One of the more important things used to establish a rate quote is where you choose to live in North Dakota. Areas with a lot of weather claims or more people like Beulah, Hazen, and Belcourt are more likely to pay higher prices, whereas areas with less congestion benefit from having to pay less for coverage.
The information below sorts the higher priced cities in North Dakota for 19 year olds to buy auto insurance in.
Rank | City | Annual Rate |
---|---|---|
1 | Beulah | $1,349 |
2 | Rugby | $1,326 |
3 | Hazen | $1,310 |
4 | Devils Lake | $1,291 |
5 | Belcourt | $1,289 |
6 | Bottineau | $1,284 |
7 | Carrington | $1,276 |
8 | Grafton | $1,273 |
9 | Williston | $1,270 |
10 | Bismarck | $1,236 |
11 | Dickinson | $1,235 |
12 | Mandan | $1,198 |
13 | Minot | $1,193 |
14 | Lincoln | $1,192 |
15 | Valley City | $1,179 |
16 | Wahpeton | $1,161 |
17 | Jamestown | $1,158 |
18 | Casselton | $1,155 |
19 | Lisbon | $1,136 |
20 | Fargo | $1,128 |
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Rate quotes are comparative as the specific geographic location can decrease or increase price quotes significantly.
The vehicle requiring coverage is one of the main factors when quoting the cheapest auto insurance for 19 year olds in North Dakota. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost more to insure than more modest models.
The information below showcases car insurance costs for the cheapest automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus S 4-Dr Sedan | $2,746 | $1,373 | $229 |
Ford Fusion SEL AWD 4-Dr Sedan | $3,222 | $1,611 | $269 |
Honda Accord EX 2-Dr Coupe | $3,156 | $1,578 | $263 |
Hyundai Elantra SE Touring Station Wagon | $2,558 | $1,279 | $213 |
Hyundai Sonata Limited 4-Dr Sedan | $3,190 | $1,595 | $266 |
Kia Optima EX | $3,190 | $1,595 | $266 |
Nissan Altima Hybrid 4-Dr Sedan | $3,000 | $1,500 | $250 |
Toyota Camry Hybrid | $3,190 | $1,595 | $266 |
Volkswagen Jetta 2.0T 4-Dr Sedan | $3,000 | $1,500 | $250 |
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Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in vehicle location which can change premium rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Suburban LTZ 4WD | $3,034 | $1,517 | $253 |
Chevrolet Traverse LTZ AWD | $2,592 | $1,296 | $216 |
Ford Escape XLS 4WD | $2,336 | $1,168 | $195 |
Ford Explorer Limited 4WD | $2,812 | $1,406 | $234 |
GMC Acadia SLE AWD | $2,778 | $1,389 | $232 |
Honda CR-V EX 2WD | $2,336 | $1,168 | $195 |
Honda Pilot EX-L 2WD | $2,812 | $1,406 | $234 |
Jeep Grand Cherokee Laredo 4WD | $2,778 | $1,389 | $232 |
Jeep Wrangler Rubicon 4WD 2-Dr | $2,588 | $1,294 | $216 |
Lexus RX 350 4WD | $3,412 | $1,706 | $284 |
Nissan Pathfinder SE 4WD | $2,588 | $1,294 | $216 |
Toyota 4Runner Limited 2WD | $2,814 | $1,407 | $235 |
Toyota Highlander Hybrid Limited 4WD | $3,034 | $1,517 | $253 |
Toyota RAV4 Sport 2WD | $2,778 | $1,389 | $232 |
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Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can influence premium rates significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado LS Regular Cab 2WD | $2,746 | $1,373 | $229 |
Dodge Ram Quad Cab SLT 4WD | $3,002 | $1,501 | $250 |
Ford F-150 Lariat Super Cab 2WD | $2,812 | $1,406 | $234 |
Ford F-250 XLT 4WD | $3,366 | $1,683 | $281 |
Ford F-350 Super Cab Lariat Turbo Diesel 4WD | $3,986 | $1,993 | $332 |
GMC Canyon SLE Regular Cab 2WD | $2,556 | $1,278 | $213 |
GMC Sierra 3500HD SLE Regular Cab 2WD | $3,034 | $1,517 | $253 |
GMC Sierra SLT Extended Cab 4WD | $3,000 | $1,500 | $250 |
Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $2,812 | $1,406 | $234 |
Toyota Tundra SR/5 Crew Max 2WD | $2,968 | $1,484 | $247 |
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Table data represents single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location information which can modify insurance rates considerably.
The best way to earn the cheapest auto insurance for 19 year olds in North Dakota is to drive safe and avoid tickets and accidents. The information below shows how speeding tickets and accident claims can impact insurance rates for each age group. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2499,3039,5297],[‘Age 30’, 1279,1817,4079],[‘Age 40’, 1251,1789,4049],[‘Age 50’, 1149,1687,3949],[‘Age 60’, 1131,1667,3927],[‘Age 70’, 1335,1873,4133]]);var options = {title: ‘Effect of Tickets and Accidents on North Dakota Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in North Dakota’,minValue: 0,format: ‘$###,###’},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);}
In the previous example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,441. Get two speeding tickets and the average cost jumps to $1,979, an increase of $538 each year. Then add two accidents along with the two speeding tickets and the yearly cost of car insurance for 19 year olds goes up to an average of $4,239. That’s an increase of $2,798, or $233 per month, just for not keeping your driving record clean!
<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-19-year-olds-nd.jpg" alt="Cheaper North Dakota car insurance for teenage drivers”/>Insurers that provide the cheapest auto insurance for 19 year olds in North Dakota may also give you rate discounts that can lower rates by as much as 40% or more if you qualify. A list of companies and some of their more popular discounts can be read below.
Discount | Progressive | State Farm | Allstate | Geico | Nationwide | Farmers | Liberty Mutual |
---|---|---|---|---|---|---|---|
Multi-policy | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Multi-vehicle | Yes | Yes | No | Yes | Yes | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | No | Yes | Yes | Yes | No | No | Yes |
Air bags | No | Yes | Yes | Yes | Yes | Yes | Yes |
New vehicle | No | Yes | Yes | No | Yes | Yes | No |
Eco-friendly vehicle | No | No | Yes | No | No | Yes | Yes |
Accident-free | Yes | Yes | Yes | Yes | Yes | Yes | No |
Defensive driving course | Yes | Yes | Yes | Yes | Yes | Yes | No |
Low mileage | Yes | Yes | Yes | No | Yes | No | Yes |
Armed forces | Yes | Yes | No | Yes | No | Yes | No |
Occupational | No | No | No | Yes | Yes | Yes | Yes |
Pay in full | Yes | No | Yes | Yes | Yes | Yes | Yes |
Auto-pay | Yes | No | Yes | Yes | Yes | Yes | Yes |
Brand loyalty | Yes | Yes | No | No | Yes | Yes | No |
Early sign-up | No | No | Yes | No | Yes | Yes | No |
Good student | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Student at college | Yes | Yes | Yes | No | Yes | Yes | Yes |
Own home | Yes | No | No | No | No | Yes | No |
Use seat belts | No | No | No | Yes | No | No | No |
Online quote | Yes | No | No | No | No | No | No |
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The example below illustrates the difference between auto insurance rates with and without discounts applied to the rates. The prices are based on a male driver, a clean driving record, no claims, North Dakota state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, marriage, accident-free, multiple vehicle, anti-theft, and defensive driving course discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for 19 year olds is 13% or $429.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 19’, 5067,3639],[‘Age 30’, 2097,1523],[‘Age 40’, 2087,1513],[‘Age 50’, 1895,1373],[‘Age 60’, 1833,1327]]);var options = {title: ‘Insurance Premium Comparison for 19 Year Olds’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help you find lower-cost coverage.
That final tip is highly crucial, as was pointed out in the prior article. Auto insurance prices in North Dakota can be adjusted at any time, so don’t be afraid to change to a new company if a better deal can be had.
Having brand loyalty is commendable, but it’s not a good idea if that faithfulness ends up costing you lots of money. Take a few minutes and compare prices and find cheaper insurance for 19 year olds.
You have many ways to comparison shop for car insurance in North Dakota, but the most frequently used are from a captive (or exclusive) agent like State Farm or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Geico or Progressive.
They all have the same basic principle, but car insurance shoppers should know the differences in how they price policies.
Independent agencies write business for many companies and can get rate quotes from all of them. These agents do not work for one specific company and can get prices from more than one company, which may provide you with improved chances of finding a lower rate. If they find a cheaper price, they simply move the coverage in-house and that require little work on your part.
An exclusive agent is ‘exlusive’ to one company such as State Farm and Auto-Owners agents. Exclusive agents cannot shop your coverage around, which does not give you the best rate comparison.
Buying direct means you skip local agents and instead shop from a direct company like Geico. This option is good for drivers who have fewer assets and understand the limitations of their policy.
Which way is best to find the cheapest auto insurance for 19 year olds in North Dakota? It would be simple to say shopping direct yields the cheapest rates since there is no need to pay agent commissions, but in reality, that is not true. It could also be said using an independent agent is the best way to go due to having more companies to select from, but that assumption is also not accurate. For the right applicant, the exclusive agents have price quotes that are the cheapest in North Dakota.
Since car insurance companies use so many rating factors, really the best method to find out which one is cheapest is to obtain price quotes and compare them. If you want to save money, get prices from all three in order to be able to find the lowest price. A great place to start is our list of online companies offering discounts: click here to view.