Cheapest Car Insurance Quotes in Mohall

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Mohall 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 Mohall

The car insurance rate in Mohall is $833 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Mohall 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 Mohall

$833

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Mohall

1st place: Nodak Mutual

At $436 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 $482 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $622 for six months, making it the third cheapest auto insurance company in Mohall.

Mohall Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mohall, ND is Nodak Mutual, offering policies at just $436 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $482.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1328 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mohall drivers find the best deals.

Cheap Car Insurance Companies in Mohall, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$436	$75
Nationwide	$482	$81
USAA	$622	$105
American Family	$738	$124
North Star	$744	$126
Progressive	$757	$127
State Farm	$873	$147
Auto-Owners	$975	$162
Nodak	$995	$167
Allstate	$1219	$205
Farmers	$1328	$224

Key Takeaways

Way's key takeaways about car insurance in Mohall

The auto insurance costs in Mohall fall around $436 for six months.
The cheapest auto insurance company in Mohall is North Star.
Teen drivers pay the highest rate in Mohall at $909 per month.

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Cheapest Minimum Liability Car Insurance in Mohall

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 Mohall are given below.

North Star provides the cheapest minimum car insurance coverage in Mohall. Their Average 6 Month Premium is $148. Allstate is the most expensive at $513 for the same period.

Cheapest Liability Coverage in Mohall, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$148	$25
North Star Mutual	$148	$25
USAA	$148	$25
Nationwide	$166	$28
Nodak Mutual	$166	$28
North Star Mutual Insurance	$166	$28
Auto-Owners Insurance Co	$179	$30
Nodak	$205	$35
Auto-Owners	$212	$36
Progressive	$218	$37
State Farm	$218	$37
American Family	$275	$46
Farmers	$494	$83
Allstate	$513	$86

Cheapest Full Coverage Car Insurance in Mohall

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 Mohall is Nodak Mutual at $75 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mohall, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$436	$75
Nationwide	$482	$81
USAA	$622	$105
American Family	$738	$124
North Star	$744	$126
Progressive	$757	$127
State Farm	$873	$147
Auto-Owners	$975	$162
Nodak	$995	$167
Allstate	$1219	$205
Farmers	$1328	$224

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Average Car Insurance in Mohall 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 Mohall, ND increasing?

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

Car Insurance Premiums by Age in Mohall

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 Mohall,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 Mohall at $29 per month. At $5401 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	$173	$29
Nodak Mutual	$179	$30
Nationwide	$199	$33
Auto-Owners Insurance Co	$225	$38
USAA	$770	$130
American Family	$1322	$222
Auto-Owners	$1353	$228
North Star	$1643	$273
Progressive	$2027	$341
State Farm	$2060	$347
Nodak	$2374	$404
Farmers	$4966	$836
Allstate	$5401	$909

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 Mohall, Nationwide is the cheapest car insurance provider. At $244 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 Mohall is State Farm, offering rates of around $3002 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$244	$41
Nodak Mutual	$378	$65
Progressive	$860	$145
American Family	$1039	$175
USAA	$1065	$177
Nodak	$1854	$315
Allstate	$1899	$316
Farmers	$2387	$406
Auto-Owners	$2900	$483
State Farm	$3002	$511

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Car Insurance Rates with An Accident in Mohall

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

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

The cheapest car insurance companies after an at-fault accident in Mohall include Nationwide and Nodak Mutual, offering $166 and $218, respectively. Farmers is an expensive provider with an average six-month premium of $1796.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$166	$28
Nodak Mutual	$218	$37
Auto-Owners Insurance Co	$251	$42
North Star Mutual	$251	$42
North Star Mutual Insurance	$282	$48
USAA	$436	$73
American Family	$565	$95
Auto-Owners	$565	$95
State Farm	$699	$118
Progressive	$1052	$177
Nodak	$1084	$183
North Star	$1315	$224
Allstate	$1656	$279
Farmers	$1796	$302

Mohall Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mohall ND. For example, the car insurance in Mohall after a DUI increases to $897 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Mohall auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1117	$186
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1135	$189
One comp claim	$1155	$197
Two Med/PIP claims	$1155	$192
Two comp claims	$1213	$206
Failure to show documents	$1219	$203
Driving with expired registration	$1244	$212
Failure to wear a seat belt	$1251	$208
Child safety restraint	$1257	$214
Driving without lights	$1257	$210
Cell phone violation	$1283	$218
Failure to yield	$1283	$214
Following too closely	$1283	$218
Illegal turn	$1283	$214
Texting while driving	$1283	$218
Driving too slowly	$1296	$216
Failure to stop at a red light	$1296	$220
Speeding in school zone	$1296	$216
Speeding 6 - 10 MPH over limit	$1309	$222
Wrong way/wrong lane	$1315	$219
Speeding 11 - 15 MPH over limit	$1322	$225
Speeding 16 - 20 MPH over limit	$1335	$222
Speeding 21 - 25 MPH over limit	$1335	$227
Improper passing	$1347	$225
Passing school bus	$1366	$232
In 65 MPH zone	$1373	$229
Operating a vehicle without permission	$1449	$246
At-fault accident - less than $1000	$1469	$245
Open container	$1521	$258
At-fault accident - $1000-$2000	$1534	$256
At-fault accident - greater than $2000	$1534	$260
Driving with a suspended license	$1815	$302
Refusal to submit to a chemical test	$1918	$326
Reckless driving	$1931	$322
DUI	$2014	$342
Racing	$2014	$336
Leaving scene of an accident/hit and run	$2066	$351

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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 Mohall 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 Mohall.

The cheapest car insurance premiums in Mohall are offered by Nodak Mutual at $257 for a six-month policy. However, it can be as expensive as $2169 with companies like Allstate.

Mohall car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$257	$43
Grinnell Mutual	$288	$49
Nationwide	$308	$52
Progressive	$667	$112
American Family	$725	$122
USAA	$770	$130
State Farm	$899	$151
Nodak	$988	$166
Allied	$1277	$213
Auto-Owners	$1649	$281
Farmers	$1758	$296
Allstate	$2169	$365

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 Mohall are offered by Nationwide at $199. However, it can be as expensive as $2784 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mohall after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$199	$33
Nodak Mutual	$199	$33
Auto-Owners Insurance Co	$212	$36
American Family	$507	$85
State Farm	$507	$85
USAA	$596	$102
Progressive	$731	$123
Auto-Owners	$899	$152
Nodak	$975	$162
Farmers	$2758	$469
Allstate	$2784	$464

Car Insurance Price Trends in Mohall, North Dakota

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

The average cost of full coverage in the Mohall rose by $190 in December compared to $189 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 Mohall 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 Mohall?

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

What is the cheapest car insurance in Mohall?

The cheapest car insurance in Mohall is $75 per month for full coverage.

How much is car insurance in Mohall for teenagers?

Car insurance for teenagers costs $173 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 Mohall?

The average cost of car insurance is $771 for a six-month policy. It will cost around $139 per month to insure your car in Mohall.

Is car insurance expensive in Mohall?

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

What is the best car insurance in Mohall, ND?

The best car insurance company in Mohall ND is Nodak Mutual, offering $436 for a six-month policy.