Cheapest Car Insurance Quotes in Tower City

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Tower City 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 Tower City

The car insurance rate in Tower City is $725 for a six-month policy, which is $46 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Tower City 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 Tower City

$725

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Tower City

1st place: Nodak Mutual

At $380 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 $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $541 for six months, making it the third cheapest auto insurance company in Tower City.

Tower City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tower City, ND is Nodak Mutual, offering policies at just $380 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $419.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1156 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tower City drivers find the best deals.

Cheap Car Insurance Companies in Tower City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$380	$65
Nationwide	$419	$71
USAA	$541	$91
American Family	$642	$108
North Star	$648	$110
Progressive	$659	$111
State Farm	$760	$128
Auto-Owners	$849	$141
Nodak	$866	$146
Allstate	$1061	$179
Farmers	$1156	$195

Key Takeaways

Way's key takeaways about car insurance in Tower City

The auto insurance costs in Tower City fall around $380 for six months.
The cheapest auto insurance company in Tower City is North Star.
Teen drivers pay the highest rate in Tower City at $791 per month.

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Cheapest Minimum Liability Car Insurance in Tower City

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 Tower City are given below.

North Star provides the cheapest minimum car insurance coverage in Tower City. Their Average 6 Month Premium is $129. Allstate is the most expensive at $447 for the same period.

Cheapest Liability Coverage in Tower City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$129	$22
North Star Mutual	$129	$22
USAA	$129	$22
Nationwide	$145	$24
Nodak Mutual	$145	$24
North Star Mutual Insurance	$145	$24
Auto-Owners Insurance Co	$156	$26
Nodak	$179	$30
Auto-Owners	$184	$31
Progressive	$190	$32
State Farm	$190	$32
American Family	$240	$40
Farmers	$430	$72
Allstate	$447	$75

Cheapest Full Coverage Car Insurance in Tower City

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 Tower City is Nodak Mutual at $65 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tower City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$380	$65
Nationwide	$419	$71
USAA	$541	$91
American Family	$642	$108
North Star	$648	$110
Progressive	$659	$111
State Farm	$760	$128
Auto-Owners	$849	$141
Nodak	$866	$146
Allstate	$1061	$179
Farmers	$1156	$195

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Average Car Insurance in Tower City 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 Tower City, ND increasing?

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

Car Insurance Premiums by Age in Tower City

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 Tower City,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 Tower City at $25 per month. At $4701 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	$150	$25
Nodak Mutual	$156	$26
Nationwide	$173	$29
Auto-Owners Insurance Co	$196	$33
USAA	$670	$113
American Family	$1151	$194
Auto-Owners	$1178	$198
North Star	$1430	$238
Progressive	$1764	$297
State Farm	$1793	$302
Nodak	$2066	$352
Farmers	$4322	$728
Allstate	$4701	$791

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 Tower City, Nationwide is the cheapest car insurance provider. At $212 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 Tower City is State Farm, offering rates of around $2613 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$212	$36
Nodak Mutual	$329	$56
Progressive	$748	$126
American Family	$904	$152
USAA	$927	$154
Nodak	$1614	$274
Allstate	$1653	$275
Farmers	$2077	$353
Auto-Owners	$2524	$420
State Farm	$2613	$445

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Car Insurance Rates with An Accident in Tower City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tower City

The cheapest car insurance companies after an at-fault accident in Tower City include Nationwide and Nodak Mutual, offering $145 and $190, respectively. Farmers is an expensive provider with an average six-month premium of $1563.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$145	$24
Nodak Mutual	$190	$32
Auto-Owners Insurance Co	$218	$37
North Star Mutual	$218	$37
North Star Mutual Insurance	$245	$41
USAA	$380	$64
American Family	$492	$83
Auto-Owners	$492	$83
State Farm	$608	$102
Progressive	$916	$154
Nodak	$944	$159
North Star	$1145	$195
Allstate	$1441	$243
Farmers	$1563	$263

Tower City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tower City ND. For example, the car insurance in Tower City after a DUI increases to $781 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Tower City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$972	$165
Not-at-fault accident	$988	$165
One comp claim	$1005	$171
Two Med/PIP claims	$1005	$167
Two comp claims	$1056	$180
Failure to show documents	$1061	$177
Driving with expired registration	$1083	$184
Failure to wear a seat belt	$1089	$181
Child safety restraint	$1094	$186
Driving without lights	$1094	$182
Cell phone violation	$1117	$190
Failure to yield	$1117	$186
Following too closely	$1117	$190
Illegal turn	$1117	$186
Texting while driving	$1117	$190
Driving too slowly	$1128	$188
Failure to stop at a red light	$1128	$192
Speeding in school zone	$1128	$188
Speeding 6 - 10 MPH over limit	$1139	$194
Wrong way/wrong lane	$1145	$191
Speeding 11 - 15 MPH over limit	$1151	$196
Speeding 16 - 20 MPH over limit	$1162	$194
Speeding 21 - 25 MPH over limit	$1162	$197
Improper passing	$1172	$196
Passing school bus	$1189	$202
In 65 MPH zone	$1195	$199
Operating a vehicle without permission	$1261	$214
At-fault accident - less than $1000	$1278	$213
Open container	$1324	$225
At-fault accident - $1000-$2000	$1335	$223
At-fault accident - greater than $2000	$1335	$227
Driving with a suspended license	$1580	$263
Refusal to submit to a chemical test	$1669	$284
Reckless driving	$1681	$280
DUI	$1753	$298
Racing	$1753	$292
Leaving scene of an accident/hit and run	$1798	$306

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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 Tower City 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 Tower City.

The cheapest car insurance premiums in Tower City are offered by Nodak Mutual at $224 for a six-month policy. However, it can be as expensive as $1888 with companies like Allstate.

Tower City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$224	$38
Grinnell Mutual	$251	$42
Nationwide	$268	$45
Progressive	$581	$98
American Family	$631	$106
USAA	$670	$113
State Farm	$782	$132
Nodak	$860	$145
Allied	$1111	$185
Auto-Owners	$1435	$244
Farmers	$1530	$258
Allstate	$1888	$318

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 Tower City are offered by Nationwide at $173. However, it can be as expensive as $2423 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Tower City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$173	$29
Nodak Mutual	$173	$29
Auto-Owners Insurance Co	$184	$31
American Family	$441	$74
State Farm	$441	$74
USAA	$519	$88
Progressive	$636	$107
Auto-Owners	$782	$133
Nodak	$849	$141
Farmers	$2401	$408
Allstate	$2423	$404

Car Insurance Price Trends in Tower City, North Dakota

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

The average cost of full coverage in the Tower City remained steady at $165 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Tower City remained steady at $35 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 Tower City?

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

What is the cheapest car insurance in Tower City?

The cheapest car insurance in Tower City is $65 per month for full coverage.

How much is car insurance in Tower City for teenagers?

Car insurance for teenagers costs $150 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 Tower City?

The average cost of car insurance is $771 for a six-month policy. It will cost around $121 per month to insure your car in Tower City.

Is car insurance expensive in Tower City?

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

What is the best car insurance in Tower City, ND?

The best car insurance company in Tower City ND is Nodak Mutual, offering $380 for a six-month policy.