Cheapest Car Insurance Quotes in Watford City

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Watford City Car Insurance

^$ 24

/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 Watford City

The car insurance rate in Watford City is $802 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Watford 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 Watford City

$802

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Watford City

1st place: Nodak Mutual

At $420 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 $464 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $599 for six months, making it the third cheapest auto insurance company in Watford City.

Watford City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Watford City, ND is Nodak Mutual, offering policies at just $420 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $464.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Watford City drivers find the best deals.

Cheap Car Insurance Companies in Watford City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$420	$72
Nationwide	$464	$78
USAA	$599	$101
American Family	$710	$120
North Star	$717	$122
Progressive	$729	$123
State Farm	$840	$141
Auto-Owners	$939	$156
Nodak	$958	$161
Allstate	$1174	$198
Farmers	$1279	$215

Key Takeaways

Way's key takeaways about car insurance in Watford City

The auto insurance costs in Watford City fall around $420 for six months.
The cheapest auto insurance company in Watford City is North Star.
Teen drivers pay the highest rate in Watford City at $876 per month.

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

North Star provides the cheapest minimum car insurance coverage in Watford City. Their Average 6 Month Premium is $142. Allstate is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Watford City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$142	$24
North Star Mutual	$142	$24
USAA	$142	$24
Nationwide	$160	$27
Nodak Mutual	$160	$27
North Star Mutual Insurance	$160	$27
Auto-Owners Insurance Co	$173	$29
Nodak	$198	$33
Auto-Owners	$204	$34
Progressive	$210	$35
State Farm	$210	$35
American Family	$265	$45
Farmers	$475	$80
Allstate	$494	$83

Cheapest Full Coverage Car Insurance in Watford 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 Watford City is Nodak Mutual at $72 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Watford City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$420	$72
Nationwide	$464	$78
USAA	$599	$101
American Family	$710	$120
North Star	$717	$122
Progressive	$729	$123
State Farm	$840	$141
Auto-Owners	$939	$156
Nodak	$958	$161
Allstate	$1174	$198
Farmers	$1279	$215

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Average Car Insurance in Watford 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 Watford City, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Watford 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, Watford 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 Watford 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 Watford 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 Watford City at $28 per month. At $5201 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	$166	$28
Nodak Mutual	$173	$29
Nationwide	$191	$32
Auto-Owners Insurance Co	$216	$36
USAA	$742	$125
American Family	$1273	$214
Auto-Owners	$1303	$219
North Star	$1582	$263
Progressive	$1952	$329
State Farm	$1983	$334
Nodak	$2286	$389
Farmers	$4782	$805
Allstate	$5201	$876

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 Watford City, Nationwide is the cheapest car insurance provider. At $235 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 Watford City is State Farm, offering rates of around $2891 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$235	$40
Nodak Mutual	$364	$62
Progressive	$828	$139
American Family	$1000	$168
USAA	$1025	$171
Nodak	$1786	$304
Allstate	$1828	$305
Farmers	$2298	$391
Auto-Owners	$2792	$465
State Farm	$2891	$492

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

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

The cheapest car insurance companies after an at-fault accident in Watford City include Nationwide and Nodak Mutual, offering $160 and $210, respectively. Farmers is an expensive provider with an average six-month premium of $1730.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$160	$27
Nodak Mutual	$210	$35
Auto-Owners Insurance Co	$241	$41
North Star Mutual	$241	$41
North Star Mutual Insurance	$271	$46
USAA	$420	$71
American Family	$544	$92
Auto-Owners	$544	$92
State Farm	$673	$113
Progressive	$1013	$171
Nodak	$1044	$176
North Star	$1267	$215
Allstate	$1594	$268
Farmers	$1730	$291

Watford City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Watford City ND. For example, the car insurance in Watford City after a DUI increases to $865 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Watford City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1075	$179
One Med/PIP claim	$1075	$183
Not-at-fault accident	$1093	$182
One comp claim	$1112	$189
Two Med/PIP claims	$1112	$185
Two comp claims	$1168	$199
Failure to show documents	$1174	$196
Driving with expired registration	$1198	$204
Failure to wear a seat belt	$1204	$201
Child safety restraint	$1211	$206
Driving without lights	$1211	$202
Cell phone violation	$1236	$210
Failure to yield	$1236	$206
Following too closely	$1236	$210
Illegal turn	$1236	$206
Texting while driving	$1236	$210
Driving too slowly	$1248	$208
Failure to stop at a red light	$1248	$212
Speeding in school zone	$1248	$208
Speeding 6 - 10 MPH over limit	$1260	$214
Wrong way/wrong lane	$1267	$211
Speeding 11 - 15 MPH over limit	$1273	$216
Speeding 16 - 20 MPH over limit	$1285	$214
Speeding 21 - 25 MPH over limit	$1285	$218
Improper passing	$1297	$216
Passing school bus	$1316	$224
In 65 MPH zone	$1322	$220
Operating a vehicle without permission	$1396	$237
At-fault accident - less than $1000	$1414	$236
Open container	$1464	$249
At-fault accident - $1000-$2000	$1477	$246
At-fault accident - greater than $2000	$1477	$251
Driving with a suspended license	$1748	$291
Refusal to submit to a chemical test	$1847	$314
Reckless driving	$1860	$310
DUI	$1940	$330
Racing	$1940	$323
Leaving scene of an accident/hit and run	$1990	$338

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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 Watford 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 Watford City.

The cheapest car insurance premiums in Watford City are offered by Nodak Mutual at $248 for a six-month policy. However, it can be as expensive as $2088 with companies like Allstate.

Watford City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$248	$42
Grinnell Mutual	$278	$47
Nationwide	$296	$50
Progressive	$643	$108
American Family	$698	$118
USAA	$742	$125
State Farm	$865	$146
Nodak	$952	$160
Allied	$1229	$205
Auto-Owners	$1588	$270
Farmers	$1693	$285
Allstate	$2088	$352

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 Watford City are offered by Nationwide at $191. However, it can be as expensive as $2681 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Watford City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$191	$32
Nodak Mutual	$191	$32
Auto-Owners Insurance Co	$204	$34
American Family	$488	$82
State Farm	$488	$82
USAA	$574	$98
Progressive	$704	$119
Auto-Owners	$865	$147
Nodak	$939	$156
Farmers	$2656	$451
Allstate	$2681	$447

Car Insurance Price Trends in Watford City, North Dakota

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

The average cost of full coverage in the Watford City rose by $183 in December compared to $182 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 Watford City remained steady at $38 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 Watford City?

The car insurance in Watford City is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Watford City?

The cheapest car insurance in Watford City is $72 per month for full coverage.

How much is car insurance in Watford City for teenagers?

Car insurance for teenagers costs $166 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 Watford City?

The average cost of car insurance is $771 for a six-month policy. It will cost around $134 per month to insure your car in Watford City.

Is car insurance expensive in Watford City?

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

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

The best car insurance company in Watford City ND is Nodak Mutual, offering $420 for a six-month policy.