Cheap Quotes for Kensal, ND Car Insurance (2021)

Kensal, North Dakota car insurance rates average $338 a month and North Dakota law requires coverage of at least 25/50/25. By comparing rates from multiple Kensal, ND companies, you can find cheap Kensal 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 Kensal is USAA
  • Average car insurance rates in Kensal, ND for senior drivers are $2,204/year
  • Average car insurance rates in Kensal, ND are $338/month

How do the Kensal, North Dakota monthly average car insurance rates of $338/month compare to nearby cities like Wahpeton car insurance rates, Minot car insurance rates, and Dickinson car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Kensal, ND.

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

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

What are the minimum Kensal, ND car insurance requirements?

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

Minimum Required Car Insurance Coverage in Kensal, 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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How do age, gender, and marital status affect Kensal, ND car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kensal, 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 $2,425 $2,429 $2,150 $2,276 $9,288 $10,910 $2,659 $2,868
American Family $2,898 $2,898 $2,612 $2,612 $6,100 $8,820 $2,898 $3,396
Farmers $1,847 $1,815 $1,652 $1,717 $6,476 $6,640 $2,090 $2,209
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $6,807 $7,353 $5,469 $6,626 $27,123 $30,234 $7,120 $7,800
Nationwide $1,640 $1,676 $1,474 $1,569 $3,702 $4,556 $1,872 $1,983
Progressive $2,078 $1,994 $1,683 $1,738 $7,312 $8,187 $2,551 $2,573
State Farm $1,412 $1,412 $1,248 $1,248 $3,947 $4,991 $1,579 $1,787
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 Kensal, ND?

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,288 $10,910
American Family $6,100 $8,820
Farmers $6,476 $6,640
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,702 $4,556
Progressive $7,312 $8,187
State Farm $3,947 $4,991
USAA $3,928 $4,747

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,150 $2,276
American Family $2,612 $2,612
Farmers $1,652 $1,717
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,474 $1,569
Progressive $1,683 $1,738
State Farm $1,248 $1,248
USAA $927 $930

How does coverage level affect Kensal, 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 Kensal, ND car insurance rates will be. Let’s take a look.

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

Insurance Company Low Medium High
Allstate $4,286 $4,374 $4,467
American Family $4,159 $4,230 $3,699
Farmers $2,989 $3,043 $3,135
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,247 $2,297 $2,383
Progressive $3,420 $3,504 $3,620
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

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

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

Annual Kensal, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,549 $3,907 $5,926 $4,121
American Family $2,948 $4,196 $5,597 $3,375
Farmers $2,581 $3,283 $3,240 $3,119
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $10,928 $12,332 $13,395 $12,612
Nationwide $1,714 $2,351 $3,228 $1,944
Progressive $3,254 $3,968 $3,287 $3,550
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,926
American Family $5,597
Farmers $3,240
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,228
Progressive $3,287
State Farm $2,203
USAA $2,854

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

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

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

Insurance Company Poor Fair Good
Allstate $5,513 $4,198 $3,417
American Family $5,292 $3,681 $3,115
Farmers $3,541 $2,884 $2,742
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,807 $2,194 $1,927
Progressive $4,079 $3,386 $3,079
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

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

Kensal, 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 Kensal if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,269 $4,483
American Family $3,979 $4,079
Farmers $3,056 $3,056
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,309 $2,309
Progressive $3,514 $3,514
State Farm $2,144 $2,262
USAA $2,008 $2,049

Who has the cheapest Kensal, ND car insurance rates?

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

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

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

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What are the top Kensal, ND car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $4,376
American Family $4,029
Farmers $3,056
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,309
Progressive $3,514
State Farm $2,203
USAA $2,028

What factors affect Kensal, ND car insurance rates?

Why are Kensal, North Dakota car insurance rates different than rates in Wahpeton or Minot? 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 Kensal, ND?

More time spent behind the wheel can lead to higher Kensal, North Dakota car insurance rates. In Kensal, ND, the average commute length is 21.7 minutes.

Car Insurance Quotes for Kensal, ND

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