How Much Does Auto Insurance Cost for 16 Year Olds in North Dakota?

Wouldn’t it be great if we could look into our crystal ball and tell you the single best company in North Dakota that has the cheapest insurance for 16 year olds? It’s just not that simple, as there are a whole bunch of unknown aspects like where you choose to live in North Dakota, your financial responsibility, the amount of liability coverage you need, and what level of deductibles you wish to have. We will try to cover the best ways to shop for cheaper coverage and will hopefully give you a good start in finding the cheapest car insurance.

One of the key things that is used to help calculate the amount you pay for auto insurance is your address in North Dakota. Areas with more people or even just a higher incidence of claims like Hazen, Rugby, and Williston tend to have higher rates, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.

The information below displays the higher priced cities in North Dakota for 16 year olds to buy car insurance in.

Rates are comparative as the specific geographic location can raise or lower premium rates significantly.

The type of vehicle that is being insured is a significant factor that determines the availablility of cheap insurance for 16 year olds in North Dakota. Vehicles with higher performance characteristics, poor safety ratings, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.

The tables below estimates car insurance prices for a handful of the most cost-effective automobiles to buy insurance for.

Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in your specific North Dakota location which can affect coverage rates noticeably.

Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in garaging location in North Dakota which can influence insurance rates greatly.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in vehicle location which can alter premium rates noticeably.

Trying to buy low-priced car insurance is not always easy, and finding out which company quotes the most affordable auto insurance rates for 16 year olds requires even more work. Premiums will probably be quite a bit greater than the average price in North Dakota, with the increase attributed to the added risk related to selling coverage for new drivers, but reasonably-priced insurance should be possible if you carefully shop around. Every car insurance company has a unique formula for determining rates in each state, so let’s take a look at the auto insurance companies with the overall best prices in North Dakota.

We do need to point out that North Dakota auto insurance rates are impacted by many factors that may substantially change the price you pay for coverage. Price variation is why it is critical to spend some time comparing rates to find the most budget-friendly insurance rates for 16 year olds. Car insurance prices are made up of many risk factors and change frequently, so the best option three years ago may now cost much more than other companies.

Best Car Insurance Prices for Teens

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USAA offers some of the best car insurance rates in North Dakota at around $732 a year. Allied, Nodak Mutual, Grinnell, and Safeco also are some of the cheaper North Dakota insurance companies.

In the rate table above, if you are currently insured with Allied and switched to USAA, you could see an annual premium reduction of upwards of $162. North Dakota drivers with Nodak Mutual might save as much as $214 a year, and Grinnell policyholders might see rate reductions of $307 a year.

To find out how much you can save, click here to get a free quote or feel free to get quotes from the companies below.

Bear in mind that those premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a rate increase for 16 year olds. So the company that can offer you the lowest price may not even be in the list above. That point stresses why you need to get car insurance quotes using your own individual information.

Discount North Dakota insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-16-year-olds-nd.jpg" alt="Cheaper North Dakota auto insurance for new drivers”/>Insurers that sell cheap insurance for 16 year olds in North Dakota may provide price discounts that can reduce rates by as much as 35% or more if you meet eligibility requirements. A list of companies and some of the premium reductions they offer are shown below.

The chart below shows the comparison of car insurance rates with and without discounts applied to the rates. The rates are based on a male driver, no claims or driving citations, North Dakota state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, paperless filing, paid-in-full, good student, passive restraint, and continuous coverage discounts applied. When these discounts are applied, the average savings per year on auto insurance for 16 year olds is 17% or $492.

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Insuring your vehicle with the top auto insurance provider can be a challenge considering how many companies there are to choose from in North Dakota. The company ratings in the lists below may help you analyze which car insurance companies you want to consider comparing rates from.

These rankings include major nationwide insurance companies, so smaller companies that only insure vehicles in North Dakota are not taken into consideration for this list. If you would like to check rates from these and other competitive companies, click here.

Top 10 Large Auto Insurance Companies in North Dakota Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top 10 Large Auto 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

Allstate vs Geico vs State Farm vs Progressive

If you want reliable car insurance for new drivers in North Dakota, four companies to consider are Allstate, Geico, State Farm, and Progressive. All offer your standard physical damage and liability coverages, but each one has unique options and discounts that add value to each policy. The table below rates ratings and policy coverage options offered by each one.