-Owners	$890	$151
Nodak	$966	$161
Farmers	$2733	$464
Allstate	$2758	$460

Car Insurance Price Trends in Lignite, North Dakota

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

The average cost of full coverage in the Lignite rose by $188 in December compared to $187 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 Lignite remained steady at $40 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 Lignite?

The car insurance in Lignite is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Lignite?

The cheapest car insurance in Lignite is $74 per month for full coverage.

How much is car insurance in Lignite for teenagers?

Car insurance for teenagers costs $171 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 Lignite?

The average cost of car insurance is $771 for a six-month policy. It will cost around $138 per month to insure your car in Lignite.

Is car insurance expensive in Lignite?

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

What is the best car insurance in Lignite, ND?

The best car insurance company in Lignite ND is Nodak Mutual, offering $432 for a six-month policy.