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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.
The car insurance rate in Ray is $810 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Ray 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 $424 for a six month policy, Nodak Mutual offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $468 for a six-month policy, making it one of the cheapest to insure with.
USAA offers auto insurance rates at $605 for six months, making it the third cheapest auto insurance company in Ray.
Based on our research, the cheapest car insurance company in Ray, ND is Nodak Mutual, offering policies at just $424 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $468.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1292 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ray drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nodak Mutual | $424 | $72 |
| Nationwide | $468 | $79 |
| USAA | $605 | $102 |
| American Family | $717 | $121 |
| North Star | $723 | $123 |
| Progressive | $736 | $124 |
| State Farm | $848 | $143 |
| Auto-Owners | $948 | $158 |
| Nodak | $967 | $163 |
| Allstate | $1185 | $200 |
| Farmers | $1292 | $217 |
Save up to $971/yr with our auto insurance quotes
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 Ray are given below.
North Star provides the cheapest minimum car insurance coverage in Ray. Their Average 6 Month Premium is $144. Allstate is the most expensive at $499 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| North Star | $144 | $24 |
| North Star Mutual | $144 | $24 |
| USAA | $144 | $24 |
| Nationwide | $162 | $27 |
| Nodak Mutual | $162 | $27 |
| North Star Mutual Insurance | $162 | $27 |
| Auto-Owners Insurance Co | $174 | $29 |
| Nodak | $200 | $34 |
| Auto-Owners | $206 | $35 |
| Progressive | $212 | $36 |
| State Farm | $212 | $36 |
| American Family | $268 | $45 |
| Farmers | $480 | $81 |
| Allstate | $499 | $84 |
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 Ray is Nodak Mutual at $72 per month and $424 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nodak Mutual | $424 | $72 |
| Nationwide | $468 | $79 |
| USAA | $605 | $102 |
| American Family | $717 | $121 |
| North Star | $723 | $123 |
| Progressive | $736 | $124 |
| State Farm | $848 | $143 |
| Auto-Owners | $948 | $158 |
| Nodak | $967 | $163 |
| Allstate | $1185 | $200 |
| Farmers | $1292 | $217 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Ray, 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, Ray's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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 Ray at $28 per month. At $5251 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 | $168 | $28 |
| Nodak Mutual | $174 | $29 |
| Nationwide | $193 | $33 |
| Auto-Owners Insurance Co | $218 | $37 |
| USAA | $749 | $126 |
| American Family | $1285 | $216 |
| Auto-Owners | $1316 | $222 |
| North Star | $1597 | $266 |
| Progressive | $1971 | $332 |
| State Farm | $2002 | $337 |
| Nodak | $2308 | $393 |
| Farmers | $4828 | $813 |
| Allstate | $5251 | $884 |
Teen Car Insurance Rates in ND by Age
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.
For those with poor credit scores in Ray, Nationwide is the cheapest car insurance provider. At $237 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 Ray is State Farm, offering rates of around $2919 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $237 | $40 |
| Nodak Mutual | $368 | $63 |
| Progressive | $836 | $141 |
| American Family | $1010 | $170 |
| USAA | $1035 | $172 |
| Nodak | $1803 | $307 |
| Allstate | $1846 | $308 |
| Farmers | $2321 | $395 |
| Auto-Owners | $2819 | $469 |
| State Farm | $2919 | $497 |
Save up to $971/yr on car insurance rates in Ray.
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 Ray, ND, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Ray include Nationwide and Nodak Mutual, offering $162 and $212, respectively. Farmers is an expensive provider with an average six-month premium of $1746.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $162 | $27 |
| Nodak Mutual | $212 | $36 |
| Auto-Owners Insurance Co | $244 | $41 |
| North Star Mutual | $244 | $41 |
| North Star Mutual Insurance | $274 | $46 |
| USAA | $424 | $71 |
| American Family | $549 | $92 |
| Auto-Owners | $549 | $92 |
| State Farm | $679 | $114 |
| Progressive | $1023 | $172 |
| Nodak | $1054 | $177 |
| North Star | $1279 | $217 |
| Allstate | $1610 | $271 |
| Farmers | $1746 | $294 |
Here is a list of driving violations that can increase your car insurance rates in Ray ND. For example, the car insurance in Ray after a DUI increases to $872 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1086 | $181 |
| One Med/PIP claim | $1086 | $185 |
| Not-at-fault accident | $1104 | $184 |
| One comp claim | $1122 | $191 |
| Two Med/PIP claims | $1122 | $187 |
| Two comp claims | $1179 | $201 |
| Failure to show documents | $1185 | $197 |
| Driving with expired registration | $1210 | $206 |
| Failure to wear a seat belt | $1216 | $203 |
| Child safety restraint | $1222 | $208 |
| Driving without lights | $1222 | $204 |
| Cell phone violation | $1247 | $212 |
| Failure to yield | $1247 | $208 |
| Following too closely | $1247 | $212 |
| Illegal turn | $1247 | $208 |
| Texting while driving | $1247 | $212 |
| Driving too slowly | $1260 | $210 |
| Failure to stop at a red light | $1260 | $214 |
| Speeding in school zone | $1260 | $210 |
| Speeding 6 - 10 MPH over limit | $1273 | $216 |
| Wrong way/wrong lane | $1279 | $213 |
| Speeding 11 - 15 MPH over limit | $1285 | $218 |
| Speeding 16 - 20 MPH over limit | $1298 | $216 |
| Speeding 21 - 25 MPH over limit | $1298 | $221 |
| Improper passing | $1309 | $218 |
| Passing school bus | $1328 | $226 |
| In 65 MPH zone | $1335 | $223 |
| Operating a vehicle without permission | $1409 | $239 |
| At-fault accident - less than $1000 | $1428 | $238 |
| Open container | $1478 | $251 |
| At-fault accident - $1000-$2000 | $1491 | $249 |
| At-fault accident - greater than $2000 | $1491 | $253 |
| Driving with a suspended license | $1765 | $294 |
| Refusal to submit to a chemical test | $1865 | $317 |
| Reckless driving | $1877 | $313 |
| DUI | $1958 | $333 |
| Racing | $1958 | $327 |
| Leaving scene of an accident/hit and run | $2009 | $341 |
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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.
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 Ray.
The cheapest car insurance premiums in Ray are offered by Nodak Mutual at $250 for a six-month policy. However, it can be as expensive as $2108 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nodak Mutual | $250 | $42 |
| Grinnell Mutual | $280 | $47 |
| Nationwide | $299 | $50 |
| Progressive | $649 | $109 |
| American Family | $705 | $119 |
| USAA | $749 | $126 |
| State Farm | $874 | $147 |
| Nodak | $961 | $162 |
| Allied | $1241 | $207 |
| Auto-Owners | $1603 | $273 |
| Farmers | $1709 | $288 |
| Allstate | $2108 | $355 |
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 Ray are offered by Nationwide at $193. However, it can be as expensive as $2707 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $193 | $33 |
| Nodak Mutual | $193 | $33 |
| Auto-Owners Insurance Co | $206 | $35 |
| American Family | $492 | $83 |
| State Farm | $492 | $83 |
| USAA | $580 | $99 |
| Progressive | $711 | $120 |
| Auto-Owners | $874 | $148 |
| Nodak | $948 | $158 |
| Farmers | $2682 | $456 |
| Allstate | $2707 | $452 |
Car insurance rates in Ray have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ray rose by $185 in December compared to $184 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 Ray remained steady at $39 in both December and November, indicating no change over the two month period.
How much is car insurance in Ray?
The car insurance in Ray is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Ray?
The cheapest car insurance in Ray is $72 per month for full coverage.
How much is car insurance in Ray for teenagers?
Car insurance for teenagers costs $168 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 Ray?
The average cost of car insurance is $771 for a six-month policy. It will cost around $135 per month to insure your car in Ray.
Is car insurance expensive in Ray?
Car insurance can be expensive in Ray if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ray can be affordable.
What is the best car insurance in Ray, ND?
The best car insurance company in Ray ND is Nodak Mutual, offering $424 for a six-month policy.
Cut auto insurance costs in Ray right now.