Best Cheap Car Insurance Quotes for Infrequent Drivers in North Dakota

It would sure be easy if we could tell you the company that has the most affordable insurance in North Dakota. It’s not that easy, however, as there are a whole bunch of unknowns such as your marital status, if you are a homeowner or renter, the level of liability coverage you want, and if you are a woman or a man, that all impact the cost of your policy. We are going to cover the best ways to compare rates and will hopefully give the reader a solid foundation to find cheaper car insurance in North Dakota.

Finding out which companies offer the lowest-priced car insurance rates for infrequent drivers will require a bit more work in order to find the best price.

Each auto insurance company has their own unique process to establish rates, so we need to take a look at the car insurance companies with the overall cheapest rates in North Dakota.

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USAA may have some of the best car insurance rates in North Dakota at around $704 annually. Allied, Nodak Mutual, Grinnell, and State Farm would also be considered some of the cheaper North Dakota car insurance companies.

In this example, if you are insured with Grinnell and switched to USAA, you may realize savings of in the neighborhood of $324. Drivers with State Farm may save as much as $404 a year, and Safeco policyholders might see rate reductions of $464 a year.

To see how much you can save, click here to start your free quote or feel free to get quotes from the companies below.

These policy rates are averages for all drivers and vehicles in North Dakota and and are not calculated with a price discount for infrequent drivers. So the insurer that is most affordable for your situation may not even be included in the chart above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.

The type of vehicle driven is a large consideration when trying to find cheaper auto insurance for infrequent drivers. Vehicles with higher performance, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more modest models. The data below outlines auto insurance rates for the most cost-effective automobiles to buy insurance for.

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in specific location which can change prices greatly.

Based on these rates, makes and models like the Hyundai Elantra, Ford Escape, Chevrolet Traverse, and Dodge Grand Caravan will definitely be a few of the cheapest vehicles to insure for low mileage drivers.

Illustration showing the impact of accidents and violations

The common sense way to find the best cheap auto insurance for infrequent drivers in North Dakota is to drive safely and avoid getting tickets or having accidents. The chart below highlights how traffic violations and accidents impact insurance premiums for different categories of driver ages. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1575,1759,2259],[‘Age 30’, 1093,1277,1783],[‘Age 40’, 1087,1269,1775],[‘Age 50’, 957,1141,1643],[‘Age 60’, 913,1095,1597],[‘Age 70’, 983,1167,1669]]);var options = {title: ‘Impact of Violations and Accidents on North Dakota Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $1,101. Get written up for one speeding ticket and the average cost surges to $1,285, an increase of $183 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for infrequent drivers jumps again to an average of $1,788. That’s an increase of $686, or $57 per month, just for being a less-than-perfect driver!

The diagram below demonstrates how deductible levels can increase or decrease insurance prices when quoting cheap insurance for infrequent drivers. The rate quotes are based on a married female driver, full coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1915,1757,1575,1401],[‘Age 30’, 1345,1229,1093,967],[‘Age 40’, 1329,1217,1087,965],[‘Age 50’, 1163,1067,957,851],[‘Age 60’, 1111,1019,913,811],[‘Age 70’, 1191,1093,983,879]]);var options = {title: ‘Effect of Higher Deductibles on Auto Insurance Cost in North Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could save $242 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $364 by using a $1,000 deductible. Younger drivers, like the 20-year-old, could reduce their rates up to $514 or even more by using a higher deductible.

If you make the decision to raise deductibles, it is important to have plenty of money set aside to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to find cheaper auto insurance for infrequent drivers

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help you quote the cheapest auto insurance.

• Higher deductibles save money
• Good credit scores may make rates cheaper
• Discounts for being claim-free can be substantial
• Violations like speeding or DUI increase rates
• Avoid accidents and claims
• Bundle car and home insurance and save money
• Compare rates once a year for cheaper prices

The last item on the list is remarkably vital, as we discussed in the prior article. Prices change constantly, so don’t be hesitant to buy from a new company if a cheaper rate is available. Brand loyalty is great, but it’s not a good idea if your bullheadedness ends up costing you money that could be spent on other things. If you have a few minutes, compare rates to find cheaper car insurance for infrequent drivers.