Cheapest Car Insurance Quotes in Wahpeton

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Wahpeton 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 Wahpeton

The car insurance rate in Wahpeton is $709 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Wahpeton 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 Wahpeton

$709

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Wahpeton

1st place: Nodak Mutual

At $372 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 $410 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $530 for six months, making it the third cheapest auto insurance company in Wahpeton.

Wahpeton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wahpeton, ND is Nodak Mutual, offering policies at just $372 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $410.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1132 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wahpeton drivers find the best deals.

Cheap Car Insurance Companies in Wahpeton, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$372	$63
Nationwide	$410	$69
USAA	$530	$89
American Family	$628	$106
North Star	$634	$108
Progressive	$645	$109
State Farm	$743	$125
Auto-Owners	$831	$138
Nodak	$847	$143
Allstate	$1039	$175
Farmers	$1132	$190

Key Takeaways

Way's key takeaways about car insurance in Wahpeton

The auto insurance costs in Wahpeton fall around $372 for six months.
The cheapest auto insurance company in Wahpeton is North Star.
Teen drivers pay the highest rate in Wahpeton at $775 per month.

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Cheapest Minimum Liability Car Insurance in Wahpeton

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 Wahpeton are given below.

North Star provides the cheapest minimum car insurance coverage in Wahpeton. Their Average 6 Month Premium is $126. Allstate is the most expensive at $437 for the same period.

Cheapest Liability Coverage in Wahpeton, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$126	$21
North Star Mutual	$126	$21
USAA	$126	$21
Nationwide	$142	$24
Nodak Mutual	$142	$24
North Star Mutual Insurance	$142	$24
Auto-Owners Insurance Co	$153	$26
Nodak	$175	$29
Auto-Owners	$180	$30
Progressive	$186	$31
State Farm	$186	$31
American Family	$235	$40
Farmers	$420	$71
Allstate	$437	$74

Cheapest Full Coverage Car Insurance in Wahpeton

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 Wahpeton is Nodak Mutual at $63 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wahpeton, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$372	$63
Nationwide	$410	$69
USAA	$530	$89
American Family	$628	$106
North Star	$634	$108
Progressive	$645	$109
State Farm	$743	$125
Auto-Owners	$831	$138
Nodak	$847	$143
Allstate	$1039	$175
Farmers	$1132	$190

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Average Car Insurance in Wahpeton 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 Wahpeton, ND increasing?

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

Car Insurance Premiums by Age in Wahpeton

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 Wahpeton,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 Wahpeton at $25 per month. At $4601 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	$147	$25
Nodak Mutual	$153	$26
Nationwide	$169	$29
Auto-Owners Insurance Co	$191	$32
USAA	$656	$110
American Family	$1126	$190
Auto-Owners	$1153	$194
North Star	$1399	$233
Progressive	$1727	$291
State Farm	$1754	$295
Nodak	$2022	$344
Farmers	$4230	$712
Allstate	$4601	$775

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 Wahpeton, Nationwide is the cheapest car insurance provider. At $208 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 Wahpeton is State Farm, offering rates of around $2558 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$208	$35
Nodak Mutual	$322	$55
Progressive	$732	$123
American Family	$885	$149
USAA	$907	$151
Nodak	$1580	$269
Allstate	$1617	$270
Farmers	$2033	$346
Auto-Owners	$2470	$411
State Farm	$2558	$435

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Car Insurance Rates with An Accident in Wahpeton

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

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

The cheapest car insurance companies after an at-fault accident in Wahpeton include Nationwide and Nodak Mutual, offering $142 and $186, respectively. Farmers is an expensive provider with an average six-month premium of $1530.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$142	$24
Nodak Mutual	$186	$31
Auto-Owners Insurance Co	$213	$36
North Star Mutual	$213	$36
North Star Mutual Insurance	$240	$40
USAA	$372	$63
American Family	$481	$81
Auto-Owners	$481	$81
State Farm	$595	$100
Progressive	$896	$151
Nodak	$924	$155
North Star	$1121	$190
Allstate	$1410	$237
Farmers	$1530	$258

Wahpeton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wahpeton ND. For example, the car insurance in Wahpeton after a DUI increases to $765 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Wahpeton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$951	$158
One Med/PIP claim	$951	$162
Not-at-fault accident	$967	$161
One comp claim	$983	$167
Two Med/PIP claims	$983	$164
Two comp claims	$1033	$176
Failure to show documents	$1039	$173
Driving with expired registration	$1060	$180
Failure to wear a seat belt	$1065	$178
Child safety restraint	$1071	$182
Driving without lights	$1071	$178
Cell phone violation	$1093	$186
Failure to yield	$1093	$182
Following too closely	$1093	$186
Illegal turn	$1093	$182
Texting while driving	$1093	$186
Driving too slowly	$1104	$184
Failure to stop at a red light	$1104	$188
Speeding in school zone	$1104	$184
Speeding 6 - 10 MPH over limit	$1115	$190
Wrong way/wrong lane	$1121	$187
Speeding 11 - 15 MPH over limit	$1126	$191
Speeding 16 - 20 MPH over limit	$1137	$190
Speeding 21 - 25 MPH over limit	$1137	$193
Improper passing	$1147	$191
Passing school bus	$1164	$198
In 65 MPH zone	$1169	$195
Operating a vehicle without permission	$1235	$210
At-fault accident - less than $1000	$1251	$209
Open container	$1295	$220
At-fault accident - $1000-$2000	$1306	$218
At-fault accident - greater than $2000	$1306	$222
Driving with a suspended license	$1547	$258
Refusal to submit to a chemical test	$1634	$278
Reckless driving	$1645	$274
DUI	$1716	$292
Racing	$1716	$286
Leaving scene of an accident/hit and run	$1760	$299

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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 Wahpeton 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 Wahpeton.

The cheapest car insurance premiums in Wahpeton are offered by Nodak Mutual at $219 for a six-month policy. However, it can be as expensive as $1847 with companies like Allstate.

Wahpeton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$219	$37
Grinnell Mutual	$246	$41
Nationwide	$262	$44
Progressive	$569	$96
American Family	$617	$104
USAA	$656	$110
State Farm	$765	$129
Nodak	$842	$142
Allied	$1087	$181
Auto-Owners	$1405	$239
Farmers	$1498	$252
Allstate	$1847	$311

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 Wahpeton are offered by Nationwide at $169. However, it can be as expensive as $2372 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wahpeton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$169	$29
Nodak Mutual	$169	$29
Auto-Owners Insurance Co	$180	$30
American Family	$431	$73
State Farm	$431	$73
USAA	$508	$86
Progressive	$623	$105
Auto-Owners	$765	$130
Nodak	$831	$138
Farmers	$2350	$399
Allstate	$2372	$396

Car Insurance Price Trends in Wahpeton, North Dakota

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

The average cost of full coverage in the Wahpeton rose by $162 in December compared to $161 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 Wahpeton 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 Wahpeton?

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

What is the cheapest car insurance in Wahpeton?

The cheapest car insurance in Wahpeton is $63 per month for full coverage.

How much is car insurance in Wahpeton for teenagers?

Car insurance for teenagers costs $147 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 Wahpeton?

The average cost of car insurance is $771 for a six-month policy. It will cost around $119 per month to insure your car in Wahpeton.

Is car insurance expensive in Wahpeton?

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

What is the best car insurance in Wahpeton, ND?

The best car insurance company in Wahpeton ND is Nodak Mutual, offering $372 for a six-month policy.