Cheapest Car Insurance Quotes for Teenagers in North Dakota
Enter your North Dakota zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 14, 2019
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When discussing auto insurance, the words cheap or affordable should not be used anywhere in the article. Sad but true, cheap auto insurance for teenagers does not exist. But fear not, because we will show you how you can still find car insurance that is considered budget-friendly.
Deciphering which companies have the most affordable insurance rates for teenagers will involve a bit more effort in order to find the best policy.
Every insurance provider has their own unique process for filing rates in each state, so let’s take a look at the insurance companies that tend to have lower prices in North Dakota. It’s important to know that North Dakota insurance rates are impacted by many factors that can increase your annual premium. Turning one year older, buying another vehicle, or getting a speeding ticket can produce rate changes resulting in some companies being more affordable than the competition.
|Rank||Company||Cost Per Year|
|11||Auto Club Group||$1,488|
|15||National Farmers Union||$1,736|
|View More Rates Go|
USAA offers some of the most affordable car insurance rates in North Dakota at around $725 each year. Allied, Nodak Mutual, Grinnell, and State Farm also qualify as some of the cheapest North Dakota car insurance companies.
As shown in the table above, if you are currently insured with State Farm and switched to Allied, you could earn savings of in the neighborhood of $242. Customers with Safeco could save as much as $256 a year, and Progressive policyholders might see rate reductions of $382 a year.
To get a fast rate comparison, click here to start a quote or click through to the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Understand that those policy rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a price surcharge for teenagers. So the company that can offer you the lowest price may not even be featured in the company chart above. That’s why you need to quote rates from as many companies as possible using your own individual information.
The vehicle model requiring insurance is a large consideration that determines the availability of low-cost insurance for teenagers. Vehicles with reasonable performance levels, an excellent safety record, or low incidents of liability claims will cost significantly less to insure than higher performance models. The list below illustrates coverage rates for a selection of the most cost-effective automobiles to insure in North Dakota.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$2,888|
|Honda CR-V LX 4WD||$2,895|
|Jeep Wrangler Sport 4WD 2-Dr||$2,955|
|Ford F-150 XL Regular Cab 2WD||$2,964|
|Chevrolet Traverse LTZ 2WD||$3,186|
|Ford Explorer XLT 2WD||$3,211|
|Kia Forte EX 4-Dr Sedan||$3,216|
|Dodge Grand Caravan CV||$3,211|
|Toyota Tacoma 2WD||$3,394|
|Honda Odyssey EX W/Rear Entertainment||$3,400|
|Ford Focus SE 4-Dr Sedan||$3,394|
|Ford Edge SE AWD||$3,402|
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Data rating is based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in zip code location which can decrease or increase insurance rates considerably.
Looking at the data, you can conclude that models like the Ford Escape, Honda CR-V, Jeep Wrangler, and Ford F-150 are likely to be a few of the most economical vehicles to insure for teen drivers. The price for an auto insurance policy will tend to be more expensive anyway just due to the fact that there is a higher risk for teenagers, but in general those particular vehicles will probably have the least expensive rates possible.
When shopping for the cheapest car insurance for teen drivers, one of the many things that car insurance companies use to calculate a rate quote is your address in North Dakota. Areas with more people or higher crime rates like Bottineau, Hazen, and Williston tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The illustration below rates the most expensive areas in North Dakota for teenagers to buy car insurance in.
|20||Grand Forks AFB||$1,121|
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Table data uses estimated as the specific garaging location can modify coverage rates considerably.
The illustration below demonstrates how deductibles can change yearly insurance costs when quoting cheap insurance for teenagers. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 30-year-old driver could pocket $378 a year by increasing from a $100 deductible to a $500 deductible, or save $568 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, can save $1,124 or even more by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough funds in savings to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Rate comparison of full coverage and liability-only
Finding the cheapest car insurance for teenagers in North Dakota is important to the majority of vehicle owners, and an effective way to buy cheaper insurance is to buy liability only. The information below shows the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for all age groups, physical damage coverage on your policy costs $1,275 per year more than carrying just liability coverage. That touches on the question when is it safe to stop buying full coverage. There is no clear-cut rule for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $9,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,500 after you pay the deductible. If you are currently paying more than $850 annually to have full coverage, the it may be a good time to stop paying for full coverage.
Allstate, Progressive, State Farm, or Geico: Which is best?
If you want the best auto insurance for teen drivers, four of the larger companies to compare rates for are Allstate, Progressive, State Farm, and Geico. When combined, they insure 48.5% of the entire U.S. car insurance market. They all have the same basic coverages, but each one has slightly different coverages and options that can influence your buying decision. The table below compares and contrasts ratings for price and service, as well as some optional coverages that policyholders can buy.
|Percent of customers who recommend||86%||88%||88%||87%|
|New car replacement||Yes||No||No||No|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
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Who has the cheapest insurance quotes for teen drivers?
There are many ways to shop around for insurance in North Dakota, but the most popular methods are using an exclusive agency like Liberty Mutual or State Farm, an independent insurance agent, or from a direct company like Progressive or Geico. They all have the same end result, but it’s important to understand the differences in how they price policies.
Independent agencies can place your business with multiple companies and can do rate comparisons with all of them. They are not limited to a single company and can give you more rate choices, which can help you get the best shot at cutting your rates. If you want to switch companies, you can get a different policy and you don’t have to find a new agent.
An exlusive, or captive, agency is restricted to just one company such as a State Farm or Liberty Mutual agent. They generally cannot provide rates from more than one company, so keep that in mind.
Consumers who buy insurance direct skip an independent or exclusive agent and instead buy from a direct company like Progressive. Shopping direct may be the best choice drivers who do not need advice for risk management and have a good understanding of the limitations of their policy.
So what is the best way for finding the cheapest car insurance for teenagers in North Dakota? We’d like to tell you buying from a direct company saves money because there is no agent taking a commission, but that is generally not the case. It would also be easy to say buying insurance from an independent agent guarantees the lowest rates because they can quote many companies, but that assumption is also not necessarily accurate. In some circumstances, exclusive agents have extremely competitive rates that independents and direct companies can’t touch.
Due to the large number of rating factors, the only true way to ensure you are not overpaying is to get as many comparison quotes as possible. We recommend you get quotes from all three to get an idea of which is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.
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