- The average cost of car insurance in Minot is 0.3% less than the national average rate of $2,221.
- Car insurance rates for a few popular vehicles in Minot include the Ford Escape at $2,022 per year, Ford F150 at $2,478, and Jeep Grand Cherokee at $2,214.
- Compact crossovers like the Volkswagen Tiguan, Honda CR-V, Buick Envision, and Chevrolet Trailblazer are some good choices for cheap car insurance in Minot.
- Auto insurance quotes in Minot can range significantly from as little as $33 per month for just liability insurance to well over $675 per month for teens and other high-risk drivers.
What is average car insurance cost in Minot?
The average cost to insure a vehicle in Minot is $2,214 per year, which is 0.3% less than the overall national average rate of $2,221. Average car insurance cost per month in Minot is $185 for a policy with full coverage.
The average cost of car insurance in North Dakota is $2,174 per year, so Minot, North Dakota, drivers pay an average of $40 more per year than the overall North Dakota state-wide average rate. The cost of auto insurance in Minot compared to other North Dakota cities is $22 per year less than in Bismarck, $172 per year more than in West Fargo, and $144 per year more than in Grand Forks.
The next chart shows additional data for the 20 to 60-year-old age groups by showing a range of rates based on a variety of driver ages, policy deductibles, and potential risk scenarios.
In the chart above, the cost of car insurance in Minot ranges from $1,840 per year for a 40-year-old driver who qualifies for many discounts to $5,092 per year for a 30-year-old driver who is required to buy high risk car insurance. When those numbers are converted to a monthly rate, the average cost in the chart above ranges from $153 to $424 per month.
Driver age makes a big difference in the cost of auto insurance. The list below illustrates this by showing average car insurance rates in Minot based on the age of the driver.
Minot, North Dakota, car insurance cost for drivers age 16 to 60
- 16 year old – $7,886 per year or $657 per month
- 17 year old – $7,640 per year or $637 per month
- 18 year old – $6,846 per year or $571 per month
- 19 year old – $6,235 per year or $520 per month
- 20 year old – $4,454 per year or $371 per month
- 30 year old – $2,364 per year or $197 per month
- 40 year old – $2,214 per year or $185 per month
- 50 year old – $1,962 per year or $164 per month
- 60 year old – $1,836 per year or $153 per month
The cost of car insurance for Minot’s favorite vehicles
The car insurance costs referenced previously are averaged for every 2024 model year vehicle, which is useful for making overall comparisons such as the difference in average auto insurance cost by location or driver age.
But for more useful auto insurance comparisons, it makes sense to compare rates for the exact make and model of vehicle being insured. In the next few sections, we do cost comparisons for specific vehicles, but for now, let’s look at just a few of the more popular vehicles to see how car insurance prices size up in Minot.
The following chart shows insurance rates in Minot for popular vehicles. At the end of this article, we examine auto insurance rates for some of these models even more in-depth.
Popular models in Minot tend to be compact or midsize cars like the Toyota Corolla, Nissan Sentra, and Toyota Camry and compact or midsize SUVs like the Toyota RAV4 and Jeep Grand Cherokee.
Other popular models from different automotive segments include luxury cars like the BMW 530i and Acura ILX, luxury SUVs like the Infiniti QX60 and Acura MDX, and models from the pickup truck segment like the Chevy Silverado and Ford F-150.
We will explore auto insurance rates for many more vehicles later in this article, but before that, let’s quickly revisit some of the key concepts that were discussed so far.
- Cost per month ranges from $153 to $657 – That is the average car insurance cost range for drivers age 16 to 60 in Minot, North Dakota.
- Car insurance is cheaper as you get older – Insurance rates for a 50-year-old driver in Minot are $2,492 per year cheaper than for a 20-year-old driver.
- Minot auto insurance prices are more expensive than the North Dakota state average – $2,214 (Minot average) versus $2,174 (North Dakota average)
- Insuring a teenager is expensive – Rates range from $5,271 to $7,886 per year to insure a teenager in Minot.
- Low deductibles cost more than high deductibles – A 20-year-old driver pays an average of $1,188 more per year for $250 deductibles versus $1,000 deductibles.
- Insurance rates drop substantially from age 20 to 30 – The average 30-year-old Minot driver will pay $2,090 less each year than a 20-year-old driver, $2,364 versus $4,454.
- Minot car insurance cost is less than the U.S. average – $2,214 (Minot average) versus $2,221 (U.S. average)
Which cars have cheap insurance in Minot?
When all makes and models are compared, the models with the cheapest auto insurance rates in Minot tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Hyundai Venue.
Average car insurance rates for those compact SUVs cost $1,800 or less per year ($150 per month) to get full coverage.
Some other vehicles that are in the top 20 in our insurance cost comparison are the Kia Niro, Honda CR-V, Ford Bronco Sport, and Subaru Outback.
Average car insurance rates are a few dollars per month higher for those models than the cheapest compact SUVs and crossovers that rank at the top, but they still have average rates of $161 or less per month in Minot.
The next table ranks the vehicles with the cheapest overall insurance rates in Minot, sorted by annual and monthly insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,634 | $136 |
| 2 | Chevrolet Trailblazer | $1,664 | $139 |
| 3 | Kia Soul | $1,730 | $144 |
| 4 | Nissan Kicks | $1,744 | $145 |
| 5 | Honda Passport | $1,764 | $147 |
| 6 | Buick Envision | $1,774 | $148 |
| 7 | Toyota Corolla Cross | $1,784 | $149 |
| 8 | Hyundai Venue | $1,800 | $150 |
| 9 | Mazda CX-5 | $1,806 | $151 |
| 10 | Ford Bronco Sport | $1,814 | $151 |
| 11 | Volkswagen Tiguan | $1,832 | $153 |
| 12 | Acura RDX | $1,850 | $154 |
| 13 | Nissan Murano | $1,862 | $155 |
| 14 | Buick Encore | $1,880 | $157 |
| 15 | Subaru Outback | $1,886 | $157 |
| 16 | Honda CR-V | $1,890 | $158 |
| 17 | Buick Envista | $1,894 | $158 |
| 18 | Volkswagen Taos | $1,896 | $158 |
| 19 | Kia Niro | $1,908 | $159 |
| 20 | Toyota GR Corolla | $1,924 | $160 |
| 21 | Subaru Ascent | $1,926 | $161 |
| 22 | Honda HR-V | $1,928 | $161 |
| 23 | Nissan Leaf | $1,940 | $162 |
| 24 | Chevrolet Colorado | $1,952 | $163 |
| 25 | Honda Civic | $1,958 | $163 |
| 26 | Lexus NX 250 | $1,960 | $163 |
| 27 | Volkswagen Atlas | $1,962 | $164 |
| 28 | Acura Integra | $1,970 | $164 |
| 29 | Subaru Forester | $1,970 | $164 |
| 30 | Volkswagen Atlas Cross Sport | $1,972 | $164 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 26, 2025
A table of 30 vehicle rankings is great if you’re just wanting the lowest rates. A more useful way to analyze auto insurance rates in a logical manner is to sort them by automotive segment. The sections below show the vehicles with the cheapest car insurance rates for the most popular automotive segments.
Cheapest cars to insure in Minot
Out of all 2024 models, the top five most budget-friendly non-luxury cars to insure in Minot are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Insurance rates for these five cars range from $1,924 to $2,036 per year.
Other cars that have good average insurance rates are the Honda Accord, Toyota Corolla, Kia K5, and Chevrolet Malibu, with average annual insurance rates of $2,156 per year or less.
Additional models that made the list include the Mazda 3, Volkswagen Jetta, Kia Forte, and Mitsubishi Mirage G4, which cost between $2,156 and $2,290 per year to insure in Minot.
On a monthly basis, full-coverage insurance in Minot on this segment for an average middle-age driver can cost as low as $160 per month, depending on where you live. The rate comparison table below ranks the twenty cars with the cheapest insurance rates in Minot, starting with the Toyota GR Corolla at $1,924 per year and ending with the Mazda 3 at $2,290 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,924 | $160 |
| Nissan Leaf | Compact | $1,940 | $162 |
| Honda Civic | Compact | $1,958 | $163 |
| Nissan Sentra | Compact | $2,030 | $169 |
| Subaru Impreza | Compact | $2,036 | $170 |
| Toyota Prius | Compact | $2,070 | $173 |
| Kia K5 | Midsize | $2,134 | $178 |
| Honda Accord | Midsize | $2,140 | $178 |
| Chevrolet Malibu | Midsize | $2,150 | $179 |
| Toyota Corolla | Compact | $2,156 | $180 |
| Kia Forte | Compact | $2,164 | $180 |
| Volkswagen Arteon | Midsize | $2,174 | $181 |
| Nissan Versa | Compact | $2,180 | $182 |
| Subaru Legacy | Midsize | $2,186 | $182 |
| Hyundai Ioniq 6 | Midsize | $2,202 | $184 |
| Mitsubishi Mirage G4 | Compact | $2,232 | $186 |
| Toyota Crown | Midsize | $2,242 | $187 |
| Volkswagen Jetta | Compact | $2,242 | $187 |
| Hyundai Sonata | Midsize | $2,244 | $187 |
| Mazda 3 | Compact | $2,290 | $191 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 27, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Don’t see your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Minot car insurance quotes from top companies in North Dakota.
Cheapest SUVs to insure in Minot, North Dakota
The top four non-luxury SUVs with the most affordable car insurance in Minot are the Subaru Crosstrek at $1,634 per year, Chevrolet Trailblazer at $1,664 per year, Kia Soul at $1,730 per year, and Nissan Kicks at $1,744 per year.
Not the cheapest in the list, but still ranking well, are SUVs like the Ford Bronco Sport, Toyota Corolla Cross, Buick Envision, and Mazda CX-5, with an average car insurance cost of $1,814 per year or less.
As a cost per month, full-coverage car insurance in this segment for a good driver will start around $136 per month, depending on the company and where you live.
The comparison table below ranks the twenty SUVs with the cheapest insurance in Minot, starting with the Subaru Crosstrek at $1,634 per year and ending with the Subaru Ascent at $1,926 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,634 | $136 |
| Chevrolet Trailblazer | Compact | $1,664 | $139 |
| Kia Soul | Compact | $1,730 | $144 |
| Nissan Kicks | Compact | $1,744 | $145 |
| Honda Passport | Midsize | $1,764 | $147 |
| Buick Envision | Compact | $1,774 | $148 |
| Toyota Corolla Cross | Compact | $1,784 | $149 |
| Hyundai Venue | Compact | $1,800 | $150 |
| Mazda CX-5 | Compact | $1,806 | $151 |
| Ford Bronco Sport | Compact | $1,814 | $151 |
| Volkswagen Tiguan | Compact | $1,832 | $153 |
| Nissan Murano | Midsize | $1,862 | $155 |
| Buick Encore | Compact | $1,880 | $157 |
| Subaru Outback | Midsize | $1,886 | $157 |
| Honda CR-V | Compact | $1,890 | $158 |
| Buick Envista | Midsize | $1,894 | $158 |
| Volkswagen Taos | Compact | $1,896 | $158 |
| Kia Niro | Compact | $1,908 | $159 |
| Subaru Ascent | Midsize | $1,926 | $161 |
| Honda HR-V | Compact | $1,928 | $161 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 26, 2025
See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.
Is your SUV not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Minot car insurance quotes from the best auto insurance companies in North Dakota.
Cheapest pickup truck insurance rates in Minot
The cheapest pickups to insure in Minot are the Chevrolet Colorado at $1,952 per year, the Nissan Titan at $2,068 per year, and the Nissan Frontier at $2,092 per year.
Not the cheapest pickups to insure, but still very reasonable, are trucks like the Hyundai Santa Cruz, Honda Ridgeline, GMC Canyon, and Toyota Tacoma, with average annual insurance rates of $2,278 per year or less.
From a monthly standpoint, full-coverage insurance in Minot on this segment for an average middle-age driver starts at an average of $163 per month, depending on your company and location. The table below ranks the pickups with the lowest-cost insurance in Minot, starting with the Chevrolet Colorado at $1,952 per year ($163 per month) and ending with the Ram Truck at $2,560 per year ($213 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,952 | $163 |
| Nissan Titan | Full-size | $2,068 | $172 |
| Nissan Frontier | Midsize | $2,092 | $174 |
| Ford Ranger | Midsize | $2,116 | $176 |
| Ford Maverick | Midsize | $2,146 | $179 |
| Honda Ridgeline | Midsize | $2,198 | $183 |
| Hyundai Santa Cruz | Midsize | $2,234 | $186 |
| Toyota Tacoma | Midsize | $2,244 | $187 |
| GMC Sierra 2500 HD | Heavy Duty | $2,252 | $188 |
| GMC Canyon | Midsize | $2,278 | $190 |
| Jeep Gladiator | Midsize | $2,334 | $195 |
| GMC Sierra 3500 | Heavy Duty | $2,346 | $196 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,366 | $197 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,430 | $203 |
| GMC Sierra | Full-size | $2,446 | $204 |
| Chevrolet Silverado | Full-size | $2,448 | $204 |
| Nissan Titan XD | Heavy Duty | $2,448 | $204 |
| Ford F150 | Full-size | $2,478 | $207 |
| GMC Hummer EV Pickup | Full-size | $2,538 | $212 |
| Ram Truck | Full-size | $2,560 | $213 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 27, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Is your pickup truck not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Minot car insurance quotes from the best companies in North Dakota.
Cheapest sports car insurance rates
Ranking highest for the lowest-cost Minot car insurance rates in the sports car segment are the Ford Mustang, BMW Z4, Subaru WRX, Toyota GR86, and Mazda MX-5 Miata. Auto insurance rates for these vehicles average $2,484 or less per year.
Other cars that are affordable to insure are the Subaru BRZ, BMW M2, Lexus RC F, and Toyota GR Supra, with an average car insurance cost of $2,646 per year or less.
As a cost per month, car insurance rates in Minot on this segment for a safe driver starts at an average of $171 per month, depending on your location. The table below ranks the sports cars with the lowest-cost average auto insurance rates in Minot, starting with the Mazda MX-5 Miata at $2,050 per year and ending with the Porsche Taycan at $3,752 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,050 | $171 |
| Toyota GR86 | Sports Car | $2,334 | $195 |
| Ford Mustang | Sports Car | $2,432 | $203 |
| BMW Z4 | Sports Car | $2,448 | $204 |
| Subaru WRX | Sports Car | $2,484 | $207 |
| Toyota GR Supra | Sports Car | $2,488 | $207 |
| BMW M2 | Sports Car | $2,560 | $213 |
| Nissan Z | Sports Car | $2,566 | $214 |
| Lexus RC F | Sports Car | $2,618 | $218 |
| Subaru BRZ | Sports Car | $2,646 | $221 |
| BMW M3 | Sports Car | $2,796 | $233 |
| Porsche 718 | Sports Car | $2,852 | $238 |
| Chevrolet Camaro | Sports Car | $2,876 | $240 |
| Chevrolet Corvette | Sports Car | $3,064 | $255 |
| Porsche 911 | Sports Car | $3,172 | $264 |
| BMW M4 | Sports Car | $3,302 | $275 |
| Lexus LC 500 | Sports Car | $3,320 | $277 |
| Jaguar F-Type | Sports Car | $3,492 | $291 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,666 | $306 |
| Porsche Taycan | Sports Car | $3,752 | $313 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 26, 2025
Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in North Dakota.
Cheapest luxury car auto insurance rates
The Acura Integra ranks #1 as the cheapest luxury car model to insure in Minot, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model costs an average of $1,970 per year for full-coverage auto insurance.
Some other luxury cars that are affordable to insure include the Lexus RC 300, Genesis G70, Mercedes-Benz AMG CLA35, and Lexus ES 350, with an average cost of $2,328 per year or less.
Additional vehicles that rank well include the Lexus IS 350, Lexus RC 350, Cadillac CT5, Lexus ES 300h, and Lexus ES 250, which average between $2,328 and $2,482 per year for full-coverage insurance.
On a monthly basis, full-coverage car insurance in this segment starts at around $164 per month, depending on the company.
If insurance rates are ranked by vehicle size, the lowest-cost compact luxury car to insure in Minot is the Acura Integra at $1,970 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the cheapest rates at $2,280 per year. And for large luxury cars, the Audi A5 has the best rates at $2,630 per year.
The rate comparison table below ranks the luxury cars with the cheapest insurance rates in Minot.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,970 | $164 |
| BMW 330i | Compact | $2,254 | $188 |
| Lexus IS 300 | Midsize | $2,280 | $190 |
| Mercedes-Benz CLA250 | Midsize | $2,280 | $190 |
| Acura TLX | Compact | $2,292 | $191 |
| Cadillac CT4 | Compact | $2,314 | $193 |
| Lexus ES 350 | Midsize | $2,314 | $193 |
| Genesis G70 | Compact | $2,318 | $193 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,322 | $194 |
| Lexus RC 300 | Midsize | $2,328 | $194 |
| Lexus IS 350 | Compact | $2,338 | $195 |
| Jaguar XF | Midsize | $2,342 | $195 |
| Cadillac CT5 | Midsize | $2,388 | $199 |
| Lexus ES 250 | Midsize | $2,396 | $200 |
| BMW 330e | Compact | $2,404 | $200 |
| Lexus RC 350 | Compact | $2,404 | $200 |
| BMW 228i | Compact | $2,408 | $201 |
| BMW 230i | Compact | $2,428 | $202 |
| Lexus ES 300h | Midsize | $2,432 | $203 |
| Audi S3 | Compact | $2,482 | $207 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 27, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Don’t see insurance cost for your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Minot car insurance quotes from top-rated auto insurance companies in North Dakota.
Cheapest luxury SUVs to insure
The Acura RDX takes the top ranking for the most affordable luxury SUV to insure in Minot, followed closely by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model costs an average of $1,850 per year to insure with full coverage.
Not the cheapest luxury SUVs to insure, but still affordable, are SUVs like the Lincoln Corsair, Lexus NX 350h, Lexus NX 450h, and Mercedes-Benz GLB 250, with an average car insurance cost of $2,134 per year or less.
Full-coverage insurance for this segment in Minot for a safe driver starts at around $154 per month, depending on your company and location.
When vehicle size is considered, the most affordable compact luxury SUV to insure in Minot is the Acura RDX at $1,850 per year, or $154 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,070 per year, or $173 per month. And for full-size luxury models, the Infiniti QX80 is cheapest to insure at $2,482 per year, or $207 per month.
The comparison table below ranks the SUVs with the lowest-cost auto insurance rates in Minot, starting with the Acura RDX at $154 per month and ending with the Lexus RX 350 at $185 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,850 | $154 |
| Lexus NX 250 | Compact | $1,960 | $163 |
| Cadillac XT4 | Compact | $2,000 | $167 |
| Jaguar E-Pace | Midsize | $2,070 | $173 |
| Cadillac XT5 | Midsize | $2,090 | $174 |
| Lexus NX 350h | Compact | $2,090 | $174 |
| Lincoln Corsair | Compact | $2,116 | $176 |
| Mercedes-Benz GLB 250 | Compact | $2,120 | $177 |
| Lexus UX 250h | Compact | $2,124 | $177 |
| Lexus NX 450h | Compact | $2,134 | $178 |
| Infiniti QX50 | Midsize | $2,152 | $179 |
| Mercedes-Benz GLA250 | Compact | $2,160 | $180 |
| Cadillac XT6 | Midsize | $2,166 | $181 |
| Mercedes-Benz GLA35 AMG | Compact | $2,166 | $181 |
| Infiniti QX60 | Midsize | $2,176 | $181 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,182 | $182 |
| Land Rover Evoque | Compact | $2,210 | $184 |
| Acura MDX | Midsize | $2,212 | $184 |
| Lexus NX 350 | Compact | $2,222 | $185 |
| Lexus RX 350 | Midsize | $2,222 | $185 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minot, ND Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Don’t see insurance cost for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in North Dakota.
Car insurance cost examples
In an effort to clarify the extent to which the cost of auto insurance can deviate from one person to the next, the sections below show multiple rates for four popular models in Minot: the Chevrolet Silverado, Toyota RAV4, Toyota Highlander, and Toyota Camry.
Each illustration uses a variety of different driver profiles to demonstrate the cost fluctuation based on changes in the type of driver rated on the policy.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Minot costs an average of $2,448 per year ($204 per month) and varies from $2,028 to $5,684 per year for the driver ages and policy situations in the rate chart shown below.
The Chevrolet Silverado is a full-size truck, and additional models from the same segment that are popular in Minot, North Dakota, include the GMC Sierra, Nissan Titan, Ford F150, and Ram Truck.
Toyota RAV4 insurance rates
In Minot, Toyota RAV4 insurance averages $2,040 per year, or about $170 per month, and varies from $1,696 to $4,696 annually for the driver ages and coverage limits shown in the insurance cost chart below.
The Toyota RAV4 belongs to the compact SUV segment, and other models in that segment include the Mazda CX-5, Honda CR-V, Subaru Forester, and Nissan Rogue.
Toyota Highlander insurance rates
Toyota Highlander insurance in Minot costs an average of $2,014 per year, or around $168 per month, and varies from $1,674 to $4,604 annually.
The Toyota Highlander is classified as a midsize SUV, and additional similar models include the Ford Explorer, Kia Sorento, Jeep Grand Cherokee, and Ford Edge.
Toyota Camry insurance rates
Toyota Camry insurance in Minot averages $2,378 per year ($198 per month) and has a range of $1,978 to $5,468 per year.
The Toyota Camry is a midsize car, and other models from that segment that are popular in Minot, North Dakota, include the Chevrolet Malibu, Honda Accord, and Nissan Altima.
Tips for getting cheaper Minot car insurance quotes
Financially savvy drivers should always be thinking of ways to reduce the monthly expense for insurance So review the money-saving tips in the list below and maybe you’ll find a way to save a little dough on your next car insurance policy.
- Shop around and save. Setting aside a few minutes to get free car insurance quotes is our best recommendation for saving money. Rates change quite often and you can switch anytime.
- Policy discounts mean cheaper auto insurance. Savings may be available if the insureds insure their home and car with the same company, are military or federal employees, are loyal customers, are claim-free, choose electronic billing, or many other policy discounts which could save the average Minot driver as much as $374 per year.
- Pay small claims out-of-pocket. Car insurance companies give a discounted rate if you have not filed any claims. Auto insurance is intended to be used to protect you from significant financial loss, not minor claims.
- If your car is older, remove unneeded coverages. Deleting comprehensive and collision coverage from older vehicles whose value has decreased will cut the cost of insurance considerably.
- Compare car insurance rates before buying a car. Different cars, trucks, and SUVs have significantly different auto insurance rates, and car insurance companies can sell policies with a wide range of costs. Check prices before you purchase in order to avoid insurance sticker shock when you get the bill.
- Get cheaper rates because of your occupation. Most auto insurance companies offer policy discounts for having a job in professions like emergency medical technicians, engineers, architects, lawyers, scientists, nurses, and others. Obtaining this discount could potentially save between $66 and $215 on your auto insurance bill, depending on the level of coverage purchased.
- Bring up your credit score and save. Maintaining a high credit score could save a minimum of $348 per year when compared to a good credit rating of 670-739. Conversely, a subpar credit rating could cost up to $403 more per year. Not all states use credit score as a rating factor, so check with your agent or company.