Cheapest Car Insurance Quotes in Valley City

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Valley City Car Insurance

^$ 21

/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 Valley City

The car insurance rate in Valley City is $717 for a six-month policy, which is $54 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Valley 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 Valley City

$717

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Valley City

1st place: Nodak Mutual

At $376 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 $415 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $536 for six months, making it the third cheapest auto insurance company in Valley City.

Valley City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valley City, ND is Nodak Mutual, offering policies at just $376 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $415.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1144 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valley City drivers find the best deals.

Cheap Car Insurance Companies in Valley City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$376	$64
Nationwide	$415	$70
USAA	$536	$90
American Family	$635	$107
North Star	$641	$109
Progressive	$652	$110
State Farm	$751	$126
Auto-Owners	$840	$140
Nodak	$857	$144
Allstate	$1050	$177
Farmers	$1144	$193

Key Takeaways

Way's key takeaways about car insurance in Valley City

The auto insurance costs in Valley City fall around $376 for six months.
The cheapest auto insurance company in Valley City is North Star.
Teen drivers pay the highest rate in Valley City at $783 per month.

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Cheapest Minimum Liability Car Insurance in Valley 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 Valley City are given below.

North Star provides the cheapest minimum car insurance coverage in Valley City. Their Average 6 Month Premium is $127. Allstate is the most expensive at $442 for the same period.

Cheapest Liability Coverage in Valley City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$127	$21
North Star Mutual	$127	$21
USAA	$127	$21
Nationwide	$143	$24
Nodak Mutual	$143	$24
North Star Mutual Insurance	$143	$24
Auto-Owners Insurance Co	$154	$26
Nodak	$177	$30
Auto-Owners	$182	$31
Progressive	$188	$32
State Farm	$188	$32
American Family	$237	$40
Farmers	$425	$72
Allstate	$442	$74

Cheapest Full Coverage Car Insurance in Valley 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 Valley City is Nodak Mutual at $64 per month and $376 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valley City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$376	$64
Nationwide	$415	$70
USAA	$536	$90
American Family	$635	$107
North Star	$641	$109
Progressive	$652	$110
State Farm	$751	$126
Auto-Owners	$840	$140
Nodak	$857	$144
Allstate	$1050	$177
Farmers	$1144	$193

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Average Car Insurance in Valley 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 Valley City, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Valley 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, Valley 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 Valley 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 Valley 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 Valley City at $25 per month. At $4651 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	$149	$25
Nodak Mutual	$154	$26
Nationwide	$171	$29
Auto-Owners Insurance Co	$193	$33
USAA	$663	$112
American Family	$1138	$192
Auto-Owners	$1165	$196
North Star	$1415	$235
Progressive	$1746	$294
State Farm	$1774	$299
Nodak	$2044	$348
Farmers	$4276	$720
Allstate	$4651	$783

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 Valley City, Nationwide is the cheapest car insurance provider. At $210 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 Valley City is State Farm, offering rates of around $2585 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$210	$35
Nodak Mutual	$326	$56
Progressive	$740	$125
American Family	$895	$151
USAA	$917	$153
Nodak	$1597	$272
Allstate	$1635	$272
Farmers	$2055	$350
Auto-Owners	$2497	$416
State Farm	$2585	$440

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Car Insurance Rates with An Accident in Valley 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 Valley City, ND, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Valley City include Nationwide and Nodak Mutual, offering $143 and $188, respectively. Farmers is an expensive provider with an average six-month premium of $1547.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$143	$24
Nodak Mutual	$188	$32
Auto-Owners Insurance Co	$216	$36
North Star Mutual	$216	$36
North Star Mutual Insurance	$243	$41
USAA	$376	$63
American Family	$486	$82
Auto-Owners	$486	$82
State Farm	$602	$101
Progressive	$906	$153
Nodak	$934	$157
North Star	$1133	$193
Allstate	$1426	$240
Farmers	$1547	$260

Valley City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valley City ND. For example, the car insurance in Valley City after a DUI increases to $772 for a six month policy. While the rate increases by $165 for a six-month policy in the case of a speeding ticket.

Valley City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
One Med/PIP claim	$962	$164
Not-at-fault accident	$977	$163
One comp claim	$994	$169
Two Med/PIP claims	$994	$166
Two comp claims	$1044	$178
Failure to show documents	$1050	$175
Driving with expired registration	$1071	$182
Failure to wear a seat belt	$1077	$179
Child safety restraint	$1083	$184
Driving without lights	$1083	$180
Cell phone violation	$1105	$188
Failure to yield	$1105	$184
Following too closely	$1105	$188
Illegal turn	$1105	$184
Texting while driving	$1105	$188
Driving too slowly	$1116	$186
Failure to stop at a red light	$1116	$190
Speeding in school zone	$1116	$186
Speeding 6 - 10 MPH over limit	$1127	$192
Wrong way/wrong lane	$1133	$189
Speeding 11 - 15 MPH over limit	$1138	$193
Speeding 16 - 20 MPH over limit	$1149	$192
Speeding 21 - 25 MPH over limit	$1149	$195
Improper passing	$1160	$193
Passing school bus	$1176	$200
In 65 MPH zone	$1182	$197
Operating a vehicle without permission	$1248	$212
At-fault accident - less than $1000	$1265	$211
Open container	$1309	$222
At-fault accident - $1000-$2000	$1321	$220
At-fault accident - greater than $2000	$1321	$224
Driving with a suspended license	$1563	$260
Refusal to submit to a chemical test	$1652	$281
Reckless driving	$1663	$277
DUI	$1734	$295
Racing	$1734	$289
Leaving scene of an accident/hit and run	$1779	$302

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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 Valley 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 Valley City.

The cheapest car insurance premiums in Valley City are offered by Nodak Mutual at $221 for a six-month policy. However, it can be as expensive as $1867 with companies like Allstate.

Valley City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$221	$37
Grinnell Mutual	$248	$42
Nationwide	$265	$45
Progressive	$575	$97
American Family	$624	$105
USAA	$663	$112
State Farm	$774	$130
Nodak	$851	$143
Allied	$1099	$183
Auto-Owners	$1420	$242
Farmers	$1514	$255
Allstate	$1867	$314

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 Valley City are offered by Nationwide at $171. However, it can be as expensive as $2398 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Valley City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$171	$29
Nodak Mutual	$171	$29
Auto-Owners Insurance Co	$182	$31
American Family	$436	$73
State Farm	$436	$73
USAA	$513	$87
Progressive	$630	$106
Auto-Owners	$774	$131
Nodak	$840	$140
Farmers	$2375	$404
Allstate	$2398	$400

Car Insurance Price Trends in Valley City, North Dakota

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

The average cost of full coverage in the Valley City rose by $164 in December compared to $163 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 Valley City remained steady at $34 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 Valley City?

The car insurance in Valley City is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Valley City?

The cheapest car insurance in Valley City is $64 per month for full coverage.

How much is car insurance in Valley City for teenagers?

Car insurance for teenagers costs $149 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 Valley City?

The average cost of car insurance is $771 for a six-month policy. It will cost around $120 per month to insure your car in Valley City.

Is car insurance expensive in Valley City?

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

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

The best car insurance company in Valley City ND is Nodak Mutual, offering $376 for a six-month policy.