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Jerry Data & Research
Cheapest car insurance in Williston, North Dakota (Nov 2024)
Cheapest car insurance in Williston, North Dakota (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Williston, North Dakota.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Williston
- How to find the cheapest car insurance in Williston
- Best cheap car insurance quotes in Williston
- Average cost of car insurance in Williston
- Car insurance quotes in Williston by rating factors
- How do different factors impact your car insurance costs in Williston?
- Cheap car insurance quotes in Williston after driving violations
- Cheap car insurance quotes in Williston by driving experience
- Cheap car insurance quotes in Williston based on insurance history
- Cheap car insurance quotes in Williston for popular cars
- How to lower car insurance costs in Williston
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Williston
Different drivers have different insurance needs, so
the best auto insurance company
isn’t the same for everyone—and neither is the price tag. You may not be willing to trade affordability for things like great customer or claim services.To assist drivers in finding their perfect insurance fit, Jerry asked over 15,000 American policyholders to rate their providers. The results show that popularity doesn’t necessarily guarantee top performance.
For example, if you wanted the most popular option, you’d probably land on
State Farm
in Williston, ND. As the second-largest auto insurer in the state, it offers a wide range of insurance products—including business owners policies and life insurance policies—and great scores in claims and customer satisfaction.However, drivers might also prefer
Allstate
in Williston, ND, which has comparatively fewer products, but more digital tools like Drivewise and Milewise.If you’re still on the fence, take a look at the table below to scores for other insurance providers in North Dakota.
Insurance Company | Overall Jerry rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
4.5 | $1,006 | $286 | |
4.4 | $1,353 | $182 | |
4.4 | $1,969 | $207 | |
4.2 | $1,183 | $260 | |
3.5 | $1,751 | $561 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance in Williston
The average cost of
car insurance
in Williston is $42 per month for minimum coverage and $145 per month for full coverage—that’s about 17% less than what the rest of the state pays.Comparing and buying
car insurance in North Dakota
is easy with Jerry
. You can join Williston drivers like the ones below in paying great rates for coverage.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Allstate | $188 | Carolyn, 31 Zip: 58801 | Volkswagen Jetta SE | • State Minimum Liability • Comp / Collision |
| Nationwide | $194 | Alejandro, 31 Zip: 58801 | GMC Sierra K1500 SLE | • State Minimum Liability • Comp / Collision |
| State Auto | $123 | Justin, 30 Zip: 58801 | RAM 1500 SLT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Best cheap car insurance quotes in Williston
North Dakota drivers are required by state law to carry minimum amounts of liability insurance, uninsured/underinsured motorist coverage, and personal injury protection (PIP). A minimum coverage auto insurance policy is usually cheapest, but it also has several drawbacks.
Cheap minimum liability insurance quotes in Williston
North Dakota’s car insurance laws
mandate three types of coverage: liability insurance
, uninsured motorist/underinsured motorist coverage (UM/UIM)
, and personal injury protection (PIP)
. In addition, motorists must carry a minimum amount of each type of insurance:
- $50,000 of bodily injury liability coverage per accident
- $25,000 of UM/UIM coverage per person
- $50,000 of UM/UIM coverage per accident
- $30,000 of PIP coverage per accident
Insurers often refer to these limits as “25/50/25 liability coverage” or “25/50 UM/UIM coverage.”
It may sound like a lot, but Jerry makes it easy to find auto insurance quotes for as much (or as little) coverage as you want in North Dakota.
Caroline (25 years old)
$181
per month
Carolyn (31 years old)
$188
per month
Justin (30 years old)
$123
per month
Do you need more than minimum coverage in Williston?
In Williston, having additional insurance coverage is a smart move.
For perspective, the damages that result from a serious car accident often go beyond the limits of minimum coverage auto insurance in North Dakota. Plus, the minimum won’t foot the bill for damages to your own vehicle.
Even if you decide to skip the coverage options that pay for repairs to your car, raising your limits is a wise financial decision. More liability, UM/UIM, and PIP means more financial protection in case of an accident.
The bottom line: Think about purchasing full coverage and upping your liability coverage to 50/100/50 or 100/300/100.
Cheapest full coverage car insurance quotes in Williston
Unlike the bare minimum insurance coverage, full-coverage auto insurance prioritizes your vehicle and its value.
It includes everything you need to legally drive, plus
collision
and comprehensive coverage
—two extra types of coverage that will repair or replace your vehicle in the event of collisions, weather accidents, theft, and vandalism.Keep in mind: If you lease or finance your car, your bank may require you to purchase full coverage until you’ve paid off the vehicle.
The good news is that Jerry makes it easy to find affordable auto insurance rates for every kind of coverage you could want in Williston.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $219 | Hester, 30 Zip: 58801 | RAM 1500 SLT |
• State Minimum Liability • Comp / Collision | Nationwide | $194 | Alejandro, 31 Zip: 58801 | GMC Sierra K1500 SLE |
• State Minimum Liability • Comp / Collision | Allstate | $188 | Carolyn, 31 Zip: 58801 | Volkswagen Jetta SE |
• State Minimum Liability • Comp / Collision | The General | $252 | Beulah, 52 Zip: 58801 | Nissan Altima 2.5 |
Last Updated Nov 23, 2024Online quote comparison tools
make finding low insurance rates fast and easy. Jerry works like an independent insurance agent to put your needs and budget first; its team of agents can even help you switch to a new policy and cancel your old one.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Williston
After helping drivers find free quotes for years, Jerry has discovered the average cost of car insurance in Williston is $42 for minimum coverage and $504 per year for full coverage. By contrast, the average cost of a full coverage policy is $145 per month or $1,740 per year.
Just note that the average rates in North Dakota can’t tell you what your insurance costs will be. Your premiums are decided by a number of factors—like your age, driving record, vehicle type, and claims history—that can’t be averaged.
Car insurance quotes in Williston by rating factors
The
calculations for car insurance premiums
incorporate lots of personal data. Together, they give insurers an idea of how much risk you pose to them as a policyholder; here are a few of the data points that make up your driver profile.- Your address: Even within the same city, the local accident, crime, and traffic rates within your ZIP code can push your insurance rates up or down.
- Your claims history: Insurers base the decision of how much you could potentially cost them based on how often you’ve caused an accident or filed a claim in the past.
- Your credit score: An excellent credit rating can be your ticket to more affordable car insurance premiums.
- Your driving record: If you've got a clean driving record, it usually translates to lower car insurance costs.
- Your vehicle type: Newer, luxury, and sports cars usually come with higher insurance costs, particularly for collision and comprehensive coverage.
- Your vehicle usage: If you take your ride on a daily commute, expect to pay more for insurance coverage than a driver who only takes to the road occasionally.
How do different factors impact your car insurance costs in Williston?
How do different factors impact your car insurance costs in Williston?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): North Dakota currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Williston:
Cheap car insurance quotes in Williston after driving violations
Nothing encapsulates your habits and history as a driver better than your
North Dakota driving record
. High-risk drivers with a series of traffic citations or at-fault accidents on their record will pay steeper rates for insurance.Here’s what insurers look out for:
Cheapest car insurance in Williston after DUI
A
DUI
can result in some of the highest insurance rate increases in North Dakota. While a single conviction can cause your rates to jump, comparing prices from the top providers in Williston can bring them down.Cheapest car insurance in Williston after an at-fault accident
Although North Dakota is a
no-fault state
, you—or rather, your insurance provider—can still be held responsible for any damages caused by a car accident of your own making. If your negligence leads to an at-fault accident
, you could see your premiums rise.Jerry works equally well for drivers with clean or spotty driving records who want to compare insurance prices in Williston.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $181 | Marc, 24 Zip: 58801 | Jeep Compass Limited | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $266 | Francis, 23 Zip: 58801 | RAM 1500 ST | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $181 | Verna, 24 Zip: 58801 | Jeep Compass Limited | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Williston after other driving violations
Your insurance premiums can be impacted by much more than speeding tickets and DUIs.
Driving without a seatbelt
, driving with a suspended license
, or driving recklessly
can also take its toll on your bank account.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Nationwide | $60 | Marian, 39 Zip: 58801 | Cadillac Escalade | • 100,000/300,000 Liability |
Defective Equipment | Progressive | $63 | Gertrude, 40 Zip: 58803 | Mini Cooper | • 50,000/100,000 Liability |
Last Updated Nov 23, 2024Cheap car insurance quotes in Williston by driving experience
Young, inexperienced drivers—and senior motorists over the age of 65—tend to pay the most for car insurance. Rates for young drivers often even out around age 25, but before that, don’t be surprised if you see high insurance costs.
Seniors also tend to pay more because while they have the experience, older drivers also have a higher likelihood of accidents and serious injuries.
Cheapest car insurance in Williston for young drivers
For new drivers aged 16-19, it’s not so easy to find
affordable car insurance for teen drivers
in Williston. This age group is the most likely to get into accidents, so not only are their rates high, but they’re also the most likely to benefit from full coverage insurance. Keep young drivers on an older household member’s policy to keep costs down.
Stephen (24 years old)
$220
per month
Beulah (23 years old)
$290
per month
Cheapest car insurance in Williston for senior drivers
Your golden years mark the point at which your insurance premiums begin to go up again. Not only are
senior drivers
more likely to get into an accident, but they’re also more vulnerable to severe injuries. 
Cheap car insurance quotes in Williston based on insurance history
A past
car insurance lapse
or current lack of insurance can both count against your insurance rates. Jerry can help you comparison shop for a great deal and build a spotless insurance history with automatic payment reminders.Landon (29 years old)
$219
per month
Emily (30 years old)
Currently Insured
CoverageState Minimum
Williston, ND (Zip Code: 58801)
GMC Sierra K1500 SLE$194
per month
Aaron (30 years old)
$188
per month
Bruce (29 years old)
$123
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switched to Progressive and was able to immediately reduce my car insurance by $30+ for the same coverage. Great customer service as well. Totally recommend to anyone!
Janaka
When I had to get my first car insurance policy, I wasn't sure what I needed or how much I should pay. Turns out, I was able to get a really affordable State Farm policy that covered everything!
Rachel
Straight forward and not overpriced. A good bargain insurance for someone with an old car.
Cam
Pot of gold
Ryan
Cheap car insurance quotes in Williston for drivers with poor credit
North Dakota allows insurance providers to factor your credit history into their rate calculations, which is bad news for low credit drivers. While good credit drivers with a score of 750 or more enjoy lower rates, those with a credit score of 550 or less have to pay about 20% more for coverage.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | The General | $80 | Caroline, 44 Zip: 58801 | Toyota Corolla | • State Minimum Liability |
Last Updated Nov 23, 2024Cheap car insurance quotes in Williston for popular cars
Last but not least, your choice of car also affects your annual premiums. Providers like to insure popular, older models with great security features and low repair costs.
More often than not, you’ll see these models on Williston’s streets:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 SLT | Progressive | $219 | Carlos, 29 Zip: 58801 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024How to lower car insurance costs in Williston
1. Shop around and compare quotes
Every car insurance company plays by its own rulebook when it comes to setting premiums and the rules are always changing! Experts suggest checking out quotes from at least three different companies every six months to lock in the best deals.
If you don’t feel like looking up office hours and phone numbers to
shop for insurance
twice a year, Jerry has an alternative. Signup only takes 45 seconds and the app takes less than a few minutes to compare auto insurance quotes from top insurance providers across the nation. 2. Hunt for car insurance discounts
Car insurance discounts
can help you save on your insurance. Here are a few of the most common savings programs you can find.- Auto and home insurance bundles: You can combine more than auto and homeowners insurance to save— renters insurance and health insurance products may also be eligible for bundling.
- Good student discounts: If you attend school full-time and you have a GPA of 3.0 or more, you could reap some savings as a reward.
- Low mileage discounts: You can’t get into a car accident if you’re not on the road; insurers offer drivers who travel less than 10,000 miles per year with lower rates.
- Safe driver discounts: Safe driving habits and a clean driving record could net you 20% off your annual rates.
3. Increase your deductible for comprehensive and collision coverage
Raising your deductible means you’ll pay more out-of-pocket for any claim under your collision or comprehensive coverage. While doing so can lower your monthly bills, don’t make the change without making sure you can afford it.
FAQ
What’s the minimum auto insurance in North Dakota?
The minimum auto insurance in North Dakota includes liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. You need $25/50/25k of liability coverage, $25/50k of uninsured motorist coverage, and $30k of PIP coverage to drive.
What car insurance company offers the best rates?
Insurance rates are so highly personalized that it’s impossible to say which car insurance company offers the best rates for every driver. Comparing quotes is the best way to find the lowest-cost option.
However, we discovered that Safeco, Nationwide, and State Farm offer some of the best rates in Williston.
What is liability insurance in North Dakota?
Liability insurance in North Dakota pays for any damages resulting from an at-fault car accident. The minimum limits are $25,000 of bodily injury liability coverage per person (up to $50,000 per accident) and $25,000 of property damage liability coverage per accident.
Is it illegal to drive without insurance in North Dakota?
It’s illegal to drive without car insurance in North Dakota and the consequences depend on the number of offenses you’ve committed. Getting caught without insurance the first time comes with a $150-$1,000 fine, an SR-22 requirement, and a driver’s license suspension, which increase to $300-$1,500 in fines, $20 in court fees, and up to 30 days in jail on subsequent offenses.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.