Cheapest Car Insurance for Uninsured Drivers in North Dakota

Cheapest Car Insurance for Uninsured Drivers in North Dakota

We all have different tastes in cars, and the vehicle needing coverage is one of the largest factors that determines the availablility of the cheapest auto insurance for uninsured drivers in North Dakota. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost significantly less to insure than high performance models.

The lists below showcases car insurance costs for the cheapest vehicles to insure in North Dakota.

Car Insurance Rates for Popular Cars in North Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $918 $459 $77
Ford Focus SE 4-Dr Sedan $894 $447 $75
Ford Fusion SEL 4-Dr Sedan $998 $499 $83
Honda Accord LX 4-Dr Sedan $780 $390 $65
Hyundai Elantra Blue 4-Dr Sedan $950 $475 $79
Nissan Altima 2.5 4-Dr Sedan $918 $459 $77
Toyota Camry XLE $974 $487 $81
Toyota Corolla S $974 $487 $81
Volkswagen Jetta SE 2.5 Station Wagon $940 $470 $78
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can revise premiums greatly.

Insurance Rates for Popular SUVs and Crossovers in North Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LS 2WD $804 $402 $67
Ford Escape XLS 2WD $780 $390 $65
Ford Expedition Limited 2WD $940 $470 $78
Ford Explorer XLT 2WD $862 $431 $72
GMC Acadia SL 2WD $838 $419 $70
Honda CR-V LX 2WD $780 $390 $65
Honda Pilot EX 2WD $886 $443 $74
Jeep Grand Cherokee Limited 4WD $998 $499 $83
Jeep Patriot Limited 2WD $918 $459 $77
Kia Sportage LX 4WD 4-Dr $918 $459 $77
Nissan Pathfinder SE 4WD $862 $431 $72
Subaru Forester X Limited Edition AWD $910 $455 $76
Toyota Highlander Limited 2WD $1,024 $512 $85
Toyota RAV4 Limited 4WD $918 $459 $77
Volvo XC90 3.2 R-Design 2WD $998 $499 $83
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in specific zip code location which can increase or decrease insurance rates significantly.

Car Insurance Rates for Popular Pickup Trucks in North Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,048 $524 $87
Chevrolet Silverado LS Extended Cab 4WD $918 $459 $77
Dodge Ram 2500 Mega Cab SLT 2WD $1,110 $555 $93
Dodge Ram Quad Cab ST 2WD $916 $458 $76
Ford F-150 FX4 Super Cab 4WD $942 $471 $79
GMC Canyon SLE Regular Cab 4WD $862 $431 $72
GMC Sierra 2500HD SLT Extended Cab 4WD $1,056 $528 $88
GMC Sierra 3500HD SLE Regular Cab 2WD $1,024 $512 $85
GMC Sierra SLE Crew Cab 4WD $998 $499 $83
Toyota Tundra Limited Double Cab 2WD $1,052 $526 $88
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in your specific North Dakota location which can increase or decrease coverage rates substantially.

For drivers with no prior coverage, one of the largest components that aid in calculating the amount you pay each year for auto insurance is where you keep your car in North Dakota. Cities with larger populations like Hazen, Grafton, and Rugby will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates generally pay lower insurance rates.

The following table sorts the highest-priced areas in North Dakota for uninsured drivers to purchase auto insurance in.

Car insurance prices in North Dakota
Rank City Premium Per Year
1 Hazen $1,349
2 Beulah $1,310
3 Grafton $1,299
4 Carrington $1,289
5 Rugby $1,287
6 Bottineau $1,284
7 Williston $1,283
8 Belcourt $1,276
9 Devils Lake $1,252
10 Bismarck $1,236
11 Dickinson $1,235
12 Mandan $1,234
13 Minot $1,229
14 Lincoln $1,216
15 Grand Forks AFB $1,155
16 Valley City $1,144
17 Casselton $1,143
18 Wahpeton $1,127
19 Jamestown $1,124
20 Lisbon $1,124
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Table data uses comparative as the specific zip code location can lower or raise premiums noticeably.

Finding budget insurance is confusing at best, and finding out which companies quote the most affordable car insurance rates for uninsured drivers requires even more shopping around.

Each company uses slightly different criteria for determining prices, so let’s rank the most budget-friendly car insurance companies in North Dakota. It’s a good idea to know that North Dakota car insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Simply improving your credit, buying a different vehicle, or getting a couple of tickets can trigger rate changes that can make some companies higher when they were quite affordable.

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Cheapest insurance companies in North Dakota
Rank Company Cost Per Year
1 USAA $725
2 Allied $921
3 Nodak Mutual $956
4 Grinnell $1,059
5 State Farm $1,120
6 Safeco $1,122
7 State Auto $1,299
8 Progressive $1,333
9 Auto-Owners $1,422
10 American Family $1,492
11 Auto Club Group $1,502
12 Allstate $1,519
13 MetLife $1,541
14 EMC $1,720
15 National Farmers Union $1,789
16 GEICO $2,019
17 North Star $2,064
18 Farmers $2,116
19 Liberty Mutual $2,399
20 Dairyland $5,248
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USAA normally has some of the lowest car insurance rates in North Dakota at around $725 per year. Allied, Nodak Mutual, Grinnell, and State Farm also make the cut as some of the more affordable North Dakota auto insurance companies.

As depicted above, if you currently have coverage with Grinnell and switched to Allied, you might achieve an annual savings of around $138. Drivers with State Farm might save as much as $199 a year, and Safeco customers might see rate reductions of $201 a year.

Bear in mind that those rates are averages across all ages of drivers and types of vehicles and and are not calculated with a rate decrease for uninsured drivers. So the auto insurance company that is best for you may not even be in the rate chart shown above. That emphasizes why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

How to find a good North Dakota car insurance company

Choosing the right auto insurance provider is difficult considering how many companies are available to choose from in North Dakota. The company ratings in the next section may help you select which car insurance providers to look at shopping your coverage with. The ratings below are for large, nationwide insurance companies, so companies that may only write in North Dakota are not factored into the list.

North Dakota Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
State Farm 91 94 80 88% A++ 90.2
Safeco Insurance 90 93 88 86% A 90.2
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Cheapest insurance quotes for drivers with no prior coverage

Consumers have many ways to purchase car insurance in North Dakota, but the most common ways are through an independent agent, an exclusive insurance agency such as Liberty Mutual or State Farm, or direct either online or via phone. Each way is similar, but buyers need to know the differences in how they provide price quotes.

Independent agencies write business for many companies and can quote your policy with all of them. Agents of this type can quote with many companies and give you more rates, which can give you better odds of saving money. If your premiums go up, your policy can be moved which requires no work on your part.

An agent who is captive is limited to just one company such as State Farm and Auto-Owners agents. They generally cannot quote prices from more than a single company, so smart shoppers will want to get additional comparison quotes.

The third way to buy car insurance is direct which means you bypass the middleman (the agent) and instead buy buying direct from a company like Geico or Progressive. Shopping direct may be good for families who have fewer assets and have knowledge of what specific coverages they need.

So out of those three methods, which one works best for finding the cheapest auto insurance for uninsured drivers in North Dakota? We’d like to tell you buying direct yields the cheapest rates since it doesn’t require paying agent commissions, but in reality, that is not the case. An argument could also be made that an independent agency results in the cheapest rates since they have access to many companies, but that is not necessarily true either. In some circumstances, exclusive agencies have very competitive rates well below independent agents AND direct companies.

Because there is so much variation in car insurance prices, really the best method to get the cheapest rates is to compare lots of quotes. Make the effort to get rate quotes from all three to get a good idea who is cheapest. For a list of car insurance companies with low rates, click here to view.

Find the cheapest auto insurance for uninsured drivers in North Dakota

Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help North Dakota drivers find lower-cost auto insurance.

  • Buy a vehicle with excellent safety ratings
  • Bundle home or renters insurance to earn a discount on car insurance
  • Avoid getting citations and tickets
  • Do not file small claims
  • Having at-fault accidents will increase rates
  • Shop your coverage around for the best deal

That last piece of advice is extremely vital, as was noted in the prior article. Insurance rates vary considerably, so drivers shouldn’t be resistant to switch companies if a better deal can be had.

We understand brand loyalty, but is isn’t recommended if that inflexibility results in costing you a lot of money every month. In less than five minutes you could compare prices to find cheaper auto insurance for uninsured drivers.