Cheapest Car Insurance Quotes in St. Thomas

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St. Thomas Car Insurance

^$ 22

/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 St. Thomas

The car insurance rate in St. Thomas is $792 for a six-month policy, which is $25 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, making it a popular choice for budget-conscious drivers. Rates in St. Thomas 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 St. Thomas

$792

Avg. Car Insurance in North Dakota

$817

National Average

$1278

Cheapest Car Insurance Companies in St. Thomas

1st place: Nodak Mutual

At $392 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 $433 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 $467 for six months, making it the third cheapest auto insurance company in St. Thomas.

St. Thomas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Thomas, ND is Nodak Mutual, offering policies at just $392 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $433.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1342 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Thomas drivers find the best deals.

Cheap Car Insurance Companies in St. Thomas, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$392	$67
Nationwide	$433	$73
American Family	$467	$79
USAA	$594	$100
North Star	$668	$113
Progressive	$772	$130
State Farm	$807	$136
North Star Mutual	$899	$149
Auto-Owners	$968	$165
Nodak	$1043	$176
Allstate	$1129	$190
Farmers	$1342	$226

Key Takeaways

Way's key takeaways about car insurance in St. Thomas

The auto insurance costs in St. Thomas fall around $392 for six months.
The cheapest auto insurance company in St. Thomas is North Star.
Teen drivers pay the highest rate in St. Thomas at $849 per month.

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Cheapest Minimum Liability Car Insurance in St. Thomas

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 St. Thomas are given below.

North Star provides the cheapest minimum car insurance coverage in St. Thomas. Their Average 6 Month Premium is $133. Farmers is the most expensive at $455 for the same period.

Cheapest Liability Coverage in St. Thomas, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$133	$22
USAA	$139	$23
Nationwide	$149	$25
Nodak Mutual	$149	$25
North Star Mutual Insurance	$149	$25
North Star Mutual	$155	$26
Auto-Owners Insurance Co	$161	$27
American Family	$190	$32
Auto-Owners	$190	$32
Nodak	$190	$32
State Farm	$202	$34
Progressive	$208	$35
Allstate	$455	$77
Farmers	$455	$77

Cheapest Full Coverage Car Insurance in St. Thomas

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 St. Thomas is Nodak Mutual at $67 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Thomas, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$392	$67
Nationwide	$433	$73
American Family	$467	$79
USAA	$594	$100
North Star	$668	$113
Progressive	$772	$130
State Farm	$807	$136
North Star Mutual	$899	$149
Auto-Owners	$968	$165
Nodak	$1043	$176
Allstate	$1129	$190
Farmers	$1342	$226

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Average Car Insurance in St. Thomas 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 St. Thomas, ND increasing?

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

Car Insurance Premiums by Age in St. Thomas

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 St. Thomas,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 St. Thomas at $26 per month. At $5042 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	$155	$26
Nodak Mutual	$161	$27
Nationwide	$178	$30
Auto-Owners Insurance Co	$202	$34
American Family	$743	$125
USAA	$766	$129
North Star Mutual	$1187	$202
Auto-Owners	$1256	$211
North Star	$1475	$251
State Farm	$1907	$321
Progressive	$2097	$353
Nodak	$2726	$454
Farmers	$4938	$831
Allstate	$5042	$849

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 St. Thomas, Nationwide is the cheapest car insurance provider. At $219 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 St. Thomas is State Farm, offering rates of around $3676 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$219	$37
American Family	$242	$41
Nodak Mutual	$340	$58
Progressive	$1009	$170
USAA	$1066	$181
North Star Mutual	$1492	$248
Allstate	$1815	$308
Nodak	$2138	$356
Farmers	$2616	$445
Auto-Owners	$2824	$470
State Farm	$3676	$625

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Car Insurance Rates with An Accident in St. Thomas

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

Cheapest Car Insurance Companies after an At-Fault Accident in St. Thomas

The cheapest car insurance companies after an at-fault accident in St. Thomas include Nationwide and Nodak Mutual, offering $149 and $196, respectively. Farmers is an expensive provider with an average six-month premium of $1815.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$149	$25
Nodak Mutual	$196	$33
Auto-Owners Insurance Co	$225	$38
North Star Mutual Insurance	$253	$43
American Family	$329	$55
USAA	$427	$72
Auto-Owners	$541	$91
State Farm	$645	$109
North Star Mutual	$882	$148
Progressive	$1089	$183
North Star	$1181	$197
Nodak	$1227	$207
Allstate	$1538	$259
Farmers	$1815	$306

St. Thomas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Thomas ND. For example, the car insurance in St. Thomas after a DUI increases to $806 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

St. Thomas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1003	$167
One Med/PIP claim	$1003	$171
Not-at-fault accident	$1019	$170
One comp claim	$1037	$177
Two Med/PIP claims	$1037	$173
Two comp claims	$1089	$185
Failure to show documents	$1095	$182
Driving with expired registration	$1117	$190
Failure to wear a seat belt	$1123	$187
Child safety restraint	$1129	$192
Driving without lights	$1129	$188
Cell phone violation	$1152	$196
Failure to yield	$1152	$192
Following too closely	$1152	$196
Illegal turn	$1152	$192
Texting while driving	$1152	$196
Driving too slowly	$1164	$194
Failure to stop at a red light	$1164	$198
Speeding in school zone	$1164	$194
Speeding 6 - 10 MPH over limit	$1176	$200
Wrong way/wrong lane	$1181	$197
Speeding 11 - 15 MPH over limit	$1187	$202
Speeding 16 - 20 MPH over limit	$1199	$200
Speeding 21 - 25 MPH over limit	$1199	$204
Improper passing	$1210	$202
Passing school bus	$1227	$209
In 65 MPH zone	$1233	$206
Operating a vehicle without permission	$1302	$221
At-fault accident - less than $1000	$1319	$220
Open container	$1366	$232
At-fault accident - $1000-$2000	$1377	$230
At-fault accident - greater than $2000	$1377	$234
Driving with a suspended license	$1631	$272
Refusal to submit to a chemical test	$1723	$293
Reckless driving	$1734	$289
DUI	$1809	$307
Racing	$1809	$302
Leaving scene of an accident/hit and run	$1856	$315

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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 St. Thomas 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 St. Thomas.

The cheapest car insurance premiums in St. Thomas are offered by Nodak Mutual at $231 for a six-month policy. However, it can be as expensive as $1147 with companies like Allied.

St. Thomas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$231	$39
Grinnell Mutual	$259	$44
Nationwide	$276	$47
American Family	$409	$69
Progressive	$680	$114
USAA	$760	$128
State Farm	$835	$141
Nodak	$1101	$185
Auto-Owners	$1613	$269
Farmers	$1780	$300
Allstate	$2022	$340
North Star	$2080	$354
North Star Mutual	$2564	$428
Allied	$1147	$191

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 St. Thomas are offered by American Family at $167. However, it can be as expensive as $2218 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in St. Thomas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$167	$28
Nationwide	$178	$30
Nodak Mutual	$178	$30
Auto-Owners Insurance Co	$190	$32
State Farm	$467	$79
USAA	$755	$126
Progressive	$795	$134
Auto-Owners	$968	$161
North Star Mutual	$1129	$192
Allstate	$1325	$221
Nodak	$1527	$260
Farmers	$2218	$370

Car Insurance Price Trends in St. Thomas, North Dakota

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

The average cost of full coverage in the St. Thomas remained steady at $184 in both April and March, indicating no change over the two month period.

The average cost of liability insurance in the St. Thomas remained steady at $36 in both April and March, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Thomas?

The car insurance in St. Thomas is $22 per month, which is lower than the national average.

What is the cheapest car insurance in St. Thomas?

The cheapest car insurance in St. Thomas is $67 per month for full coverage.

How much is car insurance in St. Thomas for teenagers?

Car insurance for teenagers costs $155 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 St. Thomas?

The average cost of car insurance is $817 for a six-month policy. It will cost around $133 per month to insure your car in St. Thomas.

Is car insurance expensive in St. Thomas?

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

What is the best car insurance in St. Thomas, ND?

The best car insurance company in St. Thomas ND is Nodak Mutual, offering $392 for a six-month policy.