Who Has the Cheapest Car Insurance for Drivers with a Bad Driving Record in North Dakota?

Who Has the Cheapest Car Insurance for Drivers with a Bad Driving Record in North Dakota?

The type of vehicle requiring coverage is a large consideration when comparison shopping for the cheapest car insurance for drivers with a bad driving record in North Dakota. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The data below illustrates insurance prices for a number of the most economical vehicles to insure.

Cheapest Auto Insurance Rates for Drivers with a Bad Driving Record in North Dakota
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $2,475
Honda CR-V EX-L 2WD $2,519
Ford Escape Limited 2WD $2,529
Chevrolet Traverse LT 2WD $2,544
Subaru Forester X Limited Edition AWD $2,622
Hyundai Tucson GLS 4WD $2,673
Toyota Prius $2,714
Ford F-150 STX Super Cab 2WD $2,751
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,758
Chevrolet Impala LT $2,819
Chevrolet Equinox LS 2WD $2,827
Toyota Tacoma Double Cab 4WD $2,852
Dodge Grand Caravan SXT $2,857
Ford Explorer Limited AWD $2,852
GMC Sierra SLE Regular Cab 2WD $2,937
Toyota RAV4 Limited 4WD $2,945
Toyota Corolla S $2,968
Hyundai Elantra SE 4-Dr Sedan $2,977
Ford Edge Limited AWD $2,968
Kia Forte SX 4-Dr Sedan $2,972
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Premium data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Estimates do not factor in vehicle location which can change premiums noticeably.

Based upon these rates, you can see that cars like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the most economical vehicles to insure for bad drivers. Prices will tend to be higher just due to the fact that there is more risk for drivers with a bad driving record, but in general those models will tend to have the cheapest car insurance rates that you are likely to find.

One of the many considerations that establish the price you pay for insurance is your zip code in North Dakota. Areas that are more densely populated like Hazen, Belcourt, and Grafton tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates generally pay less for insurance.

The following table sorts the most expensive areas in North Dakota for drivers with a bad driving record in which to buy car insurance.

North Dakota cities ranked by car insurance cost
Rank City Premium Per Year
1 Hazen $1,336
2 Carrington $1,328
3 Belcourt $1,328
4 Rugby $1,326
5 Grafton $1,299
6 Beulah $1,297
7 Bottineau $1,284
8 Williston $1,270
9 Devils Lake $1,252
10 Bismarck $1,248
11 Minot $1,241
12 Dickinson $1,235
13 Mandan $1,222
14 Lincoln $1,180
15 Jamestown $1,158
16 Casselton $1,155
17 Wahpeton $1,149
18 Valley City $1,144
19 Grand Forks AFB $1,143
20 Lisbon $1,124
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Price information shown is estimated as specific North Dakota zip code can lower or raise insurance rates significantly.

Comparing quotes for low-cost insurance is not easy, and deciding which companies offer the best auto insurance rates for drivers with a bad driving record will require even more rate comparisons. Policy rates will be much more expensive than the state average, with the higher price attributed to the added risk associated with selling coverage for bad drivers, but affordable insurance may be available if you shop around.

Each auto insurer has a different formula to set their prices, so to begin we’ll rank the overall cheapest auto insurance companies in North Dakota. We do need to point out that North Dakota auto insurance rates are calculated based on many things that can increase the price you have to pay for coverage. That is why it is critical to shop around when trying to get affordable auto insurance rates for drivers with a bad driving record. Car insurance prices can be determined by many factors and can increase or decrease at any time, so the most affordable company when you bought your policy may now be an over-priced policy.

Lowest Insurance Price Quotes for Imperfect Drivers

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Cheapest North Dakota car insurance ranked by price
Rank Company Cost Per Year
1 USAA $711
2 Allied $894
3 Nodak Mutual $956
4 Grinnell $1,070
5 State Farm $1,108
6 Safeco $1,156
7 Progressive $1,294
8 State Auto $1,299
9 Auto Club Group $1,444
10 Auto-Owners $1,465
11 American Family $1,522
12 MetLife $1,526
13 Allstate $1,534
14 EMC $1,652
15 National Farmers Union $1,753
16 North Star $2,064
17 GEICO $2,080
18 Farmers $2,116
19 Liberty Mutual $2,375
20 Dairyland $5,196
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USAA quotes some of the cheapest car insurance rates in North Dakota at around $711 annually. Allied, Nodak Mutual, Grinnell, and State Farm also are some of the cheapest North Dakota car insurance companies.

In this example, if you are a policyholder with Grinnell and switched to Allied, you could realize savings of about $176. Policyholders with State Farm could save as much as $214 a year, and Safeco policyholders might reduce prices by as much as $262 a year.

These prices are averages for all ages of drivers and types of vehicles and do not factor in a price surcharge for drivers with a bad driving record. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Discounts on North Dakota insurance

Save on auto insurance for bad drivers in North DakotaCar insurance companies that offer the cheapest car insurance for drivers with a bad driving record in North Dakota may also provide price discounts that could lower prices by 30% or more if you meet the requirements. The best auto insurance companies and some of the premium reductions they offer are:

Auto Insurance Discounts for Popular Insurance Companies
Discount Progressive Allstate Geico State Farm Liberty Mutual
Bundled policies Yes Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes Yes
Air bags No Yes Yes Yes Yes
Running lights No No Yes Yes No
New vehicle No Yes No Yes No
Hybrid vehicle No Yes No No Yes
No accidents Yes Yes Yes Yes No
Defensive driver training Yes Yes Yes Yes No
Active duty military Yes No Yes Yes No
Professional affiliation No No Yes No Yes
Paid in full Yes Yes Yes No Yes
Email statements Yes Yes Yes No Yes
Customer loyalty Yes No No Yes No
Good student Yes Yes Yes Yes Yes
Student at college Yes Yes No Yes Yes
Homeowner Yes No No No No
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The example below illustrates the difference between annual premium costs with and without discounts applied to the policy rates. Data assumes a male driver, one speeding ticket and one accident, North Dakota state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, vehicle safety, multiple vehicle, paperless filing, multiple policy, and continuous coverage discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for drivers with a bad driving record is % or $.

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Ending up with a good quality auto insurance company can be a challenge considering how many choices there are in North Dakota. The rank data shown next may help you pick which auto insurers to look at when trying to find the cheapest insurance for drivers with a bad driving record.

These ratings are for insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in North Dakota are not included in these rankings. To get price quotes from these top insurers and more, click here.

Top 15 Auto Insurance Companies in North Dakota
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