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Get Cheap Car Insurance in Bottineau County, ND

We monitor insurance prices, helping the average driver in Bottineau County save up to 27.8% on car insurance.

 

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The Cheapest Minimum Coverage in Bottineau County

The chart below shows the cheapest car insurance company in Bottineau County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Midvale Home & Auto, American Family Insurance, and Auto-Owners Insurance.

 
Bottineau County Insurer Monthly Cost
State Farm $34
Midvale Home & Auto $34
American Family Insurance $35
Auto-Owners Insurance $39

Savings for Every Kind of Bottineau County Driver

The table shows how much the average auto insurance customer in Bottineau County might save by following our recommendations.

Based on our extensive insurance data, we know the average Bottineau County driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $410 per year by choosing the right vehicle insurance company. Some Bottineau County residents are paying out over $1,477 extra every year for auto insurance in Bottineau County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bottineau County, ND Savings / Yr.
Drivers with good records
$410
Drivers with accidents
$539
Drivers with speeding tickets
$378
Drivers with a DUI conviction
$489
Young drivers
$1,170
Married drivers
$376
Drivers with bad credit
$461

Bottineau County Car Insurance vs. North Dakota

People living in Bottineau County pay an average of 3.78% more than the typical driver in the state. The average driver in Bottineau County can expect to pay about $512 per year, or $1,477 for full coverage.

Based on our analysis, MetLife will be the cheapest provider in Bottineau County for most people.

Car Insurance Prices by Bottineau County Neighborhood

Bottineau County, ND map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Bottineau County?

The map shows insurance prices in and around Bottineau County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $37 per year within the county boundaries, with insurance premiums ranging from a high of $1,501 to a low of $1,464. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Bottineau County.

Pick the Best Car Insurance Company for You in Bottineau County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bottineau County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bottineau County

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $410 over the average Bottineau County car insurance company.

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We use the average good driver, paying $89 per month, as our baseline for pricing in Bottineau County. State Farm, Nationwide, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bottineau County drivers with accidents on their records

In Bottineau County getting into an accident will raise premiums an average 32% for a yearly cost of $2,182. That's $706 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Grinnell Mutual, and Midvale Home & Auto are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $539 over the competition.

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The best car insurance company for Bottineau County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $378 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bottineau County, tickets raise premiums on new quotes about $390. If you have a speeding ticket, we recommend State Farm, Geico, and Midvale Home & Auto for savings that beat the average insurance cost of $1,867 per year.

The best auto insurance for Bottineau County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,885 per year in auto insurance premiums, which was $408 more than a driver with no major issues. State Farm, Grinnell Mutual, and Midvale Home & Auto penalized their customers the least for a DUI.

Getting a quote from Grinnell Mutual may cost the average person with a DUI about $489 less each year.

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The least expensive car insurance company for new and young drivers in Bottineau County

In Bottineau County, State Farm costs young drivers $1,170 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Bottineau County. With an average cost of $4,548 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Nationwide, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bottineau County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $59. State Farm, Geico, and Progressive provided the largest discounts to couples living in Bottineau County.

State Farm gave the largest car insurance discounts to married couples, averaging $376 saved each year compared to an average Bottineau County couple's premiums.

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The cheapest car insurance in Bottineau County for drivers with bad credit

People with poor credit saved an average of $461 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $921 every year. Premiums for people with poor credit were about $2,397 in Bottineau County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and American Family Insurance.

The best Bottineau County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bottineau County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Bottineau County.

Nationwide was the best company for customer service in Bottineau County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bottineau County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bottineau County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bottineau County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Bottineau County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Bottineau County driver can expect to pay about $91 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bottineau County, USAA has the best prices for drivers with a DUI conviction, married couples, good drivers, drivers with accidents, drivers with speeding tickets, drivers with bad credit, and young drivers.
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Auto Insurance Prices in and Around Bottineau County

What Influences the Cost of Car Insurance in Bottineau County?

On average, car insurance in Bottineau County is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Bottineau County is 22 minutes, which is about the national average for a driver in the state.
  • North Dakota state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bottineau County are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Bottineau County is a fairly densely populated area in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Bottineau County is $43 per month for minimum coverage and $123 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Bottineau County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bottineau County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.