Who Has Cheap Car Insurance for Single Moms in North Dakota?

Buying cheap auto insurance is tough enough, and determining which companies have the best insurance rates for single moms may require even more perseverance. Each auto insurer uses slightly different criteria to set premium rates, so let’s take a look at the insurance companies that tend to have lower prices in North Dakota.

Find the Cheapest Auto Insurance for Single Moms

Compare Rates and Save

USAA quotes some of the most affordable car insurance rates in North Dakota at around $704 annually. Allied, Nodak Mutual, Grinnell, and State Farm also are some of the cheaper North Dakota auto insurance companies.

As the rates illustrate above, if you currently have coverage with Grinnell and switched to USAA, you might see yearly savings of around $335. Insureds with State Farm could save as much as $416 a year, and Safeco insureds might reduce prices by as much as $464 a year.

To see if your current coverage is too expensive, click here to begin a quote or visit several of the following companies.

Understand that those policy rates are averages across all types of drivers and the different vehicles they drive and do not factor in a price decrease for single moms. So the insurer that can offer you the lowest price may not even be included in the list above. That affirms the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

Performance level and cost of the vehicle driven is a large consideration when looking for cheap auto insurance for single moms in North Dakota. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.

The information below outlines car insurance premiums for the most cost-effective vehicles to insure in North Dakota.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in vehicle location which can modify coverage prices substantially.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can change rates substantially.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in North Dakota location which can revise premium rates greatly.

One of the more important factors that is looked at to determine the price of your policy is where your residence is in North Dakota. Cities with larger populations like Beulah, Hazen, and Grafton are more likely to pay higher prices, whereas areas with less traffic congestion and claims get the luxury of paying less.

The next table lists the most expensive areas in North Dakota for single moms to purchase a policy in.

Annual rates are comparative as specific North Dakota garaging address can change auto insurance rates significantly.

Picking the top insurance provider can be a challenge considering how many companies provide coverage in North Dakota. The rank data displayed below can help you select which car insurance providers you want to consider when insurance shopping for single moms. These rankings include companies with a nationwide focus, so companies without a large exposure will not be included in these rankings.

Discounts on cheap auto insurance for single moms in North Dakota

Car insurance companies that provide policies for single moms could also offer price discounts that could reduce prices by as much as 30% if you qualify for them. The best insurance companies and the discounts they provide include:

• State Farm includes discounts for driver’s education, safe vehicle, accident-free, passive restraint, and defensive driving training.
• American Family has savings for Steer into Savings, good student, mySafetyValet, defensive driver, and TimeAway discount.
• GEICO has discounts for anti-theft, federal employee, multi-vehicle, multi-policy, anti-lock brakes, air bags, and membership and employees.
• 21st Century discounts include student driver, homeowners, automatic seat belts, theft prevention, defensive driver, and 55 and older.
• Progressive offers discounts for online signing, homeowner, online quote discount, good student, and multi-policy.

The chart below illustrates the difference between annual premium costs with and without policy discounts. Data assumes a male driver, a clean driving record, no at-fault accidents, North Dakota state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, homeowner, defensive driving course, multiple policy, claim-free, and anti-theft discounts applied. When drivers take advantage of discounts, the the amount saved on insurance for single moms is 28% or $646.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4023,2893],[‘Age 30’, 2047,1485],[‘Age 40’, 2045,1481],[‘Age 50’, 1857,1345],[‘Age 60’, 1799,1301],[‘Age 70’, 2191,1579]]);var options = {title: ‘Insurance Rate Comparison for Single Moms’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

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

When researching car insurance for single parents in North Dakota, four companies to take a look at are Progressive, Geico, Allstate, and State Farm. When combined, they have almost half of the entire U.S. car insurance market. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a slightly different set of options and discounts that can influence your buying decision. The next table compares ratings for price and service, as well as some optional coverages that you can purchase from each one.