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Finding the cheapest car insurance quotes in Mekinock shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mekinock
The car insurance rate in Mekinock is $686 for a six-month policy, which is $85 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, making it a popular choice for budget-conscious drivers. Rates in Mekinock 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.
At $360 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 $397 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $513
for six months, making it
the third cheapest auto insurance company in Mekinock.
Mekinock Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mekinock, ND is Nodak Mutual, offering policies at just $360 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $397.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1095 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mekinock drivers find the best deals.
Way's key takeaways about car insurance in Mekinock
The auto insurance costs in Mekinock fall around $360 for six
months.
The cheapest auto insurance company in Mekinock is North Star.
Teen drivers pay the highest rate in Mekinock at $749 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mekinock
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 Mekinock are given below.
North Star provides
the cheapest minimum car insurance
coverage in Mekinock. Their Average 6 Month Premium is $122.
Allstate is the most
expensive at $423 for the same
period.
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 Mekinock is Nodak Mutual
at $61 per month and $360
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mekinock,
ND
Get Your Car Insurance Quote in Mekinock
Instantly!
Average Car Insurance in Mekinock 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 Mekinock, ND increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mekinock, 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, Mekinock's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mekinock
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Mekinock,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 Mekinock at $24
per
month. At $4451 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Mekinock.
As young drivers face the highest rates in Mekinock, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Mekinock,
Nationwide is
the cheapest car insurance provider. At $201 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
Mekinock is State Farm, offering
rates of around $2474 for six
months.
Save up to $971/yr on car insurance rates in Mekinock.
Car Insurance Rates with An Accident in Mekinock
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 Mekinock, ND,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mekinock
The cheapest car insurance companies after an at-fault accident in
Mekinock include Nationwide
and Nodak Mutual, offering $137
and $180,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1480.
Here is a list of driving violations that can increase your car
insurance rates in Mekinock ND. For example, the car
insurance in Mekinock
after a DUI increases to $740 for a six
month policy. While the rate increases by $159 for a six-month policy in the case of
a speeding ticket.
Mekinock auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$920
$153
One Med/PIP claim
$920
$157
Not-at-fault accident
$935
$156
One comp claim
$951
$162
Two Med/PIP claims
$951
$158
Two comp claims
$999
$170
Failure to show documents
$1005
$167
Driving with expired registration
$1025
$174
Failure to wear a seat belt
$1031
$172
Child safety restraint
$1036
$176
Driving without lights
$1036
$173
Cell phone violation
$1057
$180
Failure to yield
$1057
$176
Following too closely
$1057
$180
Illegal turn
$1057
$176
Texting while driving
$1057
$180
Driving too slowly
$1068
$178
Failure to stop at a red light
$1068
$182
Speeding in school zone
$1068
$178
Speeding 6 - 10 MPH over limit
$1079
$183
Wrong way/wrong lane
$1084
$181
Speeding 11 - 15 MPH over limit
$1089
$185
Speeding 16 - 20 MPH over limit
$1100
$183
Speeding 21 - 25 MPH over limit
$1100
$187
Improper passing
$1110
$185
Passing school bus
$1126
$191
In 65 MPH zone
$1131
$189
Operating a vehicle without permission
$1194
$203
At-fault accident - less than $1000
$1210
$202
Open container
$1253
$213
At-fault accident - $1000-$2000
$1264
$211
At-fault accident - greater than $2000
$1264
$214
Driving with a suspended license
$1496
$249
Refusal to submit to a chemical test
$1581
$269
Reckless driving
$1591
$265
DUI
$1660
$282
Racing
$1660
$277
Leaving scene of an accident/hit and run
$1703
$289
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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 Mekinock 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 Mekinock.
The cheapest car insurance premiums in
Mekinock are
offered by Nodak Mutual at $212 for a six-month policy.
However, it can be as
expensive as $1787 with companies
like Allstate.
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 Mekinock are offered by Nationwide
at $164. However,
it can be as expensive as $2294
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Mekinock after Speeding ticket
Car Insurance Price Trends in Mekinock,
North Dakota
Car insurance rates in Mekinock have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mekinock rose by
$157 in December
compared to $156 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 Mekinock remained steady at $33 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Mekinock by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mekinock. At $1372 for a
six-month policy, insuring
your car at 58258 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mekinock?
The car insurance in Mekinock is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Mekinock?
The cheapest car insurance in Mekinock
is $61 per month
for full coverage.
How much is car insurance in Mekinock for teenagers?
Car insurance for teenagers costs $142 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
Mekinock?
The average cost of car insurance is $771 for a six-month
policy. It will cost around $115 per month to insure your
car in Mekinock.
Is car insurance expensive in Mekinock?
Car insurance can be expensive in Mekinock if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mekinock can be
affordable.
What is the best car insurance in Mekinock,
ND?
The best car insurance company in Mekinock
ND is
Nodak Mutual, offering $360 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mekinock, ND
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Mekinock Car Insurance
