Cheapest Car Insurance Quotes in Selfridge

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Selfridge Car Insurance

^$ 26

/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 Selfridge

The car insurance rate in Selfridge is $864 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Selfridge 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 Selfridge

$864

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Selfridge

1st place: Nodak Mutual

At $452 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 $500 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $645 for six months, making it the third cheapest auto insurance company in Selfridge.

Selfridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Selfridge, ND is Nodak Mutual, offering policies at just $452 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $500.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1378 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Selfridge drivers find the best deals.

Cheap Car Insurance Companies in Selfridge, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$452	$77
Nationwide	$500	$84
USAA	$645	$109
American Family	$765	$129
North Star	$772	$131
Progressive	$785	$132
State Farm	$905	$152
Auto-Owners	$1011	$168
Nodak	$1032	$174
Allstate	$1264	$213
Farmers	$1378	$232

Key Takeaways

Way's key takeaways about car insurance in Selfridge

The auto insurance costs in Selfridge fall around $452 for six months.
The cheapest auto insurance company in Selfridge is North Star.
Teen drivers pay the highest rate in Selfridge at $943 per month.

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Cheapest Minimum Liability Car Insurance in Selfridge

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 Selfridge are given below.

North Star provides the cheapest minimum car insurance coverage in Selfridge. Their Average 6 Month Premium is $153. Allstate is the most expensive at $532 for the same period.

Cheapest Liability Coverage in Selfridge, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$153	$26
North Star Mutual	$153	$26
USAA	$153	$26
Nationwide	$172	$29
Nodak Mutual	$172	$29
North Star Mutual Insurance	$172	$29
Auto-Owners Insurance Co	$186	$31
Nodak	$213	$36
Auto-Owners	$220	$37
Progressive	$226	$38
State Farm	$226	$38
American Family	$286	$48
Farmers	$512	$86
Allstate	$532	$90

Cheapest Full Coverage Car Insurance in Selfridge

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 Selfridge is Nodak Mutual at $77 per month and $452 for six months.

Cheapest Full Coverage Car Insurance Quotes in Selfridge, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$452	$77
Nationwide	$500	$84
USAA	$645	$109
American Family	$765	$129
North Star	$772	$131
Progressive	$785	$132
State Farm	$905	$152
Auto-Owners	$1011	$168
Nodak	$1032	$174
Allstate	$1264	$213
Farmers	$1378	$232

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Average Car Insurance in Selfridge 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 Selfridge, ND increasing?

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

Car Insurance Premiums by Age in Selfridge

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 Selfridge,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 Selfridge at $30 per month. At $5601 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	$179	$30
Nodak Mutual	$186	$31
Nationwide	$206	$35
Auto-Owners Insurance Co	$233	$39
USAA	$799	$134
American Family	$1371	$231
Auto-Owners	$1403	$236
North Star	$1704	$283
Progressive	$2102	$354
State Farm	$2136	$360
Nodak	$2462	$419
Farmers	$5150	$867
Allstate	$5601	$943

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 Selfridge, Nationwide is the cheapest car insurance provider. At $253 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 Selfridge is State Farm, offering rates of around $3114 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$253	$43
Nodak Mutual	$392	$67
Progressive	$892	$150
American Family	$1077	$181
USAA	$1104	$184
Nodak	$1923	$327
Allstate	$1969	$328
Farmers	$2475	$421
Auto-Owners	$3007	$501
State Farm	$3114	$530

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Car Insurance Rates with An Accident in Selfridge

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

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

The cheapest car insurance companies after an at-fault accident in Selfridge include Nationwide and Nodak Mutual, offering $172 and $226, respectively. Farmers is an expensive provider with an average six-month premium of $1863.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$172	$29
Nodak Mutual	$226	$38
Auto-Owners Insurance Co	$260	$44
North Star Mutual	$260	$44
North Star Mutual Insurance	$292	$49
USAA	$452	$76
American Family	$586	$99
Auto-Owners	$586	$99
State Farm	$725	$122
Progressive	$1091	$184
Nodak	$1124	$189
North Star	$1364	$232
Allstate	$1717	$289
Farmers	$1863	$314

Selfridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Selfridge ND. For example, the car insurance in Selfridge after a DUI increases to $931 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.

Selfridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1158	$193
One Med/PIP claim	$1158	$197
Not-at-fault accident	$1177	$196
One comp claim	$1197	$204
Two Med/PIP claims	$1197	$199
Two comp claims	$1258	$214
Failure to show documents	$1264	$211
Driving with expired registration	$1290	$220
Failure to wear a seat belt	$1297	$216
Child safety restraint	$1304	$222
Driving without lights	$1304	$217
Cell phone violation	$1331	$226
Failure to yield	$1331	$222
Following too closely	$1331	$226
Illegal turn	$1331	$222
Texting while driving	$1331	$226
Driving too slowly	$1344	$224
Failure to stop at a red light	$1344	$228
Speeding in school zone	$1344	$224
Speeding 6 - 10 MPH over limit	$1357	$231
Wrong way/wrong lane	$1364	$227
Speeding 11 - 15 MPH over limit	$1371	$233
Speeding 16 - 20 MPH over limit	$1384	$231
Speeding 21 - 25 MPH over limit	$1384	$235
Improper passing	$1397	$233
Passing school bus	$1417	$241
In 65 MPH zone	$1424	$237
Operating a vehicle without permission	$1503	$255
At-fault accident - less than $1000	$1523	$254
Open container	$1577	$268
At-fault accident - $1000-$2000	$1590	$265
At-fault accident - greater than $2000	$1590	$270
Driving with a suspended license	$1883	$314
Refusal to submit to a chemical test	$1989	$338
Reckless driving	$2003	$334
DUI	$2089	$355
Racing	$2089	$348
Leaving scene of an accident/hit and run	$2143	$364

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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 Selfridge 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 Selfridge.

The cheapest car insurance premiums in Selfridge are offered by Nodak Mutual at $267 for a six-month policy. However, it can be as expensive as $2249 with companies like Allstate.

Selfridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$267	$45
Grinnell Mutual	$299	$50
Nationwide	$319	$54
Progressive	$692	$116
American Family	$752	$127
USAA	$799	$134
State Farm	$932	$157
Nodak	$1025	$172
Allied	$1324	$221
Auto-Owners	$1710	$291
Farmers	$1823	$307
Allstate	$2249	$379

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 Selfridge are offered by Nationwide at $206. However, it can be as expensive as $2887 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Selfridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$206	$35
Nodak Mutual	$206	$35
Auto-Owners Insurance Co	$220	$37
American Family	$525	$88
State Farm	$525	$88
USAA	$618	$105
Progressive	$758	$128
Auto-Owners	$932	$158
Nodak	$1011	$168
Farmers	$2860	$486
Allstate	$2887	$482

Car Insurance Price Trends in Selfridge, North Dakota

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

The average cost of full coverage in the Selfridge rose by $197 in December compared to $196 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 Selfridge remained steady at $41 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 Selfridge?

The car insurance in Selfridge is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Selfridge?

The cheapest car insurance in Selfridge is $77 per month for full coverage.

How much is car insurance in Selfridge for teenagers?

Car insurance for teenagers costs $179 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 Selfridge?

The average cost of car insurance is $771 for a six-month policy. It will cost around $144 per month to insure your car in Selfridge.

Is car insurance expensive in Selfridge?

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

What is the best car insurance in Selfridge, ND?

The best car insurance company in Selfridge ND is Nodak Mutual, offering $452 for a six-month policy.