Best Cheap Car Insurance for Drivers with Accidents in North Dakota

Best Cheap Car Insurance for Drivers with Accidents in North Dakota

Finding dependable, budget car insurance is not always easy, and finding out which company offers the most affordable auto insurance rates for drivers with accidents requires additional perseverance. Insurance rates will most likely be a little bit higher than the state average, with the increase attributed to the potentially higher risk that goes along with selling insurance for drivers with at-fault accidents, but reasonably-priced insurance may be possible if you look hard enough. Each insurer uses their own calculation for setting rates, so to begin we’ll rank the most budget-friendly auto insurance companies in North Dakota.

Find the Cheapest Auto Insurance for Accident Prone Drivers

Click Here to Start Your Quote

Cheapest insurance companies in North Dakota
Rank Company Cost Per Year
1 USAA $725
2 Nodak Mutual $918
3 Allied $921
4 Grinnell $1,070
5 Safeco $1,134
6 State Farm $1,142
7 Progressive $1,281
8 State Auto $1,353
9 Auto-Owners $1,407
10 American Family $1,477
11 Allstate $1,489
12 Auto Club Group $1,502
13 MetLife $1,526
14 EMC $1,652
15 National Farmers Union $1,806
16 North Star $2,004
17 GEICO $2,019
18 Farmers $2,202
19 Liberty Mutual $2,399
20 Dairyland $5,094
Get a Custom Quote Go

USAA offers some of the best car insurance rates in North Dakota at around $725 annually. Nodak Mutual, Allied, Grinnell, and Safeco would also make the list of some of the cheaper North Dakota insurance companies.

As shown in the table above, if you buy coverage from Grinnell and switched to USAA, you may see annual savings of approxmiately $345. Policyholders with Safeco may save as much as $409 a year, and State Farm insureds might cut rates by $417 a year.

These policy prices are averaged across all drivers and vehicles and do not factor in a rate surcharge for drivers with accidents. So the auto insurance company that fits your age and vehicle best may not even be included in the list above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.

For North Dakota drivers, one of the factors that is used by car insurance companies to determine the annual cost of car insurance is where your car is garaged in North Dakota. Cities with larger populations like Hazen, Carrington, and Devils Lake likely pay more, whereas areas that tend to be more rural benefit from lower rates.

The information below sorts the more expensive cities in North Dakota for drivers with accidents to buy car insurance in.

How much does auto insurance cost in North Dakota?
Rank City Average Per Year
1 Hazen $1,349
2 Beulah $1,349
3 Carrington $1,328
4 Bottineau $1,323
5 Devils Lake $1,304
6 Rugby $1,300
7 Belcourt $1,289
8 Grafton $1,273
9 Williston $1,270
10 Bismarck $1,248
11 Minot $1,229
12 Dickinson $1,199
13 Mandan $1,198
14 Lincoln $1,180
15 Valley City $1,168
16 Jamestown $1,158
17 Wahpeton $1,149
18 Grand Forks AFB $1,143
19 Casselton $1,143
20 Lisbon $1,124
Quote Best Rates Go

Annual rates are estimated as specific location information can alter coverage rates considerably.

The vehicle you are buying coverage for is a large factor when consumers are trying to find the best cheap car insurance for drivers with accidents in North Dakota. Vehicles with high performance, poor safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The information below illustrates insurance prices for a number of the cheapest automobiles to insure.

Cheapest Auto Insurance Rates for Drivers with Accidents in North Dakota
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,551
Honda Accord EX-L 4-Dr Sedan $1,643
Chevrolet Silverado LS Regular Cab 4WD $1,703
Ford Escape XLT 4WD $1,723
Jeep Wrangler Sahara 4WD 2-Dr $1,733
Chevrolet Traverse LT 2WD $1,747
Toyota Prius $1,778
Hyundai Tucson GLS 2WD $1,821
Chevrolet Malibu LT $1,834
Dodge Grand Caravan CV $1,843
Hyundai Elantra GLS 4-Dr Sedan $1,910
Toyota Camry SE $1,920
Hyundai Santa Fe SE 4WD $1,910
Jeep Grand Cherokee SRT-8 4WD $1,928
Nissan Rogue S 2WD $1,964
Kia Optima LX $1,971
Subaru Forester XT Limited Edition AWD $1,979
Toyota Tacoma 2WD $1,988
Ford Focus S 4-Dr Sedan $1,994
Ford Fusion S 4-Dr Sedan $2,013
Compare Cheap Rates Go

Premium data assumes single female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can decrease or increase coverage rates significantly.

Looking at the rates, we can tell that models like the Honda CR-V, Honda Accord, Chevrolet Silverado, Ford Escape, and Jeep Wrangler should be the cheaper vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will be more expensive just because there is more claim risk for drivers with accidents, but overall those particular models will probably have the cheapest auto insurance rates possible.

Cheapest car insurance: Allstate, State Farm, Geico, or Progressive

When comparing car insurance for drivers with at-fault accidents in North Dakota, four of the larger companies to compare rates for are Allstate, State Farm, Geico, and Progressive. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.

Ratings for Allstate, State Farm, Geico, and Progressive
Allstate State Farm Geico Progressive
Handling of Claims 1st 2nd 3rd 4th
Client Satisfaction 2nd 4th 1st 3rd
Price Overall 4th 2nd 1st 3rd
Discounts Offered 1st 3rd 2nd 4th
Roadside service Yes Yes Yes Yes
Accident forgiveness coverage Yes No Yes Yes
Breakdown insurance No No Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
New car replacement coverage Yes No No No
Rate for vehicle usage Yes Yes No Yes
Offered in North Dakota Yes Yes Yes Yes
Types of agents used Allstate-only agents State Farm exclusive agents Can buy online or use a Geico agent Indpendent agents or online
Number of agents 11,000+ 18,000+ 150+ 30,000+
Get Quotes Go