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Get Cheap Car Insurance in Cooperstown, ND
We monitor insurance prices, helping the average driver in Cooperstown save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in Cooperstown
The chart below shows the cheapest car insurance company in Cooperstown 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.
| Cooperstown Insurer | Monthly Cost |
|---|---|
| State Farm | $32 |
| Midvale Home & Auto | $32 |
| American Family Insurance | $33 |
| Auto-Owners Insurance | $36 |
Savings for Every Kind of Cooperstown Driver
Based on our extensive insurance data, we know the average Cooperstown 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 $386 per year by choosing the right vehicle insurance company. Some Cooperstown residents are paying out over $1,389 extra every year for auto insurance in Cooperstown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cooperstown, ND Savings / Yr. |
|---|---|
$386 |
|
$507 |
|
$355 |
|
$460 |
|
$1,100 |
|
$353 |
|
$433 |
Cooperstown Car Insurance vs. North Dakota
People living in Cooperstown pay an average of 2.40% less than the typical driver in the state. The average driver in Cooperstown can expect to pay about $481 per year, or $1,389 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Cooperstown for most people.
Car Insurance Prices by Cooperstown Neighborhood
Insurance Prices
Where is insurance cheapest within Cooperstown?
The map shows insurance prices in and around Cooperstown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $16 per year within the city boundaries, with insurance premiums ranging from a high of $1,404 to a low of $1,388. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Cooperstown.Pick the Best Car Insurance Company for You in Cooperstown
The best car insurance provider for most drivers in Cooperstown
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $386 over the average Cooperstown car insurance company.
The best car insurance provider for Cooperstown drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $507 over the competition.
The best car insurance company for Cooperstown drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $355 better than other car insurance companies.
The best auto insurance for Cooperstown drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $460 less each year.
The least expensive car insurance company for new and young drivers in Cooperstown
In Cooperstown, State Farm costs young drivers $1,100 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cooperstown
State Farm gave the largest car insurance discounts to married couples, averaging $353 saved each year compared to an average Cooperstown couple's premiums.
The cheapest car insurance in Cooperstown for drivers with bad credit
The best Cooperstown car insurance company for customer service
Nationwide was the best company for customer service in Cooperstown according to the NAIC.
Recent price drops
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The cheapest large national provider in Cooperstown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Cooperstown driver can expect to pay about $91 per month.
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 Cooperstown, 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.Auto Insurance Prices in and Around Cooperstown
What Influences the Cost of Car Insurance in Cooperstown?
On average, car insurance in Cooperstown is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Cooperstown is 20 minutes, which is far less than 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 Cooperstown are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Cooperstown is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Cooperstown is $40 per month for minimum coverage and $116 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 Cities
- Shepard: Insurance costs 0.22% more
- Hannaford: Insurance costs 1.08% more
- Jessie: Insurance costs 0.94% more
- Karnak: Insurance costs 0.58% more
- Walum: Insurance costs 1.01% more
- Binford: Insurance costs 1.08% more
- Finley: Insurance costs 2.23% more
- Luverne: Insurance costs 2.59% less
- Sharon: Insurance costs 3.38% more
- Sutton: Insurance costs 1.15% more
Cities with Similar Populations
- Round Mountain: Insurance costs 16.70% more
- Lindside: Insurance costs 5.62% more
- Lodi: Insurance costs 48.38% more
- Loma Rica: Insurance costs 40.32% more
- Looxahoma: Insurance costs 27.86% more
- Lum: Insurance costs 113.03% more
- Rice: Insurance costs 4.46% less
- Rocksprings: Insurance costs 20.16% more
- Rocky Hill: Insurance costs 49.10% more
- Rothsay: Insurance costs 12.81% more