Who Has the Cheapest Car Insurance Quotes for Welfare Recipients in North Dakota?

For drivers on welfare, one of the more important criteria that car insurance companies use when figuring the amount you pay each year for auto insurance is your zip code in North Dakota. More populated areas like Beulah, Hazen, and Belcourt tend to have more expensive auto insurance rates, whereas more rural areas have the benefit of cheaper auto insurance prices.

The following table shows the most expensive areas in North Dakota for welfare recipients to buy an auto insurance policy in.

Annual rates are comparative as vehicle location can lower or raise rates noticeably.

The type of vehicle that needs insurance is probably the biggest factor when comparing quotes for the best cheap coverage for welfare recipients. Vehicles with higher performance, poor safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models.

The next list ranks insurance costs for some of the most budget-friendly automobiles to insure.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in vehicle garaging location which can alter coverage prices greatly.

Looking at the data, we can assume that vehicles like the Honda CR-V, Ford Escape, Toyota RAV4, and Toyota Sienna are most likely to be some of the most budget-friendly vehicles to insure for drivers on welfare.

Locating low-priced car insurance is hard enough, and deciding which company quotes the lowest-priced insurance rates for welfare recipients will require additional perseverance.

Each insurer uses their own calculation to set premium rates, so let’s begin by examining the insurance companies with the most affordable rates in North Dakota.

Lowest Insurance Price Quotes in North Dakota

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USAA may have some of the cheapest car insurance rates in North Dakota at around $725 annually. Nodak Mutual, Allied, Grinnell, and State Farm would also make the list of some of the cheapest North Dakota insurance companies.

In this example, if you are currently insured with Grinnell and switched to USAA, you might realize an annual premium reduction of around $314. Customers with State Farm might save as much as $383 a year, and Safeco insureds might reduce prices by as much as $431 a year.

If you would like to find the cheapest car insurance for welfare recipients in North Dakota, click here to begin a quote or quote prices from the following companies.

Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a rate discount for welfare recipients. So the auto insurance company that can offer you the lowest price may not even be included in the list of companies shown earlier. That helps illustrate why you need to get car insurance quotes using your own specific driver and vehicle information.

Does it make sense to buy full coverage?

Finding the cheapest car insurance for welfare recipients in North Dakota should be important to most vehicle owners, and a great way to reduce the cost of insurance is to not buy comprehensive and collision coverage. The diagram below compares car insurance rates with and without physical damage coverage. The data is based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are factored in.

Averaged for all age groups, physical damage insurance costs an extra $1,380 per year over and above liability coverage. Many drivers will wonder if you should buy full coverage at all. There is no definitive rule that works best for making the decision to drop physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

Illustration showing the impact of accidents and violations

The best way to maintain the cheapest car insurance for welfare recipients in North Dakota is to be a good driver and not have accidents or get tickets. The diagram below demonstrates how traffic citations and at-fault claims raise auto insurance costs for each different age category. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $1,938. Receive two speeding tickets and the average cost swells to $2,561, an increase of $623 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for welfare recipients goes up to an average of $4,980. That’s an increase of $3,042, or $254 per month, just for not driving responsibly!

Geico, State Farm, Allstate, or Progressive: Which is best?

If you are looking for the best auto insurance for drivers on welfare in North Dakota, the top insurers to get price quotes from are Geico, State Farm, Allstate, and Progressive. Between them, they make up about 50% of the entire U.S. car insurance market. The data below ranks ratings for price and service, as well as some optional coverages that are available.