Best Cheap Auto Insurance in Luverne, ND (2021)

The average Luverne, ND auto insurance rates are $343 per month. The minimum auto insurance in Luverne is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Luverne, 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: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in Luverne, ND for senior drivers are $2,227 per year
  • The cheapest auto insurance company in Luverne is USAA
  • The most expensive auto insurance company in Luverne for teen drivers is Liberty Mutual

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

Compare auto insurance in Luverne to other North Dakota cities, including Fargo auto insurance rates, James auto insurance rates, and Grand Forks auto insurance rates to see how Luverne, North Dakota auto insurance rates stack up.

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

Minimum Auto Insurance in Luverne, North Dakota

Luverne, 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 Luverne, North Dakota.

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

Auto insurance rates in Luverne, 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 Luverne, 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 $2,427 $2,434 $2,153 $2,282 $9,360 $11,021 $2,666 $2,877
American Family $2,511 $2,511 $2,269 $2,269 $5,349 $7,694 $2,511 $2,936
Farmers $1,848 $1,819 $1,654 $1,718 $6,487 $6,658 $2,094 $2,214
GEICO $2,163 $2,147 $1,863 $1,884 $4,150 $5,218 $1,953 $2,172
Liberty Mutual $7,402 $8,006 $5,941 $7,201 $29,140 $32,517 $7,765 $8,523
Nationwide $1,764 $1,805 $1,583 $1,687 $3,986 $4,919 $2,014 $2,136
Progressive $1,954 $1,864 $1,584 $1,641 $7,240 $8,099 $2,404 $2,440
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 Luverne, North Dakota Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,360 $11,021
American Family $5,349 $7,694
Farmers $6,487 $6,658
GEICO $4,150 $5,218
Liberty Mutual $29,140 $32,517
Nationwide $3,986 $4,919
Progressive $7,240 $8,099
State Farm $3,947 $4,991
USAA $3,928 $4,747

Cheap Luverne, North Dakota Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,153 $2,282
American Family $2,269 $2,269
Farmers $1,654 $1,718
GEICO $1,863 $1,884
Liberty Mutual $5,941 $7,201
Nationwide $1,583 $1,687
Progressive $1,584 $1,641
State Farm $1,248 $1,248
USAA $927 $930

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

Annual Luverne, North Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,567 $3,929 $5,967 $4,146
American Family $2,562 $3,667 $4,863 $2,932
Farmers $2,586 $3,290 $3,246 $3,124
GEICO $1,556 $2,605 $4,084 $2,529
Liberty Mutual $11,815 $13,320 $14,484 $13,627
Nationwide $1,840 $2,532 $3,486 $2,090
Progressive $3,142 $3,866 $3,178 $3,427
State Farm $2,036 $2,370 $2,203 $2,203
USAA $1,441 $2,040 $2,854 $1,779

Cheap Luverne, North Dakota Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,967
American Family $4,863
Farmers $3,246
GEICO $4,084
Liberty Mutual $14,484
Nationwide $3,486
Progressive $3,178
State Farm $2,203
USAA $2,854

Cheap Luverne, North Dakota Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,547 $4,223 $3,437
American Family $4,614 $3,200 $2,704
Farmers $3,545 $2,891 $2,749
GEICO $3,222 $2,595 $2,265
Liberty Mutual $19,355 $11,544 $9,036
Nationwide $3,028 $2,360 $2,072
Progressive $3,927 $3,284 $2,998
State Farm $3,081 $1,959 $1,568
USAA $2,801 $1,773 $1,511

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Cheap Luverne, North Dakota Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,295 $4,510
American Family $3,463 $3,549
Farmers $3,061 $3,061
GEICO $2,663 $2,724
Liberty Mutual $13,312 $13,312
Nationwide $2,487 $2,487
Progressive $3,403 $3,403
State Farm $2,144 $2,262
USAA $2,008 $2,049

Cheap Luverne, North Dakota Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,301 $4,400 $4,506
American Family $3,614 $3,679 $3,226
Farmers $2,995 $3,049 $3,141
GEICO $2,647 $2,689 $2,745
Liberty Mutual $13,032 $13,258 $13,645
Nationwide $2,425 $2,474 $2,562
Progressive $3,307 $3,392 $3,510
State Farm $2,144 $2,209 $2,256
USAA $1,977 $2,030 $2,079

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

Compare the cheapest auto insurance companies in Luverne, 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 Luverne, North Dakota

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

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The Cheapest Luverne, North Dakota Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,402
American Family $3,506
Farmers $3,061
GEICO $2,694
Liberty Mutual $13,312
Nationwide $2,487
Progressive $3,403
State Farm $2,203
USAA $2,028

Compare Luverne, North Dakota Auto Insurance Quotes

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