Cheapest Car Insurance Quotes in Robinson

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408,850 Policies Sold

Robinson 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 Robinson

The car insurance rate in Robinson is $833 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Robinson 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 Robinson

$833

Avg. Car Insurance in North Dakota

$817

National Average

$1278

Cheapest Car Insurance Companies in Robinson

1st place: Nodak Mutual

At $412 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 $455 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $491 for six months, making it the third cheapest auto insurance company in Robinson.

Robinson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Robinson, ND is Nodak Mutual, offering policies at just $412 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $455.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1412 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Robinson drivers find the best deals.

Cheap Car Insurance Companies in Robinson, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$412	$70
Nationwide	$455	$77
American Family	$491	$83
USAA	$624	$105
North Star	$703	$119
Progressive	$812	$137
State Farm	$849	$143
North Star Mutual	$946	$157
Auto-Owners	$1018	$173
Nodak	$1097	$185
Allstate	$1187	$200
Farmers	$1412	$238

Key Takeaways

Way's key takeaways about car insurance in Robinson

The auto insurance costs in Robinson fall around $412 for six months.
The cheapest auto insurance company in Robinson is North Star.
Teen drivers pay the highest rate in Robinson at $893 per month.

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Cheapest Minimum Liability Car Insurance in Robinson

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 Robinson are given below.

North Star provides the cheapest minimum car insurance coverage in Robinson. Their Average 6 Month Premium is $140. Farmers is the most expensive at $478 for the same period.

Cheapest Liability Coverage in Robinson, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$140	$23
USAA	$146	$24
Nationwide	$157	$27
Nodak Mutual	$157	$27
North Star Mutual Insurance	$157	$27
North Star Mutual	$163	$28
Auto-Owners Insurance Co	$169	$29
American Family	$200	$34
Auto-Owners	$200	$34
Nodak	$200	$34
State Farm	$212	$36
Progressive	$218	$37
Allstate	$478	$81
Farmers	$478	$81

Cheapest Full Coverage Car Insurance in Robinson

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 Robinson is Nodak Mutual at $70 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Robinson, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$412	$70
Nationwide	$455	$77
American Family	$491	$83
USAA	$624	$105
North Star	$703	$119
Progressive	$812	$137
State Farm	$849	$143
North Star Mutual	$946	$157
Auto-Owners	$1018	$173
Nodak	$1097	$185
Allstate	$1187	$200
Farmers	$1412	$238

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Average Car Insurance in Robinson 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 Robinson, ND increasing?

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

Car Insurance Premiums by Age in Robinson

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 Robinson,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 Robinson at $28 per month. At $5302 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	$163	$28
Nodak Mutual	$169	$29
Nationwide	$188	$32
Auto-Owners Insurance Co	$212	$36
American Family	$781	$132
USAA	$806	$136
North Star Mutual	$1248	$212
Auto-Owners	$1321	$222
North Star	$1551	$264
State Farm	$2005	$338
Progressive	$2205	$371
Nodak	$2866	$477
Farmers	$5193	$874
Allstate	$5302	$893

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 Robinson, Nationwide is the cheapest car insurance provider. At $231 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 Robinson is State Farm, offering rates of around $3866 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$231	$39
American Family	$254	$43
Nodak Mutual	$357	$61
Progressive	$1061	$179
USAA	$1121	$191
North Star Mutual	$1569	$261
Allstate	$1908	$324
Nodak	$2248	$374
Farmers	$2751	$468
Auto-Owners	$2969	$495
State Farm	$3866	$657

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Car Insurance Rates with An Accident in Robinson

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

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

The cheapest car insurance companies after an at-fault accident in Robinson include Nationwide and Nodak Mutual, offering $157 and $206, respectively. Farmers is an expensive provider with an average six-month premium of $1908.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$157	$27
Nodak Mutual	$206	$35
Auto-Owners Insurance Co	$237	$40
North Star Mutual Insurance	$266	$45
American Family	$346	$58
USAA	$449	$75
Auto-Owners	$569	$96
State Farm	$678	$114
North Star Mutual	$927	$156
Progressive	$1145	$193
North Star	$1242	$207
Nodak	$1290	$217
Allstate	$1618	$272
Farmers	$1908	$321

Robinson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Robinson ND. For example, the car insurance in Robinson after a DUI increases to $847 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Robinson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1055	$175
One Med/PIP claim	$1055	$180
Not-at-fault accident	$1072	$179
One comp claim	$1090	$186
Two Med/PIP claims	$1090	$182
Two comp claims	$1145	$195
Failure to show documents	$1152	$192
Driving with expired registration	$1175	$200
Failure to wear a seat belt	$1181	$197
Child safety restraint	$1187	$202
Driving without lights	$1187	$198
Cell phone violation	$1212	$206
Failure to yield	$1212	$202
Following too closely	$1212	$206
Illegal turn	$1212	$202
Texting while driving	$1212	$206
Driving too slowly	$1224	$204
Failure to stop at a red light	$1224	$208
Speeding in school zone	$1224	$204
Speeding 6 - 10 MPH over limit	$1236	$210
Wrong way/wrong lane	$1242	$207
Speeding 11 - 15 MPH over limit	$1248	$212
Speeding 16 - 20 MPH over limit	$1261	$210
Speeding 21 - 25 MPH over limit	$1261	$214
Improper passing	$1272	$212
Passing school bus	$1290	$219
In 65 MPH zone	$1296	$216
Operating a vehicle without permission	$1369	$233
At-fault accident - less than $1000	$1387	$232
Open container	$1436	$244
At-fault accident - $1000-$2000	$1448	$242
At-fault accident - greater than $2000	$1448	$246
Driving with a suspended license	$1715	$286
Refusal to submit to a chemical test	$1812	$308
Reckless driving	$1824	$304
DUI	$1902	$323
Racing	$1902	$317
Leaving scene of an accident/hit and run	$1951	$332

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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 Robinson 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 Robinson.

The cheapest car insurance premiums in Robinson are offered by Nodak Mutual at $243 for a six-month policy. However, it can be as expensive as $1206 with companies like Allied.

Robinson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$243	$41
Grinnell Mutual	$272	$46
Nationwide	$291	$49
American Family	$430	$72
Progressive	$715	$120
USAA	$800	$135
State Farm	$878	$148
Nodak	$1158	$195
Auto-Owners	$1696	$283
Farmers	$1872	$315
Allstate	$2127	$358
North Star	$2187	$372
North Star Mutual	$2696	$450
Allied	$1206	$201

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 Robinson are offered by American Family at $175. However, it can be as expensive as $2333 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Robinson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$175	$30
Nationwide	$188	$32
Nodak Mutual	$188	$32
Auto-Owners Insurance Co	$200	$34
State Farm	$491	$83
USAA	$794	$133
Progressive	$836	$141
Auto-Owners	$1018	$169
North Star Mutual	$1187	$202
Allstate	$1393	$233
Nodak	$1605	$273
Farmers	$2333	$389

Car Insurance Price Trends in Robinson, North Dakota

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

The average cost of full coverage in the Robinson remained steady at $194 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Robinson remained steady at $38 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Robinson?

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

What is the cheapest car insurance in Robinson?

The cheapest car insurance in Robinson is $70 per month for full coverage.

How much is car insurance in Robinson for teenagers?

Car insurance for teenagers costs $163 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 Robinson?

The average cost of car insurance is $817 for a six-month policy. It will cost around $140 per month to insure your car in Robinson.

Is car insurance expensive in Robinson?

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

What is the best car insurance in Robinson, ND?

The best car insurance company in Robinson ND is Nodak Mutual, offering $412 for a six-month policy.