Who Has the Cheapest Auto Insurance Quotes for Veterans in North Dakota?

Trying to buy cost effective insurance is difficult, and figuring out which insurers offer the most affordable car insurance rates for veterans will involve even more rate comparisons. Every insurance provider uses different criteria for determining prices, so we need to take a look at the car insurance companies with the overall best prices in North Dakota.

Keep in mind that North Dakota car insurance rates are based on many factors which can significantly increase or decrease the price of coverage. This price fluctuation is why drivers need to compare lots of rates when trying to find affordable auto insurance rates for veterans. Prices are calculated by many different factors and change frequently, so the cheapest rate three years ago may now be costing you a lot of money.

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USAA offers some of the most affordable car insurance rates in North Dakota at around $725 annually. Allied, Nodak Mutual, Grinnell, and State Farm also rank well as some of the lowest-priced North Dakota auto insurance companies.

In the above rates, if you currently have a policy with Allied and switched to USAA, you could see yearly savings of in the neighborhood of $169. North Dakota drivers with Nodak Mutual might save as much as $221 a year, and Grinnell policyholders might see rate reductions of $303 a year.

To find the cheapest car insurance for veterans in North Dakota, click here to get a free quote or click through to the companies below.

It’s important to note that these premium estimates are averages for all drivers and vehicles and do not factor in a rate discount for veterans. So the auto insurance company that is best for you may not even be shown in the rate chart shown above. That is why you need to get rate quotes from many companies using your own individual information.

We all like different vehicles, and the type of vehicle that needs insurance is a significant factor that determines the availablility of the cheapest car insurance for veterans in North Dakota. Vehicles with limited top-end speed, good safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models.

The next lists ranks insurance costs for some of the cheaper automobiles to buy insurance for.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can impact insurance rates substantially.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in North Dakota location which can change prices considerably.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in North Dakota location which can decrease or increase price quotes significantly.

Comparison of full coverage and liability-only policies

Finding the cheapest car insurance for veterans in North Dakota is the goal of the majority of vehicle owners, and one way to find cheap insurance is to only buy liability insurance. The example below compares auto insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

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Averaged for all age groups, comp and collision coverage costs $2,165 per year more than carrying just liability coverage. Many drivers will wonder when is the right time to remove full coverage. There isn’t a written rule of when to stop paying for physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the policy deductible has been paid. If you are paying more than $700 a year for physical damage coverage, then it could be time to drop full coverage.

Finding a highly-rated auto insurance provider is difficult considering how many companies there are to choose from in North Dakota. The ranking data shown below may help you pick which coverage providers you want to consider when insurance shopping for veterans. The rankings below include companies with a national presence, so companies that have a smaller presence will not be included in these rankings.

Top 10 Major Car Insurance Companies in North Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. The General

Top 10 Major Car Insurance Companies Overall in North Dakota

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. State Farm
8. Safeco Insurance
9. American Family
10. Allstate

Which car insurance company is best?

When comparing rates for auto insurance for veterans in North Dakota, the companies that insure more vehicles than anyone else are Allstate, State Farm, Geico, and Progressive. All of them have slightly different options that may influence your buying decision. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages offered by each company.