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Get Cheap Car Insurance in Menoken, ND

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

 

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The Cheapest Minimum Coverage in Menoken

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

 
Menoken Insurer Monthly Cost
State Farm $32
Midvale Home & Auto $32
American Family Insurance $33
Auto-Owners Insurance $37

Savings for Every Kind of Menoken Driver

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

Based on our extensive insurance data, we know the average Menoken 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 $389 per year by choosing the right vehicle insurance company. Some Menoken residents are paying out over $1,402 extra every year for auto insurance in Menoken. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Menoken Car Insurance vs. North Dakota

People living in Menoken pay an average of 1.51% less than the typical driver in the state. The average driver in Menoken can expect to pay about $486 per year, or $1,402 for full coverage.

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

Car Insurance Prices by Menoken Neighborhood

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

Insurance Prices

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Where is insurance cheapest within Menoken?

The map shows insurance prices in and around Menoken, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $9 per year within the city boundaries, with insurance premiums ranging from a high of $1,410 to a low of $1,401. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Menoken.

Pick the Best Car Insurance Company for You in Menoken

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

The best car insurance provider for most drivers in Menoken

For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $389 over the average Menoken car insurance company.

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We use the average good driver, paying $84 per month, as our baseline for pricing in Menoken. 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 Menoken drivers with accidents on their records

In Menoken getting into an accident will raise premiums an average 32% for a yearly cost of $2,071. That's $670 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 $511 over the competition.

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The best car insurance company for Menoken drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $359 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 Menoken, tickets raise premiums on new quotes about $370. If you have a speeding ticket, we recommend State Farm, Geico, and Midvale Home & Auto for savings that beat the average insurance cost of $1,772 per year.

The best auto insurance for Menoken drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,789 per year in auto insurance premiums, which was $387 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 $464 less each year.

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

In Menoken, State Farm costs young drivers $1,110 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 Menoken. With an average cost of $4,316 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 Menoken

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $56. State Farm, Geico, and Progressive provided the largest discounts to couples living in Menoken.

State Farm gave the largest car insurance discounts to married couples, averaging $357 saved each year compared to an average Menoken couple's premiums.

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The cheapest car insurance in Menoken for drivers with bad credit

People with poor credit saved an average of $437 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $874 every year. Premiums for people with poor credit were about $2,275 in Menoken. 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 Menoken car insurance company for customer service

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

Nationwide was the best company for customer service in Menoken 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 Menoken, 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 Menoken. 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 Menoken

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 4.9% of Menoken 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 Menoken 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 Menoken, 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 Menoken

What Influences the Cost of Car Insurance in Menoken?

On average, car insurance in Menoken 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 Menoken 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 22 to 23 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Menoken are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Menoken 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 Menoken is $40 per month for minimum coverage and $117 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

  • Lincoln: Insurance costs 0.78% more
  • Bismarck: Insurance costs 1.43% more
  • Mckenzie: Insurance costs 0.43% more
  • Livona: Insurance costs 1.28% more
  • Huff: Insurance costs 1.57% more
  • Sterling: Insurance costs 0.36% more
  • Baldwin: Insurance costs 2.07% more
  • Mandan: Insurance costs 1.57% more
  • Moffit: Insurance costs 0.78% more
  • Fort Rice: Insurance costs 4.78% more

Cities with Similar Populations

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