Best Cheap Auto Insurance in Gardner, ND (2021)

The average Gardner, ND auto insurance rates are $329 per month. The minimum auto insurance in Gardner is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Gardner, 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

  • The average commute length in Gardner is 26.9 minutes
  • Average auto insurance rates in Gardner, ND for senior drivers are $2,129 per year
  • The minimum auto insurance required in Gardner, North Dakota is 25/50/25

Gardner, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in Gardner 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 Gardner, North Dakota, including driving record, credit, commute time, and more.

Compare auto insurance in Gardner to other North Dakota cities, including Watford City auto insurance rates, Dickinson auto insurance rates, and West Fargo auto insurance rates to see how Gardner, North Dakota auto insurance rates stack up.

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

Minimum Auto Insurance in Gardner, North Dakota

Gardner, 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 Gardner, North Dakota.

Minimum Required Auto Insurance Coverage in Gardner, 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 Gardner, North Dakota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gardner, 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 Gardner, 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 $2,517 $2,516 $2,238 $2,370 $9,819 $11,559 $2,752 $2,959
American Family $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,690 $1,654 $1,507 $1,572 $6,169 $6,317 $1,916 $2,015
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 $1,640 $1,676 $1,474 $1,569 $3,702 $4,556 $1,872 $1,983
Progressive $1,729 $1,632 $1,397 $1,457 $6,582 $7,319 $2,103 $2,125
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 Gardner, North Dakota Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,819 $11,559
American Family $5,349 $7,694
Farmers $6,169 $6,317
GEICO $4,150 $5,218
Liberty Mutual $27,123 $30,234
Nationwide $3,702 $4,556
Progressive $6,582 $7,319
State Farm $3,947 $4,991
USAA $3,928 $4,747

Cheap Gardner, North Dakota Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,238 $2,370
American Family $2,269 $2,269
Farmers $1,507 $1,572
GEICO $1,863 $1,884
Liberty Mutual $5,469 $6,626
Nationwide $1,474 $1,569
Progressive $1,397 $1,457
State Farm $1,248 $1,248
USAA $927 $930

Cheap Gardner, 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 Gardner, North Dakota compared to the annual auto insurance rates with a clean record in Gardner, North Dakota.

Annual Gardner, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,714 $4,102 $6,226 $4,323
American Family $2,562 $3,667 $4,863 $2,932
Farmers $2,405 $3,073 $3,034 $2,908
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $10,928 $12,332 $13,395 $12,612
Nationwide $1,714 $2,351 $3,228 $1,944
Progressive $2,804 $3,471 $2,841 $3,055
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Cheap Gardner, North Dakota Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,226
American Family $4,863
Farmers $3,034
GEICO $4,084
Liberty Mutual $13,395
Nationwide $3,228
Progressive $2,841
State Farm $2,203
USAA $2,854

Cheap Gardner, North Dakota Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,791 $4,404 $3,580
American Family $4,614 $3,200 $2,704
Farmers $3,302 $2,699 $2,563
GEICO $3,222 $2,595 $2,265
Liberty Mutual $17,901 $10,689 $8,360
Nationwide $2,807 $2,194 $1,927
Progressive $3,505 $2,940 $2,684
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

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Cheap Gardner, North Dakota Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
58036 $4,160

Cheap Gardner, North Dakota Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,479 $4,704
American Family $3,463 $3,549
Farmers $2,855 $2,855
GEICO $2,663 $2,724
Liberty Mutual $12,317 $12,317
Nationwide $2,309 $2,309
Progressive $3,043 $3,043
State Farm $2,144 $2,262
USAA $2,008 $2,049

Cheap Gardner, North Dakota Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,460 $4,589 $4,725
American Family $3,614 $3,679 $3,226
Farmers $2,782 $2,841 $2,942
GEICO $2,647 $2,689 $2,745
Liberty Mutual $12,047 $12,265 $12,637
Nationwide $2,247 $2,297 $2,383
Progressive $2,946 $3,032 $3,151
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 Gardner, North Dakota

Compare the cheapest auto insurance companies in Gardner, 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 Gardner, 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 Gardner, North Dakota Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,591
American Family $3,506
Farmers $2,855
GEICO $2,694
Liberty Mutual $12,317
Nationwide $2,309
Progressive $3,043
State Farm $2,203
USAA $2,028

What affects auto insurance rates in Gardner, North Dakota?

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

Gardner Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gardner, North Dakota commute length is 26.9 minutes according to City-Data.

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Compare Gardner, North Dakota Auto Insurance Quotes

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