Cheapest Car Insurance Quotes in Wolford

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Wolford 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 Wolford

The car insurance rate in Wolford is $794 for a six-month policy, which is $23 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Wolford 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 Wolford

$794

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Wolford

1st place: Nodak Mutual

At $416 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 $459 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $593 for six months, making it the third cheapest auto insurance company in Wolford.

Wolford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wolford, ND is Nodak Mutual, offering policies at just $416 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $459.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1267 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wolford drivers find the best deals.

Cheap Car Insurance Companies in Wolford, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$416	$71
Nationwide	$459	$77
USAA	$593	$100
American Family	$703	$118
North Star	$710	$121
Progressive	$722	$122
State Farm	$832	$140
Auto-Owners	$930	$155
Nodak	$949	$160
Allstate	$1163	$196
Farmers	$1267	$213

Key Takeaways

Way's key takeaways about car insurance in Wolford

The auto insurance costs in Wolford fall around $416 for six months.
The cheapest auto insurance company in Wolford is North Star.
Teen drivers pay the highest rate in Wolford at $867 per month.

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Cheapest Minimum Liability Car Insurance in Wolford

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 Wolford are given below.

North Star provides the cheapest minimum car insurance coverage in Wolford. Their Average 6 Month Premium is $141. Allstate is the most expensive at $489 for the same period.

Cheapest Liability Coverage in Wolford, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$141	$24
North Star Mutual	$141	$24
USAA	$141	$24
Nationwide	$159	$27
Nodak Mutual	$159	$27
North Star Mutual Insurance	$159	$27
Auto-Owners Insurance Co	$171	$29
Nodak	$196	$33
Auto-Owners	$202	$34
Progressive	$208	$35
State Farm	$208	$35
American Family	$263	$44
Farmers	$471	$79
Allstate	$489	$82

Cheapest Full Coverage Car Insurance in Wolford

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 Wolford is Nodak Mutual at $71 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wolford, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$416	$71
Nationwide	$459	$77
USAA	$593	$100
American Family	$703	$118
North Star	$710	$121
Progressive	$722	$122
State Farm	$832	$140
Auto-Owners	$930	$155
Nodak	$949	$160
Allstate	$1163	$196
Farmers	$1267	$213

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Average Car Insurance in Wolford 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 Wolford, ND increasing?

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

Car Insurance Premiums by Age in Wolford

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 Wolford,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 Wolford at $28 per month. At $5151 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	$165	$28
Nodak Mutual	$171	$29
Nationwide	$190	$32
Auto-Owners Insurance Co	$214	$36
USAA	$734	$124
American Family	$1261	$212
Auto-Owners	$1291	$217
North Star	$1567	$261
Progressive	$1933	$325
State Farm	$1964	$331
Nodak	$2264	$385
Farmers	$4736	$797
Allstate	$5151	$867

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 Wolford, Nationwide is the cheapest car insurance provider. At $233 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 Wolford is State Farm, offering rates of around $2863 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$233	$39
Nodak Mutual	$361	$62
Progressive	$820	$138
American Family	$991	$167
USAA	$1016	$169
Nodak	$1769	$301
Allstate	$1811	$302
Farmers	$2276	$387
Auto-Owners	$2766	$460
State Farm	$2863	$487

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Car Insurance Rates with An Accident in Wolford

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

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

The cheapest car insurance companies after an at-fault accident in Wolford include Nationwide and Nodak Mutual, offering $159 and $208, respectively. Farmers is an expensive provider with an average six-month premium of $1713.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$159	$27
Nodak Mutual	$208	$35
Auto-Owners Insurance Co	$239	$40
North Star Mutual	$239	$40
North Star Mutual Insurance	$269	$45
USAA	$416	$70
American Family	$539	$91
Auto-Owners	$539	$91
State Farm	$666	$112
Progressive	$1003	$169
Nodak	$1034	$174
North Star	$1255	$213
Allstate	$1579	$266
Farmers	$1713	$288

Wolford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wolford ND. For example, the car insurance in Wolford after a DUI increases to $856 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Wolford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1065	$177
One Med/PIP claim	$1065	$181
Not-at-fault accident	$1083	$180
One comp claim	$1101	$187
Two Med/PIP claims	$1101	$183
Two comp claims	$1157	$197
Failure to show documents	$1163	$194
Driving with expired registration	$1187	$202
Failure to wear a seat belt	$1193	$199
Child safety restraint	$1199	$204
Driving without lights	$1199	$200
Cell phone violation	$1224	$208
Failure to yield	$1224	$204
Following too closely	$1224	$208
Illegal turn	$1224	$204
Texting while driving	$1224	$208
Driving too slowly	$1236	$206
Failure to stop at a red light	$1236	$210
Speeding in school zone	$1236	$206
Speeding 6 - 10 MPH over limit	$1248	$212
Wrong way/wrong lane	$1255	$209
Speeding 11 - 15 MPH over limit	$1261	$214
Speeding 16 - 20 MPH over limit	$1273	$212
Speeding 21 - 25 MPH over limit	$1273	$216
Improper passing	$1284	$214
Passing school bus	$1303	$221
In 65 MPH zone	$1309	$218
Operating a vehicle without permission	$1382	$235
At-fault accident - less than $1000	$1401	$234
Open container	$1450	$246
At-fault accident - $1000-$2000	$1463	$244
At-fault accident - greater than $2000	$1463	$248
Driving with a suspended license	$1731	$288
Refusal to submit to a chemical test	$1829	$311
Reckless driving	$1842	$307
DUI	$1921	$327
Racing	$1921	$320
Leaving scene of an accident/hit and run	$1970	$335

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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 Wolford 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 Wolford.

The cheapest car insurance premiums in Wolford are offered by Nodak Mutual at $245 for a six-month policy. However, it can be as expensive as $2068 with companies like Allstate.

Wolford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$245	$41
Grinnell Mutual	$275	$46
Nationwide	$294	$49
Progressive	$637	$107
American Family	$691	$116
USAA	$734	$124
State Farm	$857	$144
Nodak	$942	$159
Allied	$1217	$203
Auto-Owners	$1573	$268
Farmers	$1677	$282
Allstate	$2068	$348

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 Wolford are offered by Nationwide at $190. However, it can be as expensive as $2655 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wolford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$190	$32
Nodak Mutual	$190	$32
Auto-Owners Insurance Co	$202	$34
American Family	$483	$81
State Farm	$483	$81
USAA	$569	$97
Progressive	$697	$117
Auto-Owners	$857	$145
Nodak	$930	$155
Farmers	$2631	$447
Allstate	$2655	$443

Car Insurance Price Trends in Wolford, North Dakota

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

The average cost of full coverage in the Wolford rose by $181 in December compared to $180 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 Wolford 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 Wolford?

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

What is the cheapest car insurance in Wolford?

The cheapest car insurance in Wolford is $71 per month for full coverage.

How much is car insurance in Wolford for teenagers?

Car insurance for teenagers costs $165 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 Wolford?

The average cost of car insurance is $771 for a six-month policy. It will cost around $133 per month to insure your car in Wolford.

Is car insurance expensive in Wolford?

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

What is the best car insurance in Wolford, ND?

The best car insurance company in Wolford ND is Nodak Mutual, offering $416 for a six-month policy.