Cheapest Car Insurance Quotes in Wildrose

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Wildrose 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 Wildrose

The car insurance rate in Wildrose is $817 for a six-month policy, which is $46 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Wildrose 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 Wildrose

$817

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Wildrose

1st place: Nodak Mutual

At $428 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 $473 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $611 for six months, making it the third cheapest auto insurance company in Wildrose.

Wildrose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wildrose, ND is Nodak Mutual, offering policies at just $428 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $473.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1304 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wildrose drivers find the best deals.

Cheap Car Insurance Companies in Wildrose, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$428	$73
Nationwide	$473	$80
USAA	$611	$103
American Family	$724	$122
North Star	$730	$124
Progressive	$743	$125
State Farm	$856	$144
Auto-Owners	$957	$159
Nodak	$976	$164
Allstate	$1197	$201
Farmers	$1304	$219

Key Takeaways

Way's key takeaways about car insurance in Wildrose

The auto insurance costs in Wildrose fall around $428 for six months.
The cheapest auto insurance company in Wildrose is North Star.
Teen drivers pay the highest rate in Wildrose at $893 per month.

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Cheapest Minimum Liability Car Insurance in Wildrose

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 Wildrose are given below.

North Star provides the cheapest minimum car insurance coverage in Wildrose. Their Average 6 Month Premium is $145. Allstate is the most expensive at $504 for the same period.

Cheapest Liability Coverage in Wildrose, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$145	$24
North Star Mutual	$145	$24
USAA	$145	$24
Nationwide	$163	$28
Nodak Mutual	$163	$28
North Star Mutual Insurance	$163	$28
Auto-Owners Insurance Co	$176	$30
Nodak	$201	$34
Auto-Owners	$208	$35
Progressive	$214	$36
State Farm	$214	$36
American Family	$270	$46
Farmers	$484	$82
Allstate	$504	$85

Cheapest Full Coverage Car Insurance in Wildrose

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 Wildrose is Nodak Mutual at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wildrose, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$428	$73
Nationwide	$473	$80
USAA	$611	$103
American Family	$724	$122
North Star	$730	$124
Progressive	$743	$125
State Farm	$856	$144
Auto-Owners	$957	$159
Nodak	$976	$164
Allstate	$1197	$201
Farmers	$1304	$219

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Average Car Insurance in Wildrose 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 Wildrose, ND increasing?

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

Car Insurance Premiums by Age in Wildrose

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 Wildrose,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 Wildrose at $29 per month. At $5301 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	$170	$29
Nodak Mutual	$176	$30
Nationwide	$195	$33
Auto-Owners Insurance Co	$220	$37
USAA	$756	$127
American Family	$1297	$218
Auto-Owners	$1328	$224
North Star	$1612	$268
Progressive	$1990	$335
State Farm	$2021	$340
Nodak	$2330	$396
Farmers	$4874	$820
Allstate	$5301	$893

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 Wildrose, Nationwide is the cheapest car insurance provider. At $240 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 Wildrose is State Farm, offering rates of around $2947 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$240	$40
Nodak Mutual	$371	$64
Progressive	$844	$142
American Family	$1020	$172
USAA	$1045	$174
Nodak	$1820	$310
Allstate	$1863	$311
Farmers	$2343	$399
Auto-Owners	$2846	$474
State Farm	$2947	$501

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Car Insurance Rates with An Accident in Wildrose

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

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

The cheapest car insurance companies after an at-fault accident in Wildrose include Nationwide and Nodak Mutual, offering $163 and $214, respectively. Farmers is an expensive provider with an average six-month premium of $1763.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$163	$28
Nodak Mutual	$214	$36
Auto-Owners Insurance Co	$246	$41
North Star Mutual	$246	$41
North Star Mutual Insurance	$277	$47
USAA	$428	$72
American Family	$554	$93
Auto-Owners	$554	$93
State Farm	$686	$116
Progressive	$1032	$174
Nodak	$1064	$179
North Star	$1291	$219
Allstate	$1625	$273
Farmers	$1763	$297

Wildrose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wildrose ND. For example, the car insurance in Wildrose after a DUI increases to $881 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Wildrose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1096	$182
One Med/PIP claim	$1096	$187
Not-at-fault accident	$1114	$186
One comp claim	$1133	$193
Two Med/PIP claims	$1133	$189
Two comp claims	$1190	$202
Failure to show documents	$1197	$199
Driving with expired registration	$1221	$208
Failure to wear a seat belt	$1227	$205
Child safety restraint	$1234	$210
Driving without lights	$1234	$206
Cell phone violation	$1259	$214
Failure to yield	$1259	$210
Following too closely	$1259	$214
Illegal turn	$1259	$210
Texting while driving	$1259	$214
Driving too slowly	$1272	$212
Failure to stop at a red light	$1272	$216
Speeding in school zone	$1272	$212
Speeding 6 - 10 MPH over limit	$1285	$218
Wrong way/wrong lane	$1291	$215
Speeding 11 - 15 MPH over limit	$1297	$220
Speeding 16 - 20 MPH over limit	$1310	$218
Speeding 21 - 25 MPH over limit	$1310	$223
Improper passing	$1322	$220
Passing school bus	$1341	$228
In 65 MPH zone	$1347	$225
Operating a vehicle without permission	$1423	$242
At-fault accident - less than $1000	$1442	$241
Open container	$1492	$253
At-fault accident - $1000-$2000	$1505	$251
At-fault accident - greater than $2000	$1505	$255
Driving with a suspended license	$1782	$297
Refusal to submit to a chemical test	$1883	$320
Reckless driving	$1895	$316
DUI	$1977	$336
Racing	$1977	$330
Leaving scene of an accident/hit and run	$2028	$345

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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 Wildrose 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 Wildrose.

The cheapest car insurance premiums in Wildrose are offered by Nodak Mutual at $252 for a six-month policy. However, it can be as expensive as $2128 with companies like Allstate.

Wildrose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$252	$42
Grinnell Mutual	$283	$48
Nationwide	$302	$51
Progressive	$655	$110
American Family	$711	$120
USAA	$756	$127
State Farm	$882	$148
Nodak	$970	$163
Allied	$1253	$209
Auto-Owners	$1619	$276
Farmers	$1726	$290
Allstate	$2128	$358

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 Wildrose are offered by Nationwide at $195. However, it can be as expensive as $2733 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wildrose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$195	$33
Nodak Mutual	$195	$33
Auto-Owners Insurance Co	$208	$35
American Family	$497	$84
State Farm	$497	$84
USAA	$585	$100
Progressive	$718	$121
Auto-Owners	$882	$149
Nodak	$957	$159
Farmers	$2707	$460
Allstate	$2733	$456

Car Insurance Price Trends in Wildrose, North Dakota

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

The average cost of full coverage in the Wildrose rose by $187 in December compared to $186 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 Wildrose remained steady at $39 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 Wildrose?

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

What is the cheapest car insurance in Wildrose?

The cheapest car insurance in Wildrose is $73 per month for full coverage.

How much is car insurance in Wildrose for teenagers?

Car insurance for teenagers costs $170 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 Wildrose?

The average cost of car insurance is $771 for a six-month policy. It will cost around $137 per month to insure your car in Wildrose.

Is car insurance expensive in Wildrose?

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

What is the best car insurance in Wildrose, ND?

The best car insurance company in Wildrose ND is Nodak Mutual, offering $428 for a six-month policy.