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Get Cheap Car Insurance in Pembina, ND
We monitor insurance prices, helping the average driver in Pembina save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in Pembina
The chart below shows the cheapest car insurance company in Pembina 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.
| Pembina Insurer | Monthly Cost |
|---|---|
| State Farm | $32 |
| Midvale Home & Auto | $32 |
| American Family Insurance | $33 |
| Auto-Owners Insurance | $36 |
Savings for Every Kind of Pembina Driver
Based on our extensive insurance data, we know the average Pembina 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 $385 per year by choosing the right vehicle insurance company. Some Pembina residents are paying out over $1,388 extra every year for auto insurance in Pembina. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pembina, ND Savings / Yr. |
|---|---|
$385 |
|
$506 |
|
$355 |
|
$459 |
|
$1,099 |
|
$353 |
|
$433 |
Pembina Car Insurance vs. North Dakota
People living in Pembina pay an average of 2.49% less than the typical driver in the state. The average driver in Pembina can expect to pay about $481 per year, or $1,388 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Pembina for most people.
Car Insurance Prices by Pembina Neighborhood
Insurance Prices
Where is insurance cheapest within Pembina?
The map shows insurance prices in and around Pembina, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $29 per year within the city boundaries, with insurance premiums ranging from a high of $1,414 to a low of $1,385. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Pembina.Pick the Best Car Insurance Company for You in Pembina
The best car insurance provider for most drivers in Pembina
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $385 over the average Pembina car insurance company.
The best car insurance provider for Pembina 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 $506 over the competition.
The best car insurance company for Pembina 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 Pembina drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $459 less each year.
The least expensive car insurance company for new and young drivers in Pembina
In Pembina, State Farm costs young drivers $1,099 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pembina
State Farm gave the largest car insurance discounts to married couples, averaging $353 saved each year compared to an average Pembina couple's premiums.
The cheapest car insurance in Pembina for drivers with bad credit
The best Pembina car insurance company for customer service
Recent price drops
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The cheapest large national provider in Pembina
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Pembina 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 Pembina, 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 Pembina
What Influences the Cost of Car Insurance in Pembina?
On average, car insurance in Pembina 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 Pembina 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 22 to 23 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Pembina are higher 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.
- Pembina has an average population density 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 Pembina 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
- St. Vincent: Insurance costs 16.07% more
- Humboldt: Insurance costs 16.07% more
- Bathgate: Insurance costs 1.80% more
- Northcote: Insurance costs 16.07% more
- Neche: Insurance costs 2.02% more
- Hamilton: Insurance costs 1.44% more
- Orleans: Insurance costs 16.14% more
- Hallock: Insurance costs 19.52% more
- Glasston: Insurance costs 1.15% more
- Mattson: Insurance costs 16.07% more
Cities with Similar Populations
- Stevensville: Insurance costs 0.79% less
- Lake Carey: Insurance costs 1.87% less
- Laketon: Insurance costs 17.51% less
- Skippers: Insurance costs 10.66% less
- South Boston: Insurance costs 13.40% less
- Southport: Insurance costs 70.82% more
- Spaulding: Insurance costs 23.27% more
- Spruce: Insurance costs 20.10% less
- St. Marys: Insurance costs 0.72% less
- St. Onge: Insurance costs 18.30% more