Cheapest Car Insurance Quotes in Willow City

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Willow City Car Insurance

^$ 23

/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 Willow City

The car insurance rate in Willow City is $779 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Willow 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 Willow City

$779

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Willow City

1st place: Nodak Mutual

At $408 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 $450 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $582 for six months, making it the third cheapest auto insurance company in Willow City.

Willow City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Willow City, ND is Nodak Mutual, offering policies at just $408 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $450.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1242 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Willow City drivers find the best deals.

Cheap Car Insurance Companies in Willow City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$408	$70
Nationwide	$450	$76
USAA	$582	$98
American Family	$690	$116
North Star	$696	$118
Progressive	$708	$119
State Farm	$816	$137
Auto-Owners	$912	$152
Nodak	$930	$157
Allstate	$1140	$192
Farmers	$1242	$209

Key Takeaways

Way's key takeaways about car insurance in Willow City

The auto insurance costs in Willow City fall around $408 for six months.
The cheapest auto insurance company in Willow City is North Star.
Teen drivers pay the highest rate in Willow City at $850 per month.

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

North Star provides the cheapest minimum car insurance coverage in Willow City. Their Average 6 Month Premium is $138. Allstate is the most expensive at $480 for the same period.

Cheapest Liability Coverage in Willow City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$138	$23
North Star Mutual	$138	$23
USAA	$138	$23
Nationwide	$156	$26
Nodak Mutual	$156	$26
North Star Mutual Insurance	$156	$26
Auto-Owners Insurance Co	$168	$28
Nodak	$192	$32
Auto-Owners	$198	$33
Progressive	$204	$34
State Farm	$204	$34
American Family	$258	$43
Farmers	$462	$78
Allstate	$480	$81

Cheapest Full Coverage Car Insurance in Willow 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 Willow City is Nodak Mutual at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Willow City, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$408	$70
Nationwide	$450	$76
USAA	$582	$98
American Family	$690	$116
North Star	$696	$118
Progressive	$708	$119
State Farm	$816	$137
Auto-Owners	$912	$152
Nodak	$930	$157
Allstate	$1140	$192
Farmers	$1242	$209

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Average Car Insurance in Willow 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 Willow City, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Willow 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, Willow 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 Willow 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 Willow 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 Willow City at $27 per month. At $5051 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	$162	$27
Nodak Mutual	$168	$28
Nationwide	$186	$31
Auto-Owners Insurance Co	$210	$35
USAA	$720	$121
American Family	$1236	$208
Auto-Owners	$1266	$213
North Star	$1536	$256
Progressive	$1896	$319
State Farm	$1926	$324
Nodak	$2220	$378
Farmers	$4644	$782
Allstate	$5051	$850

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 Willow City, Nationwide is the cheapest car insurance provider. At $228 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 Willow City is State Farm, offering rates of around $2808 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$228	$38
Nodak Mutual	$354	$61
Progressive	$804	$135
American Family	$972	$164
USAA	$996	$166
Nodak	$1734	$295
Allstate	$1776	$296
Farmers	$2232	$380
Auto-Owners	$2712	$451
State Farm	$2808	$478

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

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

The cheapest car insurance companies after an at-fault accident in Willow City include Nationwide and Nodak Mutual, offering $156 and $204, respectively. Farmers is an expensive provider with an average six-month premium of $1680.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$156	$26
Nodak Mutual	$204	$34
Auto-Owners Insurance Co	$234	$39
North Star Mutual	$234	$39
North Star Mutual Insurance	$264	$44
USAA	$408	$69
American Family	$528	$89
Auto-Owners	$528	$89
State Farm	$653	$110
Progressive	$984	$166
Nodak	$1014	$171
North Star	$1230	$209
Allstate	$1548	$261
Farmers	$1680	$283

Willow City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Willow City ND. For example, the car insurance in Willow City after a DUI increases to $840 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Willow City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1044	$174
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1062	$177
One comp claim	$1080	$184
Two Med/PIP claims	$1080	$180
Two comp claims	$1134	$193
Failure to show documents	$1140	$190
Driving with expired registration	$1164	$198
Failure to wear a seat belt	$1170	$195
Child safety restraint	$1176	$200
Driving without lights	$1176	$196
Cell phone violation	$1200	$204
Failure to yield	$1200	$200
Following too closely	$1200	$204
Illegal turn	$1200	$200
Texting while driving	$1200	$204
Driving too slowly	$1212	$202
Failure to stop at a red light	$1212	$206
Speeding in school zone	$1212	$202
Speeding 6 - 10 MPH over limit	$1224	$208
Wrong way/wrong lane	$1230	$205
Speeding 11 - 15 MPH over limit	$1236	$210
Speeding 16 - 20 MPH over limit	$1248	$208
Speeding 21 - 25 MPH over limit	$1248	$212
Improper passing	$1259	$210
Passing school bus	$1278	$217
In 65 MPH zone	$1284	$214
Operating a vehicle without permission	$1355	$230
At-fault accident - less than $1000	$1374	$229
Open container	$1422	$241
At-fault accident - $1000-$2000	$1434	$239
At-fault accident - greater than $2000	$1434	$243
Driving with a suspended license	$1698	$283
Refusal to submit to a chemical test	$1794	$305
Reckless driving	$1806	$301
DUI	$1884	$320
Racing	$1884	$314
Leaving scene of an accident/hit and run	$1932	$328

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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 Willow 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 Willow City.

The cheapest car insurance premiums in Willow City are offered by Nodak Mutual at $240 for a six-month policy. However, it can be as expensive as $2028 with companies like Allstate.

Willow City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$240	$40
Grinnell Mutual	$270	$45
Nationwide	$288	$48
Progressive	$624	$105
American Family	$678	$114
USAA	$720	$121
State Farm	$840	$141
Nodak	$924	$156
Allied	$1194	$199
Auto-Owners	$1542	$263
Farmers	$1644	$277
Allstate	$2028	$341

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 Willow City are offered by Nationwide at $186. However, it can be as expensive as $2604 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Willow City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$186	$31
Nodak Mutual	$186	$31
Auto-Owners Insurance Co	$198	$33
American Family	$474	$80
State Farm	$474	$80
USAA	$558	$95
Progressive	$684	$115
Auto-Owners	$840	$142
Nodak	$912	$152
Farmers	$2580	$438
Allstate	$2604	$434

Car Insurance Price Trends in Willow City, North Dakota

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

The average cost of full coverage in the Willow City rose by $178 in December compared to $177 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 Willow City remained steady at $37 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 Willow City?

The car insurance in Willow City is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Willow City?

The cheapest car insurance in Willow City is $70 per month for full coverage.

How much is car insurance in Willow City for teenagers?

Car insurance for teenagers costs $162 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 Willow City?

The average cost of car insurance is $771 for a six-month policy. It will cost around $130 per month to insure your car in Willow City.

Is car insurance expensive in Willow City?

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

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

The best car insurance company in Willow City ND is Nodak Mutual, offering $408 for a six-month policy.