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Get Cheap Car Insurance in St. Thomas, ND
We monitor insurance prices, helping the average driver in St. Thomas save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in St. Thomas
The chart below shows the cheapest car insurance company in St. Thomas 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.
| St. Thomas Insurer | Monthly Cost |
|---|---|
| State Farm | $32 |
| Midvale Home & Auto | $33 |
| American Family Insurance | $33 |
| Auto-Owners Insurance | $37 |
Savings for Every Kind of St. Thomas Driver
Based on our extensive insurance data, we know the average St. Thomas 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 $391 per year by choosing the right vehicle insurance company. Some St. Thomas residents are paying out over $1,409 extra every year for auto insurance in St. Thomas. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
St. Thomas, ND Savings / Yr. |
|---|---|
$391 |
|
$514 |
|
$361 |
|
$466 |
|
$1,116 |
|
$359 |
|
$440 |
St. Thomas Car Insurance vs. North Dakota
People living in St. Thomas pay an average of 0.96% less than the typical driver in the state. The average driver in St. Thomas can expect to pay about $488 per year, or $1,409 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in St. Thomas for most people.
Car Insurance Prices by St. Thomas Neighborhood
Insurance Prices
Where is insurance cheapest within St. Thomas?
The map shows insurance prices in and around St. Thomas, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,409 to a low of $1,409. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of St. Thomas.Pick the Best Car Insurance Company for You in St. Thomas
The best car insurance provider for most drivers in St. Thomas
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $391 over the average St. Thomas car insurance company.
The best car insurance provider for St. Thomas 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 $514 over the competition.
The best car insurance company for St. Thomas drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $361 better than other car insurance companies.
The best auto insurance for St. Thomas drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $466 less each year.
The least expensive car insurance company for new and young drivers in St. Thomas
In St. Thomas, State Farm costs young drivers $1,116 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in St. Thomas
State Farm gave the largest car insurance discounts to married couples, averaging $359 saved each year compared to an average St. Thomas couple's premiums.
The cheapest car insurance in St. Thomas for drivers with bad credit
The best St. Thomas car insurance company for customer service
Nationwide was the best company for customer service in St. Thomas according to the NAIC.
Recent price drops
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The cheapest large national provider in St. Thomas
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average St. Thomas 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 St. Thomas, 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 St. Thomas
What Influences the Cost of Car Insurance in St. Thomas?
On average, car insurance in St. Thomas 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 St. Thomas is 25 minutes, which is about the national 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 St. Thomas 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.
- St. Thomas is a lightly populated area 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 St. Thomas is $41 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
- Glasston: Insurance costs 0.35% less
- Crystal: Insurance costs 0.64% more
- Canton City: Insurance costs 1.35% less
- Cashel: Insurance costs 1.56% less
- Hamilton: Insurance costs 0.07% less
- Hoople: Insurance costs 0.99% less
- Nash: Insurance costs 1.35% less
- Drayton: Insurance costs 0.28% less
- Cavalier: Insurance costs 0.71% more
- Hensel: Insurance costs 0.14% less
Cities with Similar Populations
- Jefferson: Insurance costs 9.65% more
- Shoal: Insurance costs 13.77% less
- Shoal Creek: Insurance costs 18.74% more
- Shiloh: Insurance costs 104.40% more
- Sherando: Insurance costs 19.23% less
- Sharon Center: Insurance costs 8.80% less
- Scranton: Insurance costs 11.21% less
- Keswick: Insurance costs 25.34% more
- Kattelville: Insurance costs 48.69% more
- Kamay: Insurance costs 21.15% more