How Much Does Auto Insurance Cost for 18 Year Olds in North Dakota?

For teen drivers, one of the more important criteria used to establish the amount you pay for auto insurance is where you choose to live. Urban areas that are densely populated like Bottineau, Carrington, and Belcourt are more likely to pay higher prices, whereas areas that are not as densely populated receive better rates.

The information below ranks the priciest cities in North Dakota for 18 year olds in which to buy car insurance.

Rate quotes are comparative as vehicle location can alter price quotes substantially.

Finding reliable, budget insurance is confusing at best, and determining which insurers offer the cheapest car insurance rates for 18 year olds involves additional perseverance. Coverage prices will probably be significantly more than the average policy in North Dakota, with the increase attributed to the higher likelihood of claims associated with offering coverage for teen drivers, but reasonable coverage may be attainable if you compare enough rates. Each company has their own process for establishing rates, so to begin we’ll rank the most budget-friendly car insurance companies in North Dakota.

It’s important to know that North Dakota car insurance rates are impacted by many things that can increase the policy price. Events such as a birthday, buying a newer car, or getting a ticket for careless driving may prompt premium changes that may make certain companies cheaper in comparison to the competition.

Cheap Insurance Rates for Teens

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USAA normally has some of the lowest car insurance rates in North Dakota at around $711 each year. Allied, Nodak Mutual, Grinnell, and State Farm also rank well as some of the more affordable North Dakota car insurance companies.

As illustrated above, if you currently buy coverage from Grinnell and switched to Allied, you could realize an annual savings of in the vicinity of $138. North Dakota drivers with State Farm could save as much as $199 a year, and Safeco policyholders might see rate reductions of $247 a year.

These policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a rate increase for 18 year olds. So the insurer that fits your situation best may not even be included in the above list. That underscores the importance of why you need to get rate quotes using your own specific driver information and vehicle.

The illustration below highlights how deductible selection can change insurance prices when quoting cheap insurance for 18 year olds. The premiums assume a single female driver, full physical damage coverage, and no other discounts are factored in.

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The chart above illustrates that a 30-year-old driver could reduce rates by $382 a year by changing from a $100 deductible up to a $500 deductible, or save $578 by using a $1,000 deductible. Younger drivers, like the Age 20 chart data, can cut as much as $852 each year by selecting a higher deductible.

When raising deductibles, it’s a good idea to have emergency funds available to pay the extra out-of-pocket expense that is associated with using high deductibles.

State Farm, Progressive, Geico, or Allstate: Which is best?

When shopping around for car insurance, probably the best companies to start with are State Farm, Progressive, Geico, and Allstate. The table below points out some of the different features shoppers can expect to find with each one.