Cheap Car Insurance for Drivers Under 25 in North Dakota

The safety and performance level of the vehicle you are insuring is one of the largest factors that determines if you can find the most economical car insurance for drivers under 25. Vehicles with lower performance, an excellent safety record, or a track record of few liability claims will cost much less to insure than higher performance models. The next lists ranks car insurance costs for a number of the cheaper automobiles to insure.

Cost estimates assume single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in garaging location in North Dakota which can decrease or increase premium rates significantly.

Price data assumes single male 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 which can revise rates substantially.

Premium data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific North Dakota garaging location which can revise coverage rates considerably.

For North Dakota drivers, one of the considerations that control the price you pay for insurance is your address in North Dakota. Areas with more people or more claims like Beulah, Carrington, and Rugby tend to have higher auto insurance costs, whereas areas with less congestion generally have lower rates.

The following table illustrates the most expensive cities in North Dakota for drivers under 25 to purchase a policy in.

Rates are comparative as the specific garaging location can raise or lower prices significantly.

Choosing a highly-rated auto insurance company can be a challenge considering how many companies are available to choose from in North Dakota. The company rank data shown below could help you pick which providers to look at when insurance shopping for drivers under 25.

These rankings are only comprised of companies that write coverage in many states, so companies without a large exposure are not included in these rankings. To get price quotes from these top-rated insurers and more, follow this link.

Top 10 Major Car Insurance Companies in North Dakota Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top 10 Major Car Insurance Companies Overall in North Dakota

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. American Family
10. Allstate

State Farm, Geico, Progressive, and Allstate: Who is best?

When it comes to auto insurance for drivers age 25 and younger, probably the best companies to start with are State Farm, Geico, Progressive, and Allstate. All of them offer liability and physical damage protection, but each on has a slightly different mix of options and features that may influence which company you choose. The next table shows price, claims, and customer service ratings, as well as some optional coverages that are available.

How to get cheap auto insurance for drivers under 25 in North Dakota

Lowering your rates is not difficult, and here are a few thrifty suggestions that can help North Dakota drivers buy more affordable car insurance.

• Improve your credit rating
• Drive safe vehicles
• Drive attentively and avoid accidents
• Do not pay for full coverage on older vehicles
• Bundle car and home insurance and save money
• Keep rates low by shopping around frequently

The final tip is extraordinarily important, as we emphasized in the prior information. Insurance rates in North Dakota change a lot, so don’t be afraid to change to a new company if a lower-cost policy is available. Having a favorite company is great, but we do not recommend it if that dedication is costing a small fortune year after year. In less than five minutes you could compare rates to find cheaper insurance for drivers under 25.

Best cheap insurance quotes for drivers age 25 and younger

Drivers have a lot of ways to find lower-cost insurance in North Dakota, but the three most common are through an independent agent, a captive (or exclusive) agency like Allstate or State Farm, or direct from companies such as Geico or Progressive.

They all follow the same basic process, but they differ slightly in how they give price quotes.

Independent agencies are appointed by several companies and can provide price quotes from all of them. These types of agents can give you a larger rate selection, which may give you the best chance of finding a lower price. If you are not satisfied with one company, they simply switch companies in-house and you won’t have to switch agencies.

Exclusive agents are only able to write business for a single company, for example an Auto-Owners or State Farm agent. They usually cannot compare rates from other companies, so drivers will want to get other quotes as well.

Insurance from a direct company means you skip an independent or exclusive agent and buy direct online or over the phone from a company like Progressive or Esurance. Shopping for insurance direct can be good for consumers who do not have a need for a risk management assessment and have an above average understanding of what limits they need.

Which way is best for finding cheap auto insurance for drivers under 25 in North Dakota? It would be simple to say buying direct results in the best prices because there isn’t an agent involved, but unfortunately, it’s not that simple. An argument could also be made that using an independent agent can save the most money since they can quote with many companies, but that is not necessarily true either. And occasionally, exclusive agencies have coverage prices that other insurance companies cannot touch.

Since insurance rates vary so much, the only real way to ensure you are not overpaying is to get as many comparison quotes as possible. The ideal approach is to get quotes from all three to have a good selection of rates to choose from. For a list of companies with cheap rates in North Dakota, click here to view.