Who Has the Cheapest Auto Insurance for Drivers with a DUI in North Dakota?

Comparing quotes for low-priced insurance is not always easy, and finding out which companies quote the most affordable auto insurance rates for drivers with a DUI calls for even more work. Rates will more than likely be significantly greater than the average policy in North Dakota due to the extra risk that goes along with offering insurance after getting a DUI, but competitively-priced insurance may be achievable with a little diligence. Each insurer uses a different method for filing rates in each state, so we’ll take a look at the auto insurance companies with the overall cheapest rates in North Dakota.

It’s a good idea to be aware that North Dakota auto insurance rates are calculated based on many things that will increase or decrease the price you have to pay for coverage. This price variation is why North Dakota drivers need to compare lots of rates when trying to find cheap car insurance rates for drivers with a DUI. Prices consist of many things and change frequently, so the most economical option the last time you checked may now not even be in the top five.

Lowest Insurance Price Quotes after a DUI

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USAA normally has some of the cheapest car insurance rates in North Dakota at around $711 per year. Allied, Nodak Mutual, Grinnell, and State Farm also make the cut as some of the most economical North Dakota insurance companies.

In this example, if you have coverage with Grinnell and switched to USAA, you could realize yearly savings of around $348. Policyholders with State Farm could save as much as $397 a year, and Safeco customers might reduce prices by as much as $457 a year.

To see if your current coverage is too expensive, click here to get a free quote or click through to the companies below.

Understand that those prices are averaged for all ages of drivers and types of vehicles and are not factoring in a price increase for drivers with a DUI. So the insurer that fits your needs best may not even be shown in the list above. That point stresses why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

When shopping for car insurance after getting a DUI, one of the many factors used to calculate rate quotes is your address in North Dakota. Areas that are densely populated or have higher claim frequency like Williston, Beulah, and Bottineau will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims generally have lower rates.

The illustration below rates the most expensive areas in North Dakota for drivers with a DUI to purchase a policy in.

Annual rates are comparative as zip code location can influence price quotes significantly.

Rate increases following a ticket or accident

The easiest way to find the cheapest car insurance for drivers with a DUI in North Dakota is to pay attention while driving and have a clean driving record. The example below illustrates how speeding tickets and at-fault accidents raise insurance rates for each age group. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

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The data above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,220. Receive one speeding ticket and the average cost increases to $1,403, an increase of $182 each year. Then add in two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with a DUI goes up to an average of $3,036. That’s an increase of $1,815, or $151 per month, just for a couple of infractions!

How to find the cheapest car insurance for drivers with a DUI

It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help North Dakota drivers find cheap coverage.

• Remove physical damage coverage on older vehicles
• Choose a safer vehicle and pay lower rates
• Clean up your credit
• Higher deductibles save money
• Bundle home and auto and earn a discount
• Pay for smaller claims out-of-pocket
• Compare price quotes at least once a year

The last suggestion is extremely significant, as we discussed in the article above. Auto insurance prices in North Dakota can change considerably based on profitability, so don’t hesitate to change to a new company if a better deal can be had. Brand loyalty is great, but it’s not a great idea if that stubbornness costs you a lot of money. Take a couple minutes and compare prices and find cheaper auto insurance for drivers with a DUI.

Who has the cheapest insurance quotes after getting a DUI?

Thanks to the internet, there are a lot of ways to get affordable auto insurance quotes in North Dakota, but the most frequently used methods are through an independent insurance agent, an exclusive insurance agency like Liberty Mutual or State Farm, or from a direct company like Geico or Progressive.

Each way has the same basic steps, but they differ slightly in how they provide price quotes.

Independent insurance agents can place your business with multiple companies and can compare coverage rates with each one. These types of agents can sell policies from many different companies and can quote rates with many companies, which can help you get the best chance of saving money. If a cheaper rate is found, your policy can be easily switched to a different company and you stay with the same agent.

Exclusive agencies are contracted to a single insurance company such as State Farm and Allstate agents. They generally cannot place coverage with different providers, so if rates are high, they cannot give you alternative choices.

Consumers who buy auto insurance direct skip local insurance agents and instead buy direct either online or via phone. This auto insurance option may be good for consumers who have lower risk management needs and know what is covered and what is not.

So which method is best to buy the cheapest car insurance for drivers with a DUI in North Dakota? We’d like to tell you buying from a direct car insurance company results in the cheapest rates since there is no need to pay agent commissions, but in reality, that is not true. We could also say that going through an independent agent results in the cheapest rates because they can shop around, but again, it’s not a sure thing. For the right applicant, exclusive agencies have extremely competitive rates that are well below what direct and independents offer.

Since auto insurance prices vary so much, the best method to get the cheapest rates is to compare, compare, and compare some more. If you want to save money, get rate quotes from all three in order to find the best price. For a list of companies offering online discounts, click here to view.