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Finding the cheapest car insurance quotes in Moffit 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 Moffit
The car insurance rate in Moffit 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 Moffit 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 $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 Moffit.
Moffit Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Moffit, 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 Moffit drivers find the best deals.
The auto insurance costs in Moffit fall around $404 for six
months.
The cheapest auto insurance company in Moffit is North Star.
Teen drivers pay the highest rate in Moffit at $842 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 Moffit
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 Moffit are given below.
North Star provides
the cheapest minimum car insurance
coverage in Moffit. Their Average 6 Month Premium is $137.
Allstate is the most
expensive at $475 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 Moffit is Nodak Mutual
at $69 per month and $404
for six months.
Cheapest Full Coverage Car Insurance Quotes in Moffit,
ND
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 Moffit, ND increasing?
Despite maintaining a clean driving record, your car insurance rates
in Moffit, 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, Moffit's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Moffit
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
Moffit,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 Moffit at $27
per
month. At $5001 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 Moffit.
As young drivers face the highest rates in Moffit, 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 Moffit,
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
Moffit is State Farm, offering
rates of around $2780 for six
months.
Save up to $971/yr on car insurance rates in Moffit.
Car Insurance Rates with An Accident in Moffit
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 Moffit, ND,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Moffit
The cheapest car insurance companies after an at-fault accident in
Moffit include Nationwide
and Nodak Mutual, offering $154
and $202,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1663.
Here is a list of driving violations that can increase your car
insurance rates in Moffit ND. For example, the car
insurance in Moffit
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.
Moffit 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 Moffit 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 Moffit.
The cheapest car insurance premiums in
Moffit are
offered by Nodak Mutual at $238 for a six-month policy.
However, it can be as
expensive as $2008 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 Moffit 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 Moffit after Speeding ticket
Car Insurance Price Trends in Moffit,
North Dakota
Car insurance rates in Moffit have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Moffit 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 Moffit remained steady at $37 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Moffit. At $1542 for a
six-month policy, insuring
your car at 58560 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 Moffit?
The car insurance in Moffit is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Moffit?
The cheapest car insurance in Moffit
is $69 per month
for full coverage.
How much is car insurance in Moffit 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
Moffit?
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 Moffit.
Is car insurance expensive in Moffit?
Car insurance can be expensive in Moffit if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Moffit can be
affordable.
What is the best car insurance in Moffit,
ND?
The best car insurance company in Moffit
ND is
Nodak Mutual, offering $404 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Moffit, ND
Car Insurance Rates by State in the USA (2025 Update)
Moffit Car Insurance
