Cheap Auto Insurance Quotes for Low Mileage Drivers in North Dakota

When shopping for the cheapest car insurance for infrequent drivers, one of the many criteria that help determine the policy price is where you choose to live in North Dakota. Areas that are more densely populated like Rugby, Carrington, and Williston are more likely to have higher rates, whereas more rural areas benefit from having to pay less for coverage.

The information below shows the highest-priced areas in North Dakota for low mileage drivers in which to buy car insurance.

Annual rates are approximated as the specific garaging location can alter insurance rates considerably.

Deciphering which companies have the best car insurance rates for low mileage drivers may require a little more effort than just comparing a company or two. Each auto insurance company uses their own formula for determining rates in each state, so let’s rank the car insurance companies with the most affordable rates in North Dakota.

It’s a good idea to know that North Dakota car insurance rates are impacted by many things that control the cost of your policy. Simply having a birthday, increasing liability limits, or getting caught speeding may generate price changes that can cause some rates to be much cheaper than others.

Best Car Insurance Prices in North Dakota

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USAA may have some of the lowest car insurance rates in North Dakota at around $732 a year. Allied, Nodak Mutual, Grinnell, and State Farm would also make the list of some of the best North Dakota auto insurance companies.

In the above rates, if you are a customer of Grinnell and switched to USAA, you may realize a yearly price reduction of around $327. Insureds with State Farm may save as much as $388 a year, and Safeco policyholders might lower prices by $424 a year.

To see if your current coverage is too expensive, click here to start a quote or quote rates from the companies below.

These estimates are averages across all drivers and vehicles and and are not calculated with a rate decrease for low mileage drivers. So the auto insurance company that can offer you the best price may not even be included in the list above. That’s why you need to quote rates from many companies using your own driver data and vehicle information.

The make and model of vehicle that needs insurance is probably the largest consideration when shopping around for the most affordable auto insurance for low mileage drivers. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models.

The table below showcases insurance premiums for a number of the more afforable vehicles to insure in North Dakota.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in your specific North Dakota location which can decrease or increase premium rates greatly.

Based upon these rates, you can infer that cars like the Ford Escape, Chevrolet Traverse, and Subaru Outback will be a few of the most budget-friendly vehicles to insure for infrequent drivers.

The chart below shows how different deductible levels can increase or decrease insurance costs when getting quotes for cheap insurance for low mileage drivers. The data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.

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In the chart above, a 30-year-old driver could save $326 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $488 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates as much as $690 or more just by choosing higher deductibles. If you do decide to increase your deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Choosing a good quality auto insurance provider can be a challenge considering how many different insurance companies sell coverage in North Dakota. The information in the lists below can help you analyze which auto insurers to look at shopping prices with. These ratings are only made up of companies with a nationwide focus, so companies that may only write in North Dakota are not included in this list.

Top 10 Major Auto Insurance Companies in North Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. Nationwide – 88%
4. American Family – 88%
5. State Farm – 88%
6. Farmers Insurance – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Major Auto 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

Is Progressive, Geico, Allstate, or State Farm cheaper?

When comparing rates for car insurance, the companies that insure more vehicles than anyone else are Progressive, Geico, Allstate, and State Farm. All of them have different features and discounts that may steer you one way or another. The table below compares some of the different features that policyholders can buy.