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
|Rank||Company||Cost Per Year|
|12||Auto Club Group||$1,502|
|15||National Farmers Union||$1,806|
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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.
|Rank||City||Average Per Year|
|18||Grand Forks AFB||$1,143|
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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.
|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|
|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|
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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.
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.
|Handling of Claims||1st||2nd||3rd||4th|
|Accident forgiveness coverage||Yes||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+|
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