How Much are Auto Insurance Quotes for College Students in North Dakota?

The vehicle model you are trying to insure is a large consideration when shopping for cheap car insurance for college students in North Dakota. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.

The data below features coverage rates for the most affordable vehicles to insure in North Dakota.

Data 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 specific location which can modify auto insurance rates noticeably.

Table data represents 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. Rate quotes do not factor in North Dakota location which can increase or decrease rates noticeably.

Data 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. Rate information does not factor in vehicle location which can affect rates significantly.

Determining which company offers the best car insurance rates for college students will involve a bit more effort in order to find the lowest price quote.

Every insurance company has a unique approach for determining rates, so let’s take a look at the car insurance companies with the overall best prices in North Dakota. It’s a good idea to be aware that North Dakota car insurance rates are based on many factors that control the price you pay for coverage. Getting older, having a claim, or getting into an accident may generate price changes that can make some companies more affordable than others.

Cheap Insurance Rates for College Students

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google.charts.setOnLoadCallback(drawNDT5qcibChart);function drawNDT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 711, ‘#F07050’], [‘Allied’, 894, ‘#C85D42’], [‘Nodak Mutual’, 928, ‘#A64D37’], [‘Grinnell’, 1039, ‘#8A402D’], [‘State Farm’, 1108, ‘#733525’]]);var options = {title: ‘Top Five Cheapest Car Insurance Companies in North Dakota’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1208,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA may have some of the lowest car insurance rates in North Dakota at around $711 each year. Allied, Nodak Mutual, Grinnell, and State Farm would also be considered some of the most economical North Dakota auto insurance companies.

As depicted above, if you currently buy coverage from Nodak Mutual and switched to USAA, you might achieve a yearly savings of upwards of $217. Policyholders with Grinnell may save as much as $328 a year, and State Farm customers might lower prices by $397 a year.

To find out how much you can save, click here to start your free quote or click several companies below for low rates.

Remember that these prices are averages for all insureds and vehicles and are not factoring in a price increase for college students. So the auto insurance company that can offer the best rates for your situation may not even be shown in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver and vehicle profiles.

The example below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for college students. The premiums are based on a single male driver, full coverage, and no discounts are applied.

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The data above shows that a 50-year-old driver could lower their car insurance rates by $248 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $376 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, have the ability to save $816 or more by using higher deductibles when buying full coverage. When using a larger deductible, it is important to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Irresponsible driving raises your rates

The easiest way to maintain affordable car insurance prices for students in college is to drive attentively and maintain a clean driving record. The example below demonstrates how citations and accident claims can drive up insurance premiums for different categories of driver ages. The rates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied.

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’, 1757,1959,2517],[‘Age 30’, 1229,1429,1995],[‘Age 40’, 1217,1417,1979],[‘Age 50’, 1067,1269,1831],[‘Age 60’, 1019,1221,1781],[‘Age 70’, 1093,1295,1853]]);var options = {title: ‘Effect of Tickets and Claims on North Dakota Insurance Rates’,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 auto insurance per year with a clean driving record and no accidents is $1,230. Get written up for one speeding ticket and the average cost hikes up to $1,432, an increase of $201 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for college students jumps again to an average of $1,993. That’s an increase of $762, or $64 per month, just for not maintaining a clean driving record!

Company comparison: Progressive vs Geico vs State Farm vs Allstate

If you’re looking for the best auto insurance, the most popular companies are Progressive, Geico, State Farm, and Allstate. Between them, they insure nearly half of all car insurance policies in America. The next table rates pricing and service ratings, plus some optional coverages that are available from each company.