Cheap Quotes for Bottineau, ND Car Insurance (2021)

Bottineau, North Dakota car insurance rates average $357 a month and North Dakota law requires coverage of at least 25/50/25. By comparing rates from multiple Bottineau, ND companies, you can find cheap Bottineau car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Bottineau is USAA
  • Average car insurance rates in Bottineau, ND after a DUI are $5,139/year
  • Average car insurance rates in Bottineau, ND are $357/month

How do the Bottineau, North Dakota monthly average car insurance rates of $357/month compare to nearby cities like Grand Forks car insurance rates, Wahpeton car insurance rates, and Williston car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Bottineau, ND.

We’ll cover the North Dakota minimum coverage requirements, North Dakota car insurance laws, and Bottineau, ND statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Bottineau, North Dakota companies to find the most affordable Bottineau car insurance rates.

Enter your ZIP code above to find cheap Bottineau, ND car insurance quotes today.

What are the minimum Bottineau, ND car insurance requirements?

To meet North Dakota minimum car insurance coverage requirements, Bottineau, ND drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Bottineau, North Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Bottineau, ND Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Bottineau, ND you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Bottineau, North Dakota

ZIP Code Average Annual Rates
58318 $4,509
58762 $4,581

How do age, gender, and marital status affect Bottineau, ND car insurance rates?

Three of the criteria that most affect car insurance rates in Bottineau, North Dakota are age, gender, and marital status. Let’s take a look at how each of these stack up with top Bottineau car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bottineau, North Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,554 $2,557 $2,263 $2,397 $9,912 $11,680 $2,803 $3,030
American Family $2,898 $2,898 $2,612 $2,612 $6,100 $8,820 $2,898 $3,396
Farmers $1,882 $1,844 $1,681 $1,750 $6,815 $6,976 $2,145 $2,267
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $7,257 $7,845 $5,827 $7,059 $28,822 $32,136 $7,599 $8,338
Nationwide $1,886 $1,936 $1,689 $1,805 $4,197 $5,200 $2,146 $2,282
Progressive $2,034 $1,937 $1,642 $1,707 $7,447 $8,319 $2,487 $2,516
State Farm $1,793 $1,793 $1,575 $1,575 $4,879 $6,182 $2,000 $2,257
USAA $1,139 $1,131 $927 $930 $3,928 $4,747 $1,640 $1,784

How much do teen drivers pay for car insurance in Bottineau, ND?

Bottineau, North Dakota car insurance rates for teens are often higher than rates for other drivers. Compare Bottineau car insurance rates from multiple Bottineau, North Dakota car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Bottineau, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,912 $11,680
American Family $6,100 $8,820
Farmers $6,815 $6,976
GEICO $4,150 $5,218
Liberty Mutual $28,822 $32,136
Nationwide $4,197 $5,200
Progressive $7,447 $8,319
State Farm $4,879 $6,182
USAA $3,928 $4,747

How much do senior drivers pay for car insurance in Bottineau, ND?

With a little research, seniors can find affordable car insurance in Bottineau, North Dakota. Here’s a look at how the top Bottineau car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Bottineau, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,263 $2,397
American Family $2,612 $2,612
Farmers $1,681 $1,750
GEICO $1,863 $1,884
Liberty Mutual $5,827 $7,059
Nationwide $1,689 $1,805
Progressive $1,642 $1,707
State Farm $1,575 $1,575
USAA $927 $930

How does coverage level affect Bottineau, ND car insurance rates?

How much coverage do you need? Are you comfortable with the North Dakota minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Bottineau, ND car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Bottineau, North Dakota

Insurance Company Low Medium High
Allstate $4,564 $4,648 $4,737
American Family $4,159 $4,230 $3,699
Farmers $3,101 $3,157 $3,252
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,831 $13,056 $13,445
Nationwide $2,580 $2,629 $2,719
Progressive $3,405 $3,497 $3,632
State Farm $2,691 $2,764 $2,816
USAA $1,977 $2,030 $2,079

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How does your driving record affect Bottineau, ND car insurance rates?

Safe driving pays off. The more traffic violations you have in Bottineau, ND, the higher your car insurance rates will be. Compare rates based on driving infractions from top Bottineau, North Dakota companies.

Annual Bottineau, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,757 $4,139 $6,324 $4,377
American Family $2,948 $4,196 $5,597 $3,375
Farmers $2,666 $3,408 $3,368 $3,238
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $11,630 $13,123 $14,263 $13,426
Nationwide $1,944 $2,690 $3,722 $2,214
Progressive $3,243 $3,985 $3,280 $3,537
State Farm $2,559 $2,955 $2,757 $2,757
USAA $1,441 $2,040 $2,854 $1,779

How does a DUI affect Bottineau, ND car insurance rates?

With even one DUI on your record, you can see an increase in your Bottineau, ND car insurance rates.

Annual Car Insurance Rates After a DUI in Bottineau, North Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,324
American Family $5,597
Farmers $3,368
GEICO $4,084
Liberty Mutual $14,263
Nationwide $3,722
Progressive $3,280
State Farm $2,757
USAA $2,854

How does your credit history affect Bottineau, ND car insurance rates?

Take a look at the data here to see how your Bottineau, North Dakota car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Bottineau, North Dakota

Insurance Company Poor Fair Good
Allstate $5,866 $4,460 $3,622
American Family $5,292 $3,681 $3,115
Farmers $3,671 $2,995 $2,844
GEICO $3,222 $2,595 $2,265
Liberty Mutual $19,074 $11,368 $8,889
Nationwide $3,222 $2,504 $2,201
Progressive $4,060 $3,387 $3,087
State Farm $3,857 $2,452 $1,962
USAA $2,801 $1,773 $1,511

How does your commute affect Bottineau, ND car insurance rates?

Bottineau, ND car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for North Dakota can be seen here. Remember, though, that you may have to carry substantially more car insurance in Bottineau if you’re financing.

Annual Car Insurance Rates by Commute Length in Bottineau, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,535 $4,763
American Family $3,979 $4,079
Farmers $3,170 $3,170
GEICO $2,663 $2,724
Liberty Mutual $13,110 $13,110
Nationwide $2,643 $2,643
Progressive $3,511 $3,511
State Farm $2,683 $2,831
USAA $2,008 $2,049

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Who has the cheapest Bottineau, ND car insurance rates?

Here’s a breakdown of Bottineau, North Dakota car insurance rates by company. You can see which company offers the cheapest Bottineau car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Bottineau, North Dakota

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Bottineau, ND car insurance companies?

Which Bottineau, North Dakota car insurance company will best fit your needs and budget? Check out this comparison of the top Bottineau companies to find the one for you.

Average Annual Car Insurance Rates by Company in Bottineau, North Dakota

Insurance Company Average Annual Rates
Allstate $4,649
American Family $4,029
Farmers $3,170
GEICO $2,694
Liberty Mutual $13,110
Nationwide $2,643
Progressive $3,511
State Farm $2,757
USAA $2,028

What factors affect Bottineau, ND car insurance rates?

Why are Bottineau, North Dakota car insurance rates different than rates in Grand Forks or Wahpeton? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Bottineau, ND?

More time spent behind the wheel can lead to higher Bottineau, North Dakota car insurance rates. In Bottineau, ND, the average commute length is 14.3 minutes.

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Car Insurance Quotes for Bottineau, ND

Shop for affordable Bottineau, North Dakota car insurance rates today. Enter your ZIP code to compare quotes from multiple Bottineau, ND car insurance companies.

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