How Much is Car Insurance for a 20 Year Old Female in North Dakota?

Cost and performance of the vehicle on the policy is one of the main factors when comparing quotes for economical auto insurance for 20 year old women. Vehicles with average performance, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than higher performance models. The tables below shows car insurance premiums for a number of the cheapest vehicles to buy insurance for.

Data rating is based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in garaging location in North Dakota which can revise premium rates greatly.

Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location information which can decrease or increase rates considerably.

Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in garaging location in North Dakota which can raise or lower rates noticeably.

Deciphering which companies quote the best auto insurance rates for 20 year old women may require a little more sweat in order to find the best policy.

Every auto insurer has their own formula to determine premium rates, so let’s examine the most budget-friendly auto insurance companies in North Dakota. It’s important that readers know that North Dakota auto insurance rates are impacted by many factors that can increase the price of coverage. Simply having another birthday, filing a claim, or getting caught speeding can produce rate changes resulting in some companies being cheaper than competitors.

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USAA may offer some of the cheapest car insurance rates in North Dakota at around $725 a year. Allied, Nodak Mutual, Grinnell, and State Farm are also some of the most economical North Dakota car insurance companies.

As depicted above, if you have coverage with Grinnell and switched to USAA, you might achieve an annual premium reduction of about $345. Policyholders with State Farm may save as much as $383 a year, and Safeco customers might lower prices by up to $431 a year.

To get a quick, customized rate comparison, click here to start your custom quote or visit any of the low-priced companies below.

Be aware that those rates are averaged for all insureds and vehicles and do not take into consideration a rate increase for 20 year old women. So the auto insurance company that can offer you the best price may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.

Poor driving habits will raise your auto insurance rates

The best way to obtain the best auto insurance rates in North Dakota for young women is to be an attentive driver and avoid tickets and accidents. The information below shows how violations and fender-benders can affect insurance costs for different age groups. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

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The data charted above shows the average cost of car insurance in North Dakota per year with a clean driving record and no accidents is $1,486. Receive one speeding ticket and the average cost jumps to $1,706, an increase of $219 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance for 20 year old women increases to an average of $2,320. That’s an increase of $834, or $69 per month, just for a couple of infractions!

The diagram below illustrates how choosing a deductible can influence insurance costs when trying to find cheap insurance for 20 year old women. The data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3261,2995,2703,2429],[‘Age 30’, 2243,2049,1833,1625],[‘Age 40’, 2081,1905,1709,1521],[‘Age 50’, 1819,1665,1493,1331],[‘Age 60’, 1759,1613,1447,1289],[‘Age 70’, 2059,1889,1705,1531]]);var options = {title: ‘Comparison of Deductible Levels and Insurance Prices in North Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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 40-year-old driver could lower their policy premium by $326 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $488 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save as much as $832 each year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have plenty of money set aside to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to get cheap insurance for 20 year old women in North Dakota

The list below summarizes some of the better penny-pinching suggestions that can help North Dakota drivers find cheaper coverage.

• Insure your home and auto with the same company
• Save money by obeying traffic laws and keeping a clean driving record
• Remain accident-free and save
• Try paying for small claims out-of-pocket
• Vehicles with safetly features generally cost less to insure
• Ensure you have the best deal by shopping around regularly

That final tip is remarkably vital, as we pointed out in this piece. Prices charged by car insurance companies in North Dakota adjust frequently, so don’t be unwilling to buy from a different company if you can save money.

Brand loyalty is great, but is isn’t recommended if it’s costing you lots of money. Now is a great time to shop around to find cheaper car insurance for 20 year old women.

Who has the cheapest insurance quotes for young women?

There are many different ways to quote and buy auto insurance in North Dakota, but the most common methods are using an exlusive agent such as Auto-Owners or State Farm, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive.

They all have the same end result, but each is different in how they give price quotes.

Independent agents are appointed by several companies and can get policy pricing from all of them. These types of agents possess the freedom to compare multiple rates, which may give you more bang for your buck. If your agent finds better pricing, they simply switch companies in-house and you won’t have to switch agencies.

An agent who is captive is contracted to one insurance company, two popular examples being an Auto-Owners or State Farm agent. Exclusive agents are unable to provide rate quotes from other companies, so they have no alternatives for high prices.

Auto insurance from a direct company means you skip an agent and instead buy from a direct company like Esurance or Progressive. Buying direct is a good choice for people who do not need advice for asset protection and know more than average about how auto insurance works.

Which way works best to find cheap insurance for 20 year old women in North Dakota? One answer would be buying direct results in the best prices since there is no middleman, but in reality, that is not true. A valid argument could also be made that buying auto insurance from an independent agent is the best way to save since there are more companies to choose from, but that assumption is also not necessarily accurate. In many circumstances, exclusive agencies may have very competitive prices that are the lowest in North Dakota.

Due to the large number of rating factors, the one way to get rock-bottom rates is to get quotes and compare the rates. If you want to save money, get price quotes all three ways to have the best selection of rates to choose from. For a list of companies with some of the cheapest North Dakota auto insurance rates, click here to view.