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Best Cheap Car Insurance Quotes After a Speeding Ticket in North Dakota

Enter your North Dakota zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 17, 2019

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The words “affordable” and “insurance” probably shouldn’t be used together, especially when you are shopping around for the best price on coverage after a speeding ticket. Because of the high cost, let’s get started by showing you a few of the things that impact auto insurance prices, and see how we can help you shave a little off your next policy.

When buying auto insurance after a few driving violations, one of the key things that auto insurance companies use to determine the amount you pay each year for auto insurance is where you keep your vehicle. Cities that have higher claim levels or more people like Rugby, Belcourt, and Grafton are more likely to pay higher prices, whereas cities that are not as densely populated generally pay lower auto insurance rates.

The information below rates the highest-priced areas in North Dakota after a speeding ticket to purchase a policy in.

Car insurance prices in North Dakota
Rank City Premium Per Year
1 Rugby $1,339
2 Hazen $1,336
3 Belcourt $1,328
4 Bottineau $1,323
5 Grafton $1,312
6 Beulah $1,310
7 Devils Lake $1,291
8 Carrington $1,289
9 Williston $1,283
10 Bismarck $1,236
11 Minot $1,229
12 Mandan $1,222
13 Dickinson $1,211
14 Lincoln $1,192
15 Valley City $1,179
16 Wahpeton $1,161
17 Casselton $1,143
18 Jamestown $1,136
19 Fargo $1,128
20 Lisbon $1,124
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Annual rates are approximated as the specific garaging location can decrease or increase insurance rates significantly.

Figuring out which companies offer the lowest-priced auto insurance rates after a speeding ticket involves a little more sweat than just quoting one company’s rates. Each auto insurance company has their own process to determine rates, so let’s take a look at the most competitive auto insurance companies in North Dakota.

It’s important that you understand North Dakota auto insurance rates are impacted by many things that may substantially change the cost of having a policy. Simply getting older, marrying your spouse, or getting caught speeding may generate price changes resulting in some rates now being more affordable than the competition.

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

What’s the cheapest car insurance in North Dakota?
Rank Company Cost Per Year
1 USAA $725
2 Allied $912
3 Nodak Mutual $918
4 Grinnell $1,039
5 State Farm $1,108
6 Safeco $1,156
7 Progressive $1,294
8 State Auto $1,313
9 Auto-Owners $1,407
10 Auto Club Group $1,444
11 American Family $1,492
12 Allstate $1,534
13 MetLife $1,541
14 EMC $1,652
15 National Farmers Union $1,789
16 North Star $2,044
17 GEICO $2,059
18 Farmers $2,137
19 Liberty Mutual $2,375
20 Dairyland $5,196
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USAA quotes some of the lowest car insurance rates in North Dakota at around $725 per year. Allied, Nodak Mutual, Grinnell, and State Farm also make the cut as some of the lowest-priced North Dakota auto insurance companies.

In the rate table above, if you currently have a policy with Allied and switched to USAA, you might realize annual savings of in the neighborhood of $187. Customers with Nodak Mutual may save as much as $193 a year, and Grinnell customers might see rate reductions of $314 a year.

It’s important to note that these policy prices are averages across all types of drivers and the different vehicles they drive and and are not figured with a price discount after a speeding ticket. So the car insurance company that is best suited for you may not even be shown in the list of companies shown earlier. That points out the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.

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

The car, truck, or SUV you are seeking coverage for is one of the largest considerations that determines whether or not you can buy the best cheap car insurance after a speeding ticket in North Dakota. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The next tables features car insurance costs for the cheaper automobiles to buy insurance for.

Insurance Rates for Popular Cars in North Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,326 $663 $111
Ford Fusion Sport 4-Dr Sedan $1,406 $703 $117
Honda Accord LX 4-Dr Sedan $1,094 $547 $91
Honda Civic SI 2-Dr Coupe $1,722 $861 $144
Hyundai Sonata GLS 4-Dr Sedan $1,374 $687 $115
Kia Optima EX $1,486 $743 $124
Nissan Altima 2.5 S 2-Dr Coupe $1,486 $743 $124
Toyota Camry XLE $1,374 $687 $115
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Data based on married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in vehicle location which can influence insurance rates noticeably.

Insurance Rates for Popular SUVs and Crossovers in North Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LS 2WD $1,124 $562 $94
Ford Escape XLS 4WD $1,094 $547 $91
Ford Explorer Limited 2WD $1,326 $663 $111
GMC Acadia SL AWD $1,214 $607 $101
GMC Terrain SLE AWD $1,204 $602 $100
Honda CR-V EX-L 2WD $1,124 $562 $94
Honda Fit $1,060 $530 $88
Honda Pilot Touring 2WD $1,326 $663 $111
Jeep Grand Cherokee Laredo 4WD $1,294 $647 $108
Nissan Pathfinder S 2WD $1,184 $592 $99
Toyota Highlander Hybrid Limited 4WD $1,436 $718 $120
Toyota RAV4 4WD $1,294 $647 $108
Volvo XC90 V8 AWD $1,516 $758 $126
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Table data assumes married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can alter rates noticeably.

Auto Insurance Rates for Popular Pickup Trucks in North Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Extended Cab 4WD $1,672 $836 $139
Chevrolet Silverado Crew Cab Hybrid 4WD $1,516 $758 $126
Dodge Ram Crew Cab Laramie 2WD $1,516 $758 $126
Ford F-150 SVT Raptor Super Cab 4WD $1,326 $663 $111
Ford F-250 XL Super Cab Harley Edition 4WD $1,592 $796 $133
Ford F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,548 $774 $129
GMC Sierra 2500HD SLT Extended Cab 2WD $1,566 $783 $131
GMC Sierra SL Crew Cab 4WD $1,406 $703 $117
Toyota Tacoma Double Cab 4WD $1,326 $663 $111
Toyota Tundra Regular Cab 4WD $1,406 $703 $117
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Table data represents married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can change auto insurance rates significantly.

Get discount North Dakota car insurance

Discounts on auto insurance after a speeding ticketInsurers that provide the best cheap car insurance after a speeding ticket in North Dakota may also offer policy discounts that could reduce prices by 35% or more if you meet certain criteria. Larger auto insurance companies and some of the premium reductions they offer are included below.

  • Progressive offers discounts for continuous coverage, multi-vehicle, online quote discount, multi-policy, and good student.
  • The Hartford offers discounts including vehicle fuel type, defensive driver, bundle, anti-theft, driver training, air bag, and good student.
  • Mercury Insurance may have discounts that include multi-car, accident-free, location of vehicle, age of vehicle, and good student.
  • GEICO may include discounts for multi-policy, five-year accident-free, seat belt use, federal employee, air bags, and anti-theft.
  • AAA has savings for multi-car, anti-theft, education and occupation, AAA membership discount, good student, pay-in-full, and good driver.
  • State Farm discounts include Steer Clear safe driver discount, safe vehicle, multiple autos, anti-theft, defensive driving training, and passive restraint.

The example below shows the comparison of premium costs with and without discounts. The data is based on a female driver, no accidents and one traffic ticket, North Dakota state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with continuous coverage, passive restraint, multiple vehicle, paid-in-full, paperless filing, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance after a speeding ticket is 28% or $697.

Careless driving habits raise North Dakota auto insurance rates

The easiest way to snag the cheapest auto insurance rates in North Dakota after a few driving violations is to pay attention while driving and avoid accidents and keep your driving record clean. The diagram below shows how speeding tickets and at-fault claims can raise car insurance costs for each different age group. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,461. Get one speeding ticket and the average cost increases to $1,705, an increase of $245 each year. Now include one accident along with the one speeding ticket and the annual cost of auto insurance after a speeding ticket jumps again to an average of $2,390. That’s an increase of $930, or $77 per month, just for not paying attention while driving!

Choosing a highly-rated insurance company is difficult considering how many companies there are in North Dakota. The ranking data listed below can help you select which car insurance providers you want to consider when shopping car insurance rates after a speeding ticket. The rankings below are only comprised of large, nationwide insurance companies, so companies with more of a regional focus are not factored into this list.

Top 10 Large Auto Insurers in North Dakota Ranked by Customer Satisfaction

  1. USAA – 92%
  2. 21st Century – 88%
  3. Nationwide – 88%
  4. American Family – 88%
  5. State Farm – 88%
  6. Farmers Insurance – 87%
  7. Liberty Mutual – 87%
  8. AAA Insurance – 87%
  9. The Hartford – 87%
  10. Progressive – 87%

Top 10 Large Auto Insurers in North Dakota Ranked by A.M. Best Rating

  1. USAA – A++
  2. GEICO – A++
  3. State Farm – A++
  4. Allstate – A+
  5. Progressive – A+
  6. Esurance – A+
  7. Nationwide – A+
  8. The Hartford – A+
  9. The General – A-
  10. Safeco Insurance – A

Shop around and save

North Dakota auto insurance rates are calculated based on many things that may substantially change the cost of having a policy. Getting older, buying a home instead of renting, or getting a couple of tickets can trigger price changes that can cause some rates to be affordable when they were higher priced.

In addition, insurers change the rates they charge in North Dakota without warning to help ensure profitability. An unexpected high level of claims can result in more expensive prices, while profitable underwriting may cause lower-cost North Dakota car insurance rates.

The data below shows which company has the cheapest car insurance in North Dakota for a 35-year-old female driver with no prior accidents, a clean driving record, and excellent credit. When comparing rates based on her current risk profile, USAA might offer the cheapest car insurance rates in North Dakota at $711 per year. This is $951 less than the average price paid by North Dakota drivers of $1,662. Allied, Nodak Mutual, Grinnell, and State Farm are the rest of the cheapest North Dakota auto insurance companies.

Now let’s give the driver in the first example a claim or two, a lower credit rating, and an imperfect driving record. Since each auto insurer has a proprietary method to set policy rates, comparing rates may now result in a slightly different list of companies as shown below.

Allied now has the cheapest car insurance in North Dakota with Progressive, Nodak Mutual, State Auto, and Auto-Owners also having competitive pricing. This example illustrates why drivers need to compare many different companies when trying to get the cheapest car insurance quotes after a speeding ticket.

Car insurance prices can be determined by many different factors and change frequently, so the lowest-price company the last time you shopped your coverage around may now be quite expensive.

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