Cheapest Car Insurance Quotes in Luverne

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Luverne Car Insurance

^$ 22

/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 Luverne

The car insurance rate in Luverne is $732 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, making it a popular choice for budget-conscious drivers. Rates in Luverne 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 Luverne

$732

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Luverne

1st place: Nodak Mutual

At $384 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 $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $547 for six months, making it the third cheapest auto insurance company in Luverne.

Luverne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Luverne, ND is Nodak Mutual, offering policies at just $384 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $424.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1169 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luverne drivers find the best deals.

Cheap Car Insurance Companies in Luverne, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$384	$66
Nationwide	$424	$71
USAA	$547	$92
American Family	$649	$109
North Star	$655	$111
Progressive	$666	$112
State Farm	$768	$129
Auto-Owners	$858	$143
Nodak	$875	$147
Allstate	$1073	$181
Farmers	$1169	$197

Key Takeaways

Way's key takeaways about car insurance in Luverne

The auto insurance costs in Luverne fall around $384 for six months.
The cheapest auto insurance company in Luverne is North Star.
Teen drivers pay the highest rate in Luverne at $800 per month.

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Cheapest Minimum Liability Car Insurance in Luverne

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 Luverne are given below.

North Star provides the cheapest minimum car insurance coverage in Luverne. Their Average 6 Month Premium is $130. Allstate is the most expensive at $451 for the same period.

Cheapest Liability Coverage in Luverne, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$130	$22
North Star Mutual	$130	$22
USAA	$130	$22
Nationwide	$146	$25
Nodak Mutual	$146	$25
North Star Mutual Insurance	$146	$25
Auto-Owners Insurance Co	$158	$27
Nodak	$181	$30
Auto-Owners	$186	$31
Progressive	$192	$32
State Farm	$192	$32
American Family	$242	$41
Farmers	$434	$73
Allstate	$451	$76

Cheapest Full Coverage Car Insurance in Luverne

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 Luverne is Nodak Mutual at $66 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Luverne, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$384	$66
Nationwide	$424	$71
USAA	$547	$92
American Family	$649	$109
North Star	$655	$111
Progressive	$666	$112
State Farm	$768	$129
Auto-Owners	$858	$143
Nodak	$875	$147
Allstate	$1073	$181
Farmers	$1169	$197

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Average Car Insurance in Luverne 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 Luverne, ND increasing?

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

Car Insurance Premiums by Age in Luverne

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 Luverne,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 Luverne at $26 per month. At $4751 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	$152	$26
Nodak Mutual	$158	$27
Nationwide	$175	$29
Auto-Owners Insurance Co	$198	$33
USAA	$677	$114
American Family	$1163	$196
Auto-Owners	$1190	$200
North Star	$1445	$240
Progressive	$1783	$300
State Farm	$1812	$305
Nodak	$2088	$355
Farmers	$4368	$735
Allstate	$4751	$800

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 Luverne, Nationwide is the cheapest car insurance provider. At $215 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 Luverne is State Farm, offering rates of around $2641 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$215	$36
Nodak Mutual	$333	$57
Progressive	$756	$127
American Family	$914	$154
USAA	$937	$156
Nodak	$1631	$277
Allstate	$1670	$278
Farmers	$2100	$357
Auto-Owners	$2551	$425
State Farm	$2641	$449

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Car Insurance Rates with An Accident in Luverne

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

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

The cheapest car insurance companies after an at-fault accident in Luverne include Nationwide and Nodak Mutual, offering $146 and $192, respectively. Farmers is an expensive provider with an average six-month premium of $1580.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$146	$25
Nodak Mutual	$192	$32
Auto-Owners Insurance Co	$220	$37
North Star Mutual	$220	$37
North Star Mutual Insurance	$248	$42
USAA	$384	$65
American Family	$497	$84
Auto-Owners	$497	$84
State Farm	$615	$104
Progressive	$925	$156
Nodak	$954	$161
North Star	$1157	$197
Allstate	$1456	$245
Farmers	$1580	$266

Luverne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Luverne ND. For example, the car insurance in Luverne after a DUI increases to $790 for a six month policy. While the rate increases by $169 for a six-month policy in the case of a speeding ticket.

Luverne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$982	$163
One Med/PIP claim	$982	$167
Not-at-fault accident	$998	$166
One comp claim	$1016	$173
Two Med/PIP claims	$1016	$169
Two comp claims	$1067	$181
Failure to show documents	$1073	$179
Driving with expired registration	$1094	$186
Failure to wear a seat belt	$1100	$183
Child safety restraint	$1106	$188
Driving without lights	$1106	$184
Cell phone violation	$1129	$192
Failure to yield	$1129	$188
Following too closely	$1129	$192
Illegal turn	$1129	$188
Texting while driving	$1129	$192
Driving too slowly	$1140	$190
Failure to stop at a red light	$1140	$194
Speeding in school zone	$1140	$190
Speeding 6 - 10 MPH over limit	$1151	$196
Wrong way/wrong lane	$1157	$193
Speeding 11 - 15 MPH over limit	$1163	$198
Speeding 16 - 20 MPH over limit	$1174	$196
Speeding 21 - 25 MPH over limit	$1174	$200
Improper passing	$1185	$198
Passing school bus	$1202	$204
In 65 MPH zone	$1207	$201
Operating a vehicle without permission	$1275	$217
At-fault accident - less than $1000	$1292	$216
Open container	$1338	$227
At-fault accident - $1000-$2000	$1349	$225
At-fault accident - greater than $2000	$1349	$229
Driving with a suspended license	$1597	$266
Refusal to submit to a chemical test	$1687	$287
Reckless driving	$1699	$283
DUI	$1772	$301
Racing	$1772	$295
Leaving scene of an accident/hit and run	$1817	$309

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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 Luverne 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 Luverne.

The cheapest car insurance premiums in Luverne are offered by Nodak Mutual at $226 for a six-month policy. However, it can be as expensive as $1908 with companies like Allstate.

Luverne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$226	$38
Grinnell Mutual	$254	$43
Nationwide	$271	$46
Progressive	$587	$99
American Family	$637	$107
USAA	$677	$114
State Farm	$790	$133
Nodak	$869	$146
Allied	$1123	$187
Auto-Owners	$1451	$247
Farmers	$1547	$260
Allstate	$1908	$321

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 Luverne are offered by Nationwide at $175. However, it can be as expensive as $2449 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Luverne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$175	$29
Nodak Mutual	$175	$29
Auto-Owners Insurance Co	$186	$31
American Family	$446	$75
State Farm	$446	$75
USAA	$524	$89
Progressive	$643	$108
Auto-Owners	$790	$134
Nodak	$858	$143
Farmers	$2426	$412
Allstate	$2449	$409

Car Insurance Price Trends in Luverne, North Dakota

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

The average cost of full coverage in the Luverne rose by $167 in December compared to $166 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 Luverne remained steady at $35 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 Luverne?

The car insurance in Luverne is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Luverne?

The cheapest car insurance in Luverne is $66 per month for full coverage.

How much is car insurance in Luverne for teenagers?

Car insurance for teenagers costs $152 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 Luverne?

The average cost of car insurance is $771 for a six-month policy. It will cost around $123 per month to insure your car in Luverne.

Is car insurance expensive in Luverne?

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

What is the best car insurance in Luverne, ND?

The best car insurance company in Luverne ND is Nodak Mutual, offering $384 for a six-month policy.