Who Has the Cheapest Auto Insurance Quotes After a Speeding Ticket in North Dakota?

One of the many things used to determine the price you pay for insurance is where you call home in North Dakota. Areas with more people or even just a higher incidence of claims like Beulah, Belcourt, and Hazen are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims profit from lower rates.

The following table displays the priciest cities in North Dakota after a speeding ticket to buy auto insurance in.

Rate information is approximated as the specific geographic location can influence coverage prices considerably.

Establishing which insurers offer the cheapest insurance rates after a speeding ticket takes a little more work in order to find the most economical policy. Each company uses a little different formula for determining rates, so let’s take a look at the insurance companies that tend to have lower prices in North Dakota.

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USAA may offer some of the cheapest car insurance rates in North Dakota at around $704 per year. Allied, Nodak Mutual, Grinnell, and State Farm also qualify as some of the more affordable North Dakota auto insurance companies.

As illustrated above, if you are a customer of State Farm and switched to Allied, you may realize a yearly price reduction of upwards of $196. Policyholders with Safeco might save as much as $222 a year, and Progressive insureds might see rate reductions of $369 a year.

These premium estimates are averaged for all ages of drivers and types of vehicles and and are not calculated with a rate decrease after a speeding ticket. So the company that can offer you the best price may not even be featured in the above list. That points out the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Geico, Allstate, Progressive, and State Farm compared

If you want the best car insurance after a few driving violations in North Dakota, four companies to take a look at are Geico, Allstate, Progressive, and State Farm. The following table points out ratings for price, service, and claims, in additional to some of the optional coverages that are available.

Who has the cheapest insurance quotes after a few driving violations?

Thanks to the internet, there are a lot of ways to get affordable insurance quotes in North Dakota, but the most popular are through a captive (or exclusive) agent such as State Farm or Auto-Owners, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive.

All three ways are similar, but insurance buyers need to understand the differences in how they provide price quotes.

Independent agencies write business for many companies and can compare rates with every one. Independent agents are not required to write business for one company and can provide you with more rates, which can give you the best idea of how your rates compare. If your agent finds a cheaper company, they simply switch companies in-house which makes it easier to save money.

An exclusive agent is able to place business with one insurance company, two of the more popular are Liberty Mutual and Allstate agents. These guys and gals cannot give you multiple price quotes, so they have no alternatives for high prices.

The third popular method of shopping for insurance is direct, which means you bypass the middleman (the agent) and buy direct online or over the phone from a company like Geico or Progressive. Buying direct is good for families who have little risk and have knowledge of what insurance covers and what it doesn’t.

So which one of the three ways works best to buy the cheapest auto insurance after a speeding ticket in North Dakota? We’d like to tell you buying from a direct car insurance company results in the cheapest rates because there are no middleman commissions, but that is generally not the case. It could also be said buying from an independent agent guarantees the lowest rates since there are more companies to choose from, but again, it’s not necessarily true. And often times, the exclusive agents may have very competitive prices that are the lowest in North Dakota.

Since insurance prices are based on many different factors, the one way to find out which one is cheapest is to get quotes and compare. Make the effort to get prices from all three in order to find the best price. For a list of companies with some of the cheapest North Dakota insurance rates, click here to view.