Cheapest Car Insurance in North Dakota for 2022


Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Best Cities for Cheap Car Insurance in North Dakota

 

City Premium Percent Increase
Lisbon $581 0.0%
Oakes $583 0.4%
Valley City $587 1.1%
Wahpeton $589 1.3%
Langdon $589 1.4%
Casselton $591 1.7%
Carrington $593 2.0%
Rugby $595 2.4%
Jamestown $595 2.5%
Grafton $596 2.6%
Harvey $596 2.6%
Horace $596 2.7%
Bottineau $597 2.8%
Devils Lake $600 3.2%
Beulah $601 3.5%
Dunseith $602 3.6%
Belcourt $602 3.6%
Hazen $603 3.8%
Fort Yates $603 3.9%
Watford City $606 4.3%
Dickinson $611 5.2%
New Town $613 5.5%
Williston $616 6.0%
Mandan $627 7.9%
Minot Afb $627 7.9%
Minot $631 8.7%
Grand Forks $639 9.9%
Bismarck $640 10.2%
West Fargo $657 13.1%
Fargo $671 15.6%

 

Factors That Affect Car Insurance Premiums in North Dakota

Although suppurate drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing cable car policy rates can save older drivers hundreds of dollars a year.

Cheapest Car Insurance in North Dakota

5 Tips for How to Get Cheap Car Insurance in North Dakota

 

1. Compare quotes from both national and regional insurers

In North Dakota, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.
 

2. Know the factors affecting insurance in North Dakota

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose coverage that is right for you

You need
 

5. Search for discounts

Top car insurance companies in North Dakota have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability,as well as $25,000 in uninsured/underinsured motorist coverage per person, $50,000 in uninsured/underinsured motorist coverage per accident and $30,000 in personal injury protection, as required by North Dakota’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $30,000 of personal injury protection.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, and $30,000 of personal injury protection.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged North Dakota insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car indemnity companies in North Dakota is based on data from the North Dakota DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for North Dakota drivers in a collection of key categories. For each profile, WalletHub compared quotes among top North Dakota car insurance companies by averaging premiums from 30 zip code codes that represent at least 20 % of North Dakota ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may calm be the best choice overall for eligible drivers.In the mesa below, you can see all of the profile characteristics that were used in WalletHub ’ sulfur analysis, in summation to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged North Dakota indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative merely. individual rates will be different.

In North Dakota, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.Everyone knows that your driving habits and claims history affect how much you pay for car indemnity. But in North Dakota, companies can besides consider your long time, sex, credit history, marital condition, and more when setting premiums. The cable car you drive, your annual mileage, and even some factors beyond your command all impact the price of insurance.You ’ ll see higher rates if you let your indemnity lapse, even if you don ’ thymine own a cable car. North Dakota drivers who don ’ thymine maintain continuous coverage pay an average of 4 % more than those with five or more years of insurance history.You need liability indemnity to pay for the early driver ’ s damages if you ’ re at fault in an accident in North Dakota. Collision and comprehensive coverage, on the other pass, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ deoxythymidine monophosphate stint on the coverage you need, but do make inform choices. That manner, you won ’ t end up paying for more car insurance than you need.Top car insurance companies in North Dakota have a variety show of discounts, so about anyone can find ways to save. You may be able to get a deduction if you ’ re a scholar, veteran, thoroughly driver, homeowner, uncoerced to go paperless, and more .

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