Cheapest Car Insurance Quotes in McHenry

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McHenry 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 McHenry

The car insurance rate in McHenry is $771 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in McHenry 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 McHenry

$771

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in McHenry

1st place: Nodak Mutual

At $404 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 $446 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in McHenry.

McHenry Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McHenry, ND is Nodak Mutual, offering policies at just $404 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $446.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1230 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McHenry drivers find the best deals.

Cheap Car Insurance Companies in McHenry, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$404	$69
Nationwide	$446	$75
USAA	$576	$97
American Family	$683	$115
North Star	$689	$117
Progressive	$701	$118
State Farm	$808	$136
Auto-Owners	$903	$150
Nodak	$921	$155
Allstate	$1129	$190
Farmers	$1230	$207

Key Takeaways

Way's key takeaways about car insurance in McHenry

The auto insurance costs in McHenry fall around $404 for six months.
The cheapest auto insurance company in McHenry is North Star.
Teen drivers pay the highest rate in McHenry at $842 per month.

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Cheapest Minimum Liability Car Insurance in McHenry

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 McHenry are given below.

North Star provides the cheapest minimum car insurance coverage in McHenry. Their Average 6 Month Premium is $137. Allstate is the most expensive at $475 for the same period.

Cheapest Liability Coverage in McHenry, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$137	$23
North Star Mutual	$137	$23
USAA	$137	$23
Nationwide	$154	$26
Nodak Mutual	$154	$26
North Star Mutual Insurance	$154	$26
Auto-Owners Insurance Co	$166	$28
Nodak	$190	$32
Auto-Owners	$196	$33
Progressive	$202	$34
State Farm	$202	$34
American Family	$255	$43
Farmers	$457	$77
Allstate	$475	$80

Cheapest Full Coverage Car Insurance in McHenry

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 McHenry is Nodak Mutual at $69 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in McHenry, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$404	$69
Nationwide	$446	$75
USAA	$576	$97
American Family	$683	$115
North Star	$689	$117
Progressive	$701	$118
State Farm	$808	$136
Auto-Owners	$903	$150
Nodak	$921	$155
Allstate	$1129	$190
Farmers	$1230	$207

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Average Car Insurance in McHenry 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 McHenry, ND increasing?

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

Car Insurance Premiums by Age in McHenry

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 McHenry,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 McHenry at $27 per month. At $5001 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	$160	$27
Nodak Mutual	$166	$28
Nationwide	$184	$31
Auto-Owners Insurance Co	$208	$35
USAA	$713	$120
American Family	$1224	$206
Auto-Owners	$1253	$211
North Star	$1521	$253
Progressive	$1877	$316
State Farm	$1907	$321
Nodak	$2198	$374
Farmers	$4598	$774
Allstate	$5001	$842

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 McHenry, Nationwide is the cheapest car insurance provider. At $226 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 McHenry is State Farm, offering rates of around $2780 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$226	$38
Nodak Mutual	$350	$60
Progressive	$796	$134
American Family	$962	$162
USAA	$986	$164
Nodak	$1717	$292
Allstate	$1758	$293
Farmers	$2210	$376
Auto-Owners	$2685	$447
State Farm	$2780	$473

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Car Insurance Rates with An Accident in McHenry

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

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

The cheapest car insurance companies after an at-fault accident in McHenry include Nationwide and Nodak Mutual, offering $154 and $202, respectively. Farmers is an expensive provider with an average six-month premium of $1663.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$154	$26
Nodak Mutual	$202	$34
Auto-Owners Insurance Co	$232	$39
North Star Mutual	$232	$39
North Star Mutual Insurance	$261	$44
USAA	$404	$68
American Family	$523	$88
Auto-Owners	$523	$88
State Farm	$647	$109
Progressive	$974	$164
Nodak	$1004	$169
North Star	$1218	$207
Allstate	$1533	$258
Farmers	$1663	$280

McHenry Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McHenry ND. For example, the car insurance in McHenry after a DUI increases to $831 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

McHenry auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1034	$172
One Med/PIP claim	$1034	$176
Not-at-fault accident	$1051	$175
One comp claim	$1069	$182
Two Med/PIP claims	$1069	$178
Two comp claims	$1123	$191
Failure to show documents	$1129	$188
Driving with expired registration	$1152	$196
Failure to wear a seat belt	$1158	$193
Child safety restraint	$1164	$198
Driving without lights	$1164	$194
Cell phone violation	$1188	$202
Failure to yield	$1188	$198
Following too closely	$1188	$202
Illegal turn	$1188	$198
Texting while driving	$1188	$202
Driving too slowly	$1200	$200
Failure to stop at a red light	$1200	$204
Speeding in school zone	$1200	$200
Speeding 6 - 10 MPH over limit	$1212	$206
Wrong way/wrong lane	$1218	$203
Speeding 11 - 15 MPH over limit	$1224	$208
Speeding 16 - 20 MPH over limit	$1236	$206
Speeding 21 - 25 MPH over limit	$1236	$210
Improper passing	$1247	$208
Passing school bus	$1265	$215
In 65 MPH zone	$1271	$212
Operating a vehicle without permission	$1342	$228
At-fault accident - less than $1000	$1360	$227
Open container	$1408	$239
At-fault accident - $1000-$2000	$1420	$237
At-fault accident - greater than $2000	$1420	$241
Driving with a suspended license	$1681	$280
Refusal to submit to a chemical test	$1776	$302
Reckless driving	$1788	$298
DUI	$1865	$317
Racing	$1865	$311
Leaving scene of an accident/hit and run	$1913	$325

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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 McHenry 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 McHenry.

The cheapest car insurance premiums in McHenry are offered by Nodak Mutual at $238 for a six-month policy. However, it can be as expensive as $2008 with companies like Allstate.

McHenry car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$238	$40
Grinnell Mutual	$267	$45
Nationwide	$285	$48
Progressive	$618	$104
American Family	$671	$113
USAA	$713	$120
State Farm	$832	$140
Nodak	$915	$154
Allied	$1182	$197
Auto-Owners	$1527	$260
Farmers	$1628	$274
Allstate	$2008	$338

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 McHenry are offered by Nationwide at $184. However, it can be as expensive as $2578 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in McHenry after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$184	$31
Nodak Mutual	$184	$31
Auto-Owners Insurance Co	$196	$33
American Family	$469	$79
State Farm	$469	$79
USAA	$552	$94
Progressive	$677	$114
Auto-Owners	$832	$141
Nodak	$903	$150
Farmers	$2554	$434
Allstate	$2578	$430

Car Insurance Price Trends in McHenry, North Dakota

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

The average cost of full coverage in the McHenry rose by $176 in December compared to $175 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 McHenry remained steady at $37 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 McHenry?

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

What is the cheapest car insurance in McHenry?

The cheapest car insurance in McHenry is $69 per month for full coverage.

How much is car insurance in McHenry for teenagers?

Car insurance for teenagers costs $160 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 McHenry?

The average cost of car insurance is $771 for a six-month policy. It will cost around $129 per month to insure your car in McHenry.

Is car insurance expensive in McHenry?

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

What is the best car insurance in McHenry, ND?

The best car insurance company in McHenry ND is Nodak Mutual, offering $404 for a six-month policy.