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Cheapest car insurance in Williston, North Dakota (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Williston, North Dakota.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

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
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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 companyPremium (monthly)CustomerCarInsurance coverage
Safeco
$189
Thomas, 29
Zip: 58801
RAM 1500 SLT
• State Minimum Liability
• Comp / Collision
Allstate
$188
Maurice, 30
Zip: 58801
Volkswagen Jetta SE
• State Minimum Liability
• Comp / Collision
The General
$80
Lois, 44
Zip: 58801
Toyota Corolla
• State Minimum Liability
coverageLast Updated Apr 16, 2024

Best 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

In addition, motorists must carry a minimum amount of each type of insurance:
  • $25,000 of
    bodily injury liability
    coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $25,000 of
    property damage 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.
card cover
Martha (24 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$181
per month
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Thomas (29 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$189
per month
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Jerry (30 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
carGMC Sierra K1500 SLE
$194
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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Safeco
$189
Thomas, 29
Zip: 58801
RAM 1500 SLT
• State Minimum Liability
• Comp / Collision
Nationwide
$194
Jerry, 30
Zip: 58801
GMC Sierra K1500 SLE
• State Minimum Liability
• Comp / Collision
The General
$252
Jordan, 51
Zip: 58801
Nissan Altima 2.5
coverageLast Updated Apr 11, 2024
Online 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.
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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?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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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.
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Ronnie (38 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58802)
$69
per month
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Marcus (30 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58803)
$70
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$181
Austin, 24
Zip: 58801
Jeep Compass Limited
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$266
Lela, 23
Zip: 58801
RAM 1500 ST
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$181
Tony, 24
Zip: 58801
Jeep Compass Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

Cheapest 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$64
Lily, 33
Zip: 58802
Mercury Milan
• 100,000/300,000 Liability
Defective Equipment
AAA
$74
Catherine, 35
Zip: 58801
Alfa Romeo Giulia
• 50,000/100,000 Liability
coverageLast Updated Apr 16, 2024

Cheap 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.
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Martha (24 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$181
per month
card cover
Jeffrey (24 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$216
per month
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Janie (23 years old)
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
carRAM 1500 ST
$220
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. 
card cover
Jessie (69 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationWilliston, ND
(Zip Code: 58801)
$81
per month
card cover
Bertha (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWilliston, ND
(Zip Code: 58801)
$65
per month

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.
card cover
Jessie (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$219
per month
card cover
Terry (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
carGMC Sierra K1500 SLE
$194
per month
card cover
Amelia (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$189
per month
card cover
Essie (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$188
per month
card cover
Katie (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationWilliston, ND
(Zip Code: 58801)
$123
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
The General
$80
Vernon, 44
Zip: 58801
Toyota Corolla
• State Minimum Liability
coverageLast Updated Apr 12, 2024

How 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

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Maria Cruz
badge icon
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.
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Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.