Best Cheap Auto Insurance in North Dakota
Enter your North Dakota zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 19, 2019
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The words “low-priced” and “insurance” really shouldn’t be used together, in particular when looking for the cheapest car insurance in North Dakota. Because it’s so expensive, let’s open your eyes to some of the things the can have a considerable influence on car insurance premiums, and see if you can take a little off the next policy you buy.
The vehicle you are trying to insure is one of the largest considerations that determines whether or not you find the best cheap auto insurance in North Dakota. Vehicles with lots of horsepower, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.
The next list presents auto insurance premiums for a number of the most cost-effective automobiles to insure in North Dakota.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$623|
|Honda CR-V EX-L 2WD||$640|
|Ford Escape Limited 4WD||$683|
|Chevrolet Traverse LTZ AWD||$706|
|Hyundai Tucson GLS 2WD||$737|
|Chevrolet Silverado LS Regular Cab 4WD||$743|
|Chevrolet Equinox LS 2WD||$737|
|Toyota RAV4 Limited 2WD||$744|
|Honda Odyssey LX||$759|
|Toyota Tacoma 4WD||$768|
|Jeep Wrangler Rubicon 4WD 2-Dr||$759|
|Hyundai Elantra Blue 4-Dr Sedan||$765|
|Subaru Forester X AWD||$770|
|Volkswagen Jetta S 2.5 Station Wagon||$779|
|Ford Explorer XLT 4WD||$781|
|Chevrolet Impala LS||$785|
|Jeep Grand Cherokee Limited 2WD||$799|
|Ford F-150 Lariat Crew Cab Harley 2WD||$804|
|Hyundai Santa Fe GLS 4WD||$806|
|Ford Focus S 4-Dr Sedan||$810|
|Chevrolet Malibu Hybrid||$832|
|Toyota Camry Hybrid||$844|
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in garaging location in North Dakota which can change coverage prices substantially.
Looking at the rates, you can presume that cars like the Honda Accord, Honda CR-V, and Ford Escape are most likely to be a few of the most affordable vehicles to insure for drivers in North Dakota.
Deciphering which companies offer the cheapest insurance rates in North Dakota will require a bit more work in order to find the best price. Each auto insurance company has a unique approach for determining prices, so let’s look at the rankings for the insurance companies with the overall best prices in North Dakota.
It’s a good idea to know that North Dakota insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Simply getting older, moving across town, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being cheaper than others.
|Rank||Company||Cost Per Year|
|11||Auto Club Group||$1,488|
|15||National Farmers Union||$1,789|
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USAA may offer some of the lowest car insurance rates in North Dakota at around $725 a year. Allied, Nodak Mutual, Grinnell, and State Farm also rank well as some of the cheapest North Dakota car insurance companies.
As shown above, if you buy coverage from State Farm and switched to Allied, you could earn a yearly price reduction of roughly $257. Customers with Safeco may save as much as $271 a year, and Progressive customers might lower prices by $396 a year.
Remember that these rates are averaged across all drivers and vehicles in North Dakota and and are not figured with a rate decrease in North Dakota. So the car insurance company that can offer you the best rate may not even be shown in the company chart above. That points out the importance of why you need to get rate quotes using your own driver and vehicle profiles.
Enter your zip code below to view companies that have cheap auto insurance rates.
Tickets and at-fault accidents raise rates
In a perfect world, the ideal way to get the best cheap auto insurance in North Dakota is to be a careful driver and not receive tickets or have accidents. The diagram below highlights how speeding tickets and accidents can raise premium costs for different categories of driver ages. Data assumes a single female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of auto insurance in North Dakota per year with a clean driving record and no accidents is $1,670. Factor in one speeding ticket and the average cost jumps to $1,891, an increase of $221 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance in North Dakota increases to an average of $3,741. That’s an increase of $2,072, or $173 per month, just for being a careless driver!
Do you need full coverage?
Finding the best cheap auto insurance in North Dakota is the goal of most drivers, and one great way to buy cheap insurance is to not buy full coverage. The diagram below illustrates the comparison of insurance costs when comparing full coverage to liability only. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.
If we average the cost for all age groups, physical damage coverage on your policy costs an extra $1,739 per year more than buying just liability insurance. Many of you may wonder when is the right time to remove full coverage. There is no clear-cut formula for phasing out full coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
Finding a high-quality insurance company can be challenging considering how many choices there are in North Dakota. The company rank data displayed below could help you analyze which insurers to look at when shopping insurance around in North Dakota.
These ratings are only comprised of companies that insure vehicles nationwide, so companies without a large exposure are not factored into these rankings. To check rates from these and other competitive companies, just click here.
Top 10 Major Auto Insurance Companies in North Dakota Ranked by Value
- AAA Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
- American Family
Top 10 Major Auto Insurance Companies in North Dakota Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
- The Hartford
Why you should be shopping around
North Dakota insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Simply turning a year older, increasing liability limits, or getting a speeding ticket can trigger price changes that can cause some rates to be more affordable than before.
Not only that, but insurers file new rates as often as every three months in order to offset underwriting gains or losses. Higher than normal claims may cause rate increases, while a profitable period may cause cheaper North Dakota car insurance rates.
To illustrate this point, the chart below shows the companies that have the cheapest car insurance in North Dakota for a 45-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. Based on his personal risk profile, USAA quotes the most affordable car insurance rates in North Dakota at $725 a year. This is $937 less than the average price paid by North Dakota drivers of $1,662. Allied, Nodak Mutual, Grinnell, and State Farm are also on the list of the most affordable North Dakota auto insurance companies.
The example below compares rates after we give the driver in the first chart a couple of claims, a lower credit rating, and a speeding citation. Since each auto insurer has a different process for establishing rates, comparing prices could result in a different set of affordable companies as shown below.
State Auto now has the cheapest insurance rate in North Dakota with Allied, Nodak Mutual, Progressive, and Grinnell also being competitive. This illustrates why consumers need to take the time to do a thorough rate comparison to get the most budget-friendly auto insurance rates in North Dakota.
Rates consist of many different factors and can decrease or increase without notice, so the most affordable company the last time you checked may now be quite expensive.
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