Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Lostwood, ND
We monitor insurance prices, helping the average driver in Lostwood save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in Lostwood
The chart below shows the cheapest car insurance company in Lostwood 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.
| Lostwood Insurer | Monthly Cost |
|---|---|
| State Farm | $35 |
| Midvale Home & Auto | $35 |
| American Family Insurance | $36 |
| Auto-Owners Insurance | $40 |
Savings for Every Kind of Lostwood Driver
Based on our extensive insurance data, we know the average Lostwood 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 $422 per year by choosing the right vehicle insurance company. Some Lostwood residents are paying out over $1,522 extra every year for auto insurance in Lostwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lostwood, ND Savings / Yr. |
|---|---|
$422 |
|
$555 |
|
$389 |
|
$504 |
|
$1,205 |
|
$387 |
|
$475 |
Lostwood Car Insurance vs. North Dakota
People living in Lostwood pay an average of 6.95% more than the typical driver in the state. The average driver in Lostwood can expect to pay about $527 per year, or $1,522 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Lostwood for most people.
Car Insurance Prices by Lostwood Neighborhood
Insurance Prices
Where is insurance cheapest within Lostwood?
The map shows insurance prices in and around Lostwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $8 per year within the city boundaries, with insurance premiums ranging from a high of $1,523 to a low of $1,515. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Lostwood.Pick the Best Car Insurance Company for You in Lostwood
The best car insurance provider for most drivers in Lostwood
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $422 over the average Lostwood car insurance company.
The best car insurance provider for Lostwood 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 $555 over the competition.
The best car insurance company for Lostwood drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $389 better than other car insurance companies.
The best auto insurance for Lostwood drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $504 less each year.
The least expensive car insurance company for new and young drivers in Lostwood
In Lostwood, State Farm costs young drivers $1,205 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lostwood
State Farm gave the largest car insurance discounts to married couples, averaging $387 saved each year compared to an average Lostwood couple's premiums.
The cheapest car insurance in Lostwood for drivers with bad credit
The best Lostwood car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lostwood, which was better than other insurers.
The cheapest large national provider in Lostwood
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lostwood 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 Lostwood, 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 Lostwood
What Influences the Cost of Car Insurance in Lostwood?
On average, car insurance in Lostwood 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 city are influenced by the following factors:
- The average commute time in Lostwood is 29 minutes, which is a little more 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 Lostwood are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Lostwood is one of the most densely populated areas in the state. The city’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 Lostwood is $44 per month for minimum coverage and $127 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
- Lunds Valley: Insurance costs 0.26% less
- Stanley: Insurance costs 4.20% less
- Niobe: Insurance costs 1.25% less
- Palermo: Insurance costs 0.07% more
- Powers Lake: Insurance costs 0.59% less
- Kenaston: Insurance costs 2.56% less
- Ross: Insurance costs 0.20% less
- Coteau: Insurance costs 0.46% less
- Blaisdell: Insurance costs 0.07% more
- Kenmare: Insurance costs 2.30% less
Cities with Similar Populations
- Huelo: Insurance costs 12.09% less
- Homan: Insurance costs 9.46% more
- Homestead: Insurance costs 83.64% more
- Wilmore: Insurance costs 3.48% more
- Wills Creek: Insurance costs 27.40% less
- Hortense: Insurance costs 15.37% more
- Willowbrook: Insurance costs 0.26% less
- Willow Shade: Insurance costs 39.09% more
- Howells Crossroads: Insurance costs 5.39% more
- Willow: Insurance costs 10.58% less