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 Makoti, ND

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

 

Start Saving

;

The Cheapest Minimum Coverage in Makoti

The chart below shows the cheapest car insurance company in Makoti 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.

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

Savings for Every Kind of Makoti Driver

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

Based on our extensive insurance data, we know the average Makoti 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 $412 per year by choosing the right vehicle insurance company. Some Makoti residents are paying out over $1,484 extra every year for auto insurance in Makoti. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Makoti, ND Savings / Yr.
Drivers with good records
$412
Drivers with accidents
$541
Drivers with speeding tickets
$380
Drivers with a DUI conviction
$491
Young drivers
$1,176
Married drivers
$378
Drivers with bad credit
$463

Makoti Car Insurance vs. North Dakota

People living in Makoti pay an average of 4.31% more than the typical driver in the state. The average driver in Makoti can expect to pay about $514 per year, or $1,484 for full coverage.

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

Car Insurance Prices by Makoti Neighborhood

Makoti, ND map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Makoti?

The map shows insurance prices in and around Makoti, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $47 per year within the city boundaries, with insurance premiums ranging from a high of $1,526 to a low of $1,479. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Makoti.

Pick the Best Car Insurance Company for You in Makoti

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 Makoti insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Makoti

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $412 over the average Makoti car insurance company.

Visit Site

We use the average good driver, paying $89 per month, as our baseline for pricing in Makoti. 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 Makoti drivers with accidents on their records

In Makoti getting into an accident will raise premiums an average 32% for a yearly cost of $2,194. That's $709 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 $541 over the competition.

Visit Site

The best car insurance company for Makoti drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $380 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Makoti, tickets raise premiums on new quotes about $392. If you have a speeding ticket, we recommend State Farm, Geico, and Midvale Home & Auto for savings that beat the average insurance cost of $1,877 per year.

The best auto insurance for Makoti drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,894 per year in auto insurance premiums, which was $410 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 $491 less each year.

Visit Site

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

In Makoti, State Farm costs young drivers $1,176 less each year versus the average auto insurance bill.

Visit Site

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 Makoti. With an average cost of $4,571 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 Makoti

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 Makoti.

State Farm gave the largest car insurance discounts to married couples, averaging $378 saved each year compared to an average Makoti couple's premiums.

Visit Site

The cheapest car insurance in Makoti for drivers with bad credit

People with poor credit saved an average of $463 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $925 every year. Premiums for people with poor credit were about $2,410 in Makoti. 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 Makoti car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Makoti, 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 Makoti.

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

Visit Site

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 Makoti, which was better than other insurers.

Visit Site

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 Makoti. 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 Makoti

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Makoti residents who are renting, and don't plan to be in the city 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 Makoti driver can expect to pay about $91 per month.

Visit Site

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 Makoti, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Makoti

What Influences the Cost of Car Insurance in Makoti?

On average, car insurance in Makoti 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 Makoti is 40 minutes, which is far 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 Makoti are lower than average 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.
  • Makoti is a fairly densely populated area 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 Makoti is $43 per month for minimum coverage and $124 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

Cities with Similar Populations

* Who is the average Makoti driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Makoti 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.