Cheap Quotes for Underwood, ND Car Insurance (2021)

Underwood, North Dakota car insurance rates average $360 a month and North Dakota law requires coverage of at least 25/50/25. By comparing rates from multiple Underwood, ND companies, you can find cheap Underwood 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 Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • Average car insurance rates in Underwood, ND are $360/month
  • Underwood has an average commute time of 19.9 minutes
  • The cheapest car insurance company in Underwood is USAA

How do the Underwood, North Dakota monthly average car insurance rates of $360/month compare to nearby cities like Dickinson car insurance rates, Grand Forks car insurance rates, and Watford City car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Underwood, ND.

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

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

What are the minimum Underwood, ND car insurance requirements?

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

Minimum Required Car Insurance Coverage in Underwood, 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 Underwood, ND car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Underwood, 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 $2,922 $2,968 $2,552 $2,718 $10,585 $12,334 $3,275 $3,564
American Family $2,627 $2,627 $2,382 $2,382 $5,680 $8,173 $2,627 $3,065
Farmers $1,856 $1,818 $1,656 $1,726 $6,720 $6,880 $2,109 $2,225
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 $1,935 $1,991 $1,729 $1,853 $4,255 $5,290 $2,195 $2,341
Progressive $2,188 $2,090 $1,768 $1,833 $7,825 $8,747 $2,676 $2,698
State Farm $1,793 $1,793 $1,575 $1,575 $4,879 $6,182 $2,000 $2,257
USAA $1,105 $1,097 $900 $903 $3,802 $4,593 $1,590 $1,730

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,585 $12,334
American Family $5,680 $8,173
Farmers $6,720 $6,880
GEICO $4,150 $5,218
Liberty Mutual $28,822 $32,136
Nationwide $4,255 $5,290
Progressive $7,825 $8,747
State Farm $4,879 $6,182
USAA $3,802 $4,593

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,552 $2,718
American Family $2,382 $2,382
Farmers $1,656 $1,726
GEICO $1,863 $1,884
Liberty Mutual $5,827 $7,059
Nationwide $1,729 $1,853
Progressive $1,768 $1,833
State Farm $1,575 $1,575
USAA $900 $903

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

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

Insurance Company Low Medium High
Allstate $5,025 $5,113 $5,206
American Family $3,794 $3,876 $3,416
Farmers $3,051 $3,110 $3,210
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,831 $13,056 $13,445
Nationwide $2,635 $2,684 $2,776
Progressive $3,619 $3,714 $3,852
State Farm $2,691 $2,764 $2,816
USAA $1,915 $1,966 $2,014

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

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

Annual Underwood, North Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,205 $4,598 $6,837 $4,819
American Family $2,702 $3,858 $5,130 $3,091
Farmers $2,630 $3,360 $3,318 $3,187
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $11,630 $13,123 $14,263 $13,426
Nationwide $1,978 $2,747 $3,812 $2,257
Progressive $3,447 $4,220 $3,484 $3,761
State Farm $2,559 $2,955 $2,757 $2,757
USAA $1,397 $1,976 $2,763 $1,724

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,837
American Family $5,130
Farmers $3,318
GEICO $4,084
Liberty Mutual $14,263
Nationwide $3,812
Progressive $3,484
State Farm $2,757
USAA $2,763

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

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

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

Insurance Company Poor Fair Good
Allstate $6,424 $4,905 $4,015
American Family $4,868 $3,373 $2,845
Farmers $3,616 $2,952 $2,803
GEICO $3,222 $2,595 $2,265
Liberty Mutual $19,074 $11,368 $8,889
Nationwide $3,293 $2,555 $2,248
Progressive $4,321 $3,594 $3,270
State Farm $3,857 $2,452 $1,962
USAA $2,713 $1,718 $1,464

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

Underwood, 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 Underwood if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,989 $5,241
American Family $3,650 $3,741
Farmers $3,124 $3,124
GEICO $2,663 $2,724
Liberty Mutual $13,110 $13,110
Nationwide $2,699 $2,699
Progressive $3,728 $3,728
State Farm $2,683 $2,831
USAA $1,945 $1,985

Who has the cheapest Underwood, ND car insurance rates?

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

Best Annual Car Insurance Rates by Company in Underwood, 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

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What are the top Underwood, ND car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $5,115
American Family $3,695
Farmers $3,124
GEICO $2,694
Liberty Mutual $13,110
Nationwide $2,699
Progressive $3,728
State Farm $2,757
USAA $1,965

What factors affect Underwood, ND car insurance rates?

Why are Underwood, North Dakota car insurance rates different than rates in Dickinson or Grand Forks? 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 Underwood, ND?

More time spent behind the wheel can lead to higher Underwood, North Dakota car insurance rates. In Underwood, ND, the average commute length is 19.9 minutes.

Car Insurance Quotes for Underwood, ND

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