Cheapest Car Insurance Quotes in Wishek

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Wishek 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 Wishek

The car insurance rate in Wishek is $756 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $396, making it a popular choice for budget-conscious drivers. Rates in Wishek 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 Wishek

$756

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Wishek

1st place: Nodak Mutual

At $396 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 $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $564 for six months, making it the third cheapest auto insurance company in Wishek.

Wishek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wishek, ND is Nodak Mutual, offering policies at just $396 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $437.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1205 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wishek drivers find the best deals.

Cheap Car Insurance Companies in Wishek, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$396	$68
Nationwide	$437	$74
USAA	$564	$95
American Family	$669	$113
North Star	$675	$115
Progressive	$687	$116
State Farm	$792	$133
Auto-Owners	$885	$147
Nodak	$903	$152
Allstate	$1106	$186
Farmers	$1205	$203

Key Takeaways

Way's key takeaways about car insurance in Wishek

The auto insurance costs in Wishek fall around $396 for six months.
The cheapest auto insurance company in Wishek is North Star.
Teen drivers pay the highest rate in Wishek at $825 per month.

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Cheapest Minimum Liability Car Insurance in Wishek

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 Wishek are given below.

North Star provides the cheapest minimum car insurance coverage in Wishek. Their Average 6 Month Premium is $134. Allstate is the most expensive at $466 for the same period.

Cheapest Liability Coverage in Wishek, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$134	$23
North Star Mutual	$134	$23
USAA	$134	$23
Nationwide	$151	$25
Nodak Mutual	$151	$25
North Star Mutual Insurance	$151	$25
Auto-Owners Insurance Co	$163	$27
Nodak	$186	$31
Auto-Owners	$192	$32
Progressive	$198	$33
State Farm	$198	$33
American Family	$250	$42
Farmers	$448	$75
Allstate	$466	$78

Cheapest Full Coverage Car Insurance in Wishek

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 Wishek is Nodak Mutual at $68 per month and $396 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wishek, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$396	$68
Nationwide	$437	$74
USAA	$564	$95
American Family	$669	$113
North Star	$675	$115
Progressive	$687	$116
State Farm	$792	$133
Auto-Owners	$885	$147
Nodak	$903	$152
Allstate	$1106	$186
Farmers	$1205	$203

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Average Car Insurance in Wishek 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 Wishek, ND increasing?

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

Car Insurance Premiums by Age in Wishek

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 Wishek,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 Wishek at $26 per month. At $4901 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	$157	$26
Nodak Mutual	$163	$27
Nationwide	$180	$30
Auto-Owners Insurance Co	$204	$34
USAA	$699	$118
American Family	$1200	$202
Auto-Owners	$1228	$207
North Star	$1491	$248
Progressive	$1839	$310
State Farm	$1869	$315
Nodak	$2154	$367
Farmers	$4506	$759
Allstate	$4901	$825

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 Wishek, Nationwide is the cheapest car insurance provider. At $221 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 Wishek is State Farm, offering rates of around $2724 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$221	$37
Nodak Mutual	$343	$59
Progressive	$780	$131
American Family	$943	$159
USAA	$966	$161
Nodak	$1683	$286
Allstate	$1723	$287
Farmers	$2166	$368
Auto-Owners	$2631	$438
State Farm	$2724	$464

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Car Insurance Rates with An Accident in Wishek

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

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

The cheapest car insurance companies after an at-fault accident in Wishek include Nationwide and Nodak Mutual, offering $151 and $198, respectively. Farmers is an expensive provider with an average six-month premium of $1630.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$151	$25
Nodak Mutual	$198	$33
Auto-Owners Insurance Co	$227	$38
North Star Mutual	$227	$38
North Star Mutual Insurance	$256	$43
USAA	$396	$67
American Family	$513	$86
Auto-Owners	$513	$86
State Farm	$634	$107
Progressive	$955	$161
Nodak	$984	$166
North Star	$1194	$203
Allstate	$1502	$253
Farmers	$1630	$274

Wishek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wishek ND. For example, the car insurance in Wishek after a DUI increases to $815 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Wishek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1013	$169
One Med/PIP claim	$1013	$172
Not-at-fault accident	$1030	$172
One comp claim	$1048	$178
Two Med/PIP claims	$1048	$174
Two comp claims	$1101	$187
Failure to show documents	$1106	$184
Driving with expired registration	$1129	$192
Failure to wear a seat belt	$1135	$189
Child safety restraint	$1141	$194
Driving without lights	$1141	$190
Cell phone violation	$1164	$198
Failure to yield	$1164	$194
Following too closely	$1164	$198
Illegal turn	$1164	$194
Texting while driving	$1164	$198
Driving too slowly	$1176	$196
Failure to stop at a red light	$1176	$200
Speeding in school zone	$1176	$196
Speeding 6 - 10 MPH over limit	$1188	$202
Wrong way/wrong lane	$1194	$199
Speeding 11 - 15 MPH over limit	$1200	$204
Speeding 16 - 20 MPH over limit	$1211	$202
Speeding 21 - 25 MPH over limit	$1211	$206
Improper passing	$1222	$204
Passing school bus	$1240	$211
In 65 MPH zone	$1246	$208
Operating a vehicle without permission	$1315	$223
At-fault accident - less than $1000	$1333	$222
Open container	$1380	$234
At-fault accident - $1000-$2000	$1392	$232
At-fault accident - greater than $2000	$1392	$236
Driving with a suspended license	$1647	$274
Refusal to submit to a chemical test	$1740	$296
Reckless driving	$1752	$292
DUI	$1828	$311
Racing	$1828	$305
Leaving scene of an accident/hit and run	$1875	$319

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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 Wishek 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 Wishek.

The cheapest car insurance premiums in Wishek are offered by Nodak Mutual at $233 for a six-month policy. However, it can be as expensive as $1968 with companies like Allstate.

Wishek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$233	$39
Grinnell Mutual	$262	$44
Nationwide	$279	$47
Progressive	$606	$102
American Family	$658	$111
USAA	$699	$118
State Farm	$815	$137
Nodak	$897	$151
Allied	$1158	$193
Auto-Owners	$1496	$255
Farmers	$1595	$269
Allstate	$1968	$331

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 Wishek are offered by Nationwide at $180. However, it can be as expensive as $2526 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wishek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$180	$30
Nodak Mutual	$180	$30
Auto-Owners Insurance Co	$192	$32
American Family	$460	$77
State Farm	$460	$77
USAA	$541	$92
Progressive	$663	$112
Auto-Owners	$815	$138
Nodak	$885	$147
Farmers	$2503	$425
Allstate	$2526	$421

Car Insurance Price Trends in Wishek, North Dakota

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

The average cost of full coverage in the Wishek remained steady at $172 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Wishek remained steady at $36 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 Wishek?

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

What is the cheapest car insurance in Wishek?

The cheapest car insurance in Wishek is $68 per month for full coverage.

How much is car insurance in Wishek for teenagers?

Car insurance for teenagers costs $157 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 Wishek?

The average cost of car insurance is $771 for a six-month policy. It will cost around $126 per month to insure your car in Wishek.

Is car insurance expensive in Wishek?

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

What is the best car insurance in Wishek, ND?

The best car insurance company in Wishek ND is Nodak Mutual, offering $396 for a six-month policy.