How Much are Insurance Quotes for Drivers with Good Credit in North Dakota?

When shopping for the cheapest insurance for financially responsible drivers, one of the many considerations that is looked at to help calculate the policy price is where your car is garaged. Urban areas that are densely populated like Beulah, Bottineau, and Devils Lake are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims receive better rates.

The illustration below rates the priciest cities in North Dakota for drivers with good credit to buy auto insurance in.

Table data uses approximated as the specific North Dakota residence address can revise coverage prices substantially.

The vehicle driven is probably the biggest factor that determines the availablility of cheap insurance for drivers with good credit in North Dakota. Vehicles with lots of horsepower, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models. The next lists outlines coverage prices for a handful of the most affordable automobiles to buy coverage for.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific zip code location which can lower or raise premiums significantly.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in vehicle location which can increase or decrease rates significantly.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes considerably.

Figuring out which company quotes the best insurance rates for drivers with good credit will take a little more effort in order to find a policy that fits your budget.

Every auto insurer uses their own formula for establishing rates, so let’s examine the insurance companies that tend to have lower prices in North Dakota.

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USAA normally has some of the lowest car insurance rates in North Dakota at around $704 a year. Allied, Nodak Mutual, Grinnell, and State Farm are also some of the cheaper North Dakota insurance companies.

As the rates illustrate above, if you are a customer of Grinnell and switched to USAA, you might realize yearly savings of in the vicinity of $335. North Dakota drivers with State Farm might save as much as $416 a year, and Safeco customers might reduce rates by $464 a year.

To find out how your current rates compare, click here to start your custom quote or visit several of the following companies.

Remember that these rates are averaged across all drivers and vehicles in North Dakota and and are not figured with a rate decrease for drivers with good credit. So the company that has the cheapest price for you may not even be featured in the above list. That helps illustrate why you need to compare as many prices as possible using your own driver and vehicle profiles.

Impact of careless driving on insurance rates

The easiest method to get good insurance premiums for financially responsible drivers is to drive carefully and avoid getting tickets or having accidents. The illustration below demonstrates how citations and at-fault collisions can drive up insurance costs for different ages of insureds. Data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

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In the previous example, the average cost of a car insurance policy in North Dakota per year with a clean driving record and no accidents is $1,275. Receive two speeding tickets and the average cost increases to $1,677, an increase of $402 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for drivers with good credit goes up to an average of $2,083. That’s an increase of $808, or $67 per month, just for not driving safely!

Which auto insurance company is best?

When shopping for car insurance for financially responsible drivers, four companies to definitely compare rates with are Progressive, Geico, State Farm, and Allstate. They all offer different features and discounts that may affect your buying decision. The following table compares and contrasts pricing and service ratings, as well as optional policy coverages that are available for policyholders.

How to find low-cost auto insurance for drivers with good credit

Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help drivers get the cheapest coverage.

• Avoid price increases by not filing claims
• Avoid accidents and claims
• Just one traffic violation will increase your rates
• Buying car and homeowners insurance together can save money
• Vehicles with good safety ratings are usually cheaper to insure
• Shop around for cheaper prices often

The last idea is particularly important, as we discussed in the article above. Car insurance rates can change considerably based on profitability, so drivers shouldn’t be reluctant to change to a new company if a better deal can be had. Staying with the same car insurance company is fine, but it’s not recommended if that devotedness results in you overpaying hundreds of dollars a year. Take a few minutes and compare prices and find cheaper car insurance for drivers with good credit.