Cheap Auto Insurance Quotes for Good Drivers in North Dakota

Establishing which companies have the cheapest auto insurance rates for good drivers may require a little more effort in order to find coverage that fits your buget.

Every auto insurer has a proprietary formula to establish rates, so let’s take a look at the most affordable auto insurance companies in North Dakota.

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USAA may offer some of the cheapest car insurance rates in North Dakota at around $725 each year. Allied, Nodak Mutual, Grinnell, and State Farm also qualify as some of the cheaper North Dakota car insurance companies.

As illustrated above, if you are a customer of Allied and switched to USAA, you might achieve an annual savings of about $187. Policyholders with Nodak Mutual might save as much as $221 a year, and Grinnell customers might realize rate reductions of up to $314 a year.

It’s important to note that these premiums are averaged across all drivers and vehicles and do not factor in a rate discount for good drivers. So the auto insurance company that can offer the best rates for your situation may not even be in the chart above. That is why you need to compare rates from multiple companies using your own individual information.

We all have different tastes in cars, and the vehicle you are seeking coverage for is one of the largest considerations that determines whether or not you find cheap auto insurance for good drivers in North Dakota. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost more to insure than more modest models.

The data below features coverage costs for a number of the more afforable automobiles to buy insurance for.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in specific North Dakota garaging location which can increase or decrease rates significantly.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in North Dakota location which can revise auto insurance rates significantly.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in North Dakota location which can lower or raise rates significantly.

When buying insurance for safe drivers, one of the key considerations that establish a rate quote is where your residence is. Densely populated urban areas like Hazen, Rugby, and Williston will most likely pay more, whereas less populated areas benefit from lower prices.

The following table ranks the most expensive places in North Dakota for good drivers to purchase auto insurance in.

Information shown are comparative as vehicle location can change prices significantly.

Full coverage rates vs. liability-only in North Dakota

Finding cheap auto insurance for good drivers in North Dakota should be important to the majority of vehicle owners, and one common way to save on the cost of insurance is to only buy liability coverage. The example below compares insurance costs with liability coverage only compared to full coverage. The premiums assume no claims, a clean driving record, $500 deductibles, single status, and no discounts are factored in.

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If we average all the age groups together, full coverage on your policy costs an extra $1,908 per year more than carrying just liability coverage. That amount may make you wonder if you should buy full coverage at all. There is no clear-cut rule of when to exclude comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If you are paying over $500 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

Ending up with the highest-rated car insurance company can be difficult considering how many different companies sell coverage in North Dakota. The rank data in the lists below could help you pick which car insurance companies to look at shopping prices with.

These rankings are only comprised of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in North Dakota are not included in this list. If you’d like to compare prices from the most competitive companies in North Dakota, click here.

Top 10 Large Car Insurance Companies in North Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. The General

How to find economical auto insurance for good drivers

Here are many thrifty solutions that can help North Dakota drivers quote cheaper coverage.

• Avoid speeding and other traffic citations and pay less
• Buying home and auto together can help save money
• Raise comprehensive and collision coverage deductibles
• Avoid having at-fault accidents
• Try to pay small claims out-of-pocket
• Clean up your credit rating
• Compare rates regularly to ensure the best deal

That last piece of advice is certainly important, as we pointed out in this article. Car insurance rates in North Dakota change frequently, so drivers shouldn’t be reluctant to buy from a new company if you find a cheaper price. Having a favorite company is great, but it’s not a great idea if your bullheadedness ends up costing you big bucks every year. Now is a great time to compare rates and find cheaper car insurance for good drivers.