Best Cheap Auto Insurance in Berlin, ND (2021)

The average Berlin, ND auto insurance rates are $344 per month. The minimum auto insurance in Berlin is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Berlin, North Dakota, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Berlin, ND for senior drivers are $2,230 per year
  • The average commute length in Berlin is 34.3 minutes
  • The cheapest auto insurance company in Berlin is USAA

Berlin, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in Berlin can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Berlin, North Dakota, including driving record, credit, commute time, and more.

Compare auto insurance in Berlin to other North Dakota cities, including Fargo auto insurance rates, Williston auto insurance rates, and Bismarck auto insurance rates to see how Berlin, North Dakota auto insurance rates stack up.

Before you buy Berlin, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Berlin, North Dakota auto insurance quotes.

Minimum Auto Insurance in Berlin, North Dakota

Berlin, North Dakota auto insurance laws require that you have at least the North Dakota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Berlin, North Dakota.

Minimum Required Auto Insurance Coverage in Berlin, North Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Berlin, North Dakota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Berlin, North Dakota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Berlin, North Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,952 $2,997 $2,581 $2,749 $10,761 $12,547 $3,306 $3,594
American Family $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,904 $1,867 $1,700 $1,771 $6,914 $7,087 $2,170 $2,295
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $6,807 $7,353 $5,469 $6,626 $27,123 $30,234 $7,120 $7,800
Nationwide $1,737 $1,783 $1,557 $1,664 $3,825 $4,737 $1,972 $2,096
Progressive $2,053 $1,968 $1,664 $1,720 $7,419 $8,315 $2,530 $2,567
State Farm $1,412 $1,412 $1,248 $1,248 $3,947 $4,991 $1,579 $1,787
USAA $1,139 $1,131 $927 $930 $3,928 $4,747 $1,640 $1,784

Cheap Berlin, North Dakota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Berlin, North Dakota is a challenge. Take a look at the annual teen auto insurance rates in Berlin, North Dakota.

Annual Auto Insurance Rates for Teen Drivers in Berlin, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,761 $12,547
American Family $5,349 $7,694
Farmers $6,914 $7,087
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,825 $4,737
Progressive $7,419 $8,315
State Farm $3,947 $4,991
USAA $3,928 $4,747

Cheap Berlin, North Dakota Auto Insurance for Seniors

What are senior auto insurance rates in Berlin, North Dakota? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Berlin, North Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,581 $2,749
American Family $2,269 $2,269
Farmers $1,700 $1,771
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,557 $1,664
Progressive $1,664 $1,720
State Farm $1,248 $1,248
USAA $927 $930

Cheap Berlin, North Dakota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Berlin, North Dakota compared to the annual auto insurance rates with a clean record in Berlin, North Dakota.

Annual Berlin, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,259 $4,662 $6,937 $4,886
American Family $2,562 $3,667 $4,863 $2,932
Farmers $2,704 $3,456 $3,414 $3,280
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $10,928 $12,332 $13,395 $12,612
Nationwide $1,784 $2,465 $3,406 $2,030
Progressive $3,263 $3,997 $3,298 $3,561
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Cheap Berlin, North Dakota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Berlin, North Dakota is not easy. Compare the annual rates for DUI auto insurance in Berlin, North Dakota to find the best deal.

Annual Auto Insurance Rates After a DUI in Berlin, North Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,937
American Family $4,863
Farmers $3,414
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,406
Progressive $3,298
State Farm $2,203
USAA $2,854

Cheap Berlin, North Dakota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Berlin, North Dakota annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Berlin, North Dakota

Insurance Company Poor Fair Good
Allstate $6,516 $4,973 $4,070
American Family $4,614 $3,200 $2,704
Farmers $3,716 $3,039 $2,886
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,952 $2,294 $2,018
Progressive $4,084 $3,403 $3,102
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

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Cheap Berlin, North Dakota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Berlin, North Dakota can vary. Compare the annual cost of auto insurance by ZIP code in Berlin, North Dakota to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Berlin, North Dakota

ZIP Code Average Annual Rates
58005 $4,138
58430 $4,597
58486 $4,555
58758 $4,560

Cheap Berlin, North Dakota Auto Insurance Rates By Commute

Commute length and annual mileage affect Berlin, North Dakota auto insurance. Find the cheapest annual Berlin, North Dakota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Berlin, North Dakota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,058 $5,314
American Family $3,463 $3,549
Farmers $3,213 $3,213
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,421 $2,421
Progressive $3,530 $3,530
State Farm $2,144 $2,262
USAA $2,008 $2,049

Cheap Berlin, North Dakota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Berlin, North Dakota? Check out the comparison of annual Berlin, North Dakota auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Berlin, North Dakota

Insurance Company Low Medium High
Allstate $5,085 $5,184 $5,289
American Family $3,614 $3,679 $3,226
Farmers $3,141 $3,200 $3,299
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,364 $2,409 $2,491
Progressive $3,435 $3,519 $3,635
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

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Best By Category: Cheapest Auto Insurance in Berlin, North Dakota

Compare the cheapest auto insurance companies in Berlin, North Dakota in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Berlin, North Dakota

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Berlin, North Dakota Auto Insurance Companies

What auto insurance companies in Berlin, North Dakota are the cheapest? Compare the top Berlin, North Dakota auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Berlin, North Dakota

Insurance Company Average Annual Rates
Allstate $5,186
American Family $3,506
Farmers $3,213
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,421
Progressive $3,530
State Farm $2,203
USAA $2,028

What affects auto insurance rates in Berlin, North Dakota?

There are a lot of reasons why auto insurance rates in Berlin, North Dakota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Berlin, North Dakota. Many local factors may affect your Berlin auto insurance rates.

Berlin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berlin, North Dakota commute length is 34.3 minutes according to City-Data.

Berlin Traffic

How does Berlin, North Dakota rank for traffic? According to Inrix Berlin, North Dakota is the 41st most congested worldwide.

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Compare Berlin, North Dakota Auto Insurance Quotes

Before you buy Berlin, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Berlin, North Dakota auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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