Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in North Dakota

Shopping around for low-cost insurance is confusing at best, and figuring out which companies quote the best insurance rates for drivers requiring a SR22 will take even more diligence. Premiums will most likely be much more than the average policy in North Dakota because of the additional risk associated with selling insurance for high risk drivers, but competitively-priced coverage may be possible if you find the right company. Each auto insurance company uses their own formula to set policy rates, so we need to take a look at the most competitive insurance companies in North Dakota.

Best Auto Insurance Prices for SR22 Drivers

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USAA may have some of the lowest car insurance rates in North Dakota at around $704 per year. Allied, Nodak Mutual, Grinnell, and State Farm are also some of the lowest-priced North Dakota auto insurance companies.

As shown in the rates above, if you are a customer of State Farm and switched to Allied, you might realize an annual savings of roughly $223. Drivers with Safeco may save as much as $249 a year, and State Auto insureds might realize rate reductions of up to $414 a year.

To compare your rates to other North Dakota insurance companies, click here to get a free quote or visit any of the companies below.

It’s important to note that these premiums are averages for all drivers and vehicles in North Dakota and and are not figured with a rate surcharge for drivers requiring a SR22. So the auto insurance company that fits your needs best may not even be featured in the list of companies shown earlier. That emphasizes why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

The make and model of vehicle you are trying to insure is one of the primary factors when shopping for the cheapest car insurance for drivers requiring a SR22 in North Dakota. Vehicles with limited speed and performance, modern passenger safety features, or a track record of few liability claims will cost significantly less to insure than higher performance models. The next tables shows car insurance premiums for a handful of the most budget-friendly automobiles to insure in North Dakota.

Cost estimates assume single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in your specific North Dakota location which can change premium rates considerably.

Prices based on single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in zip code location which can affect rates substantially.

Data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific North Dakota garaging location which can affect insurance rates greatly.

Types of discounts on North Dakota auto insurance

Insurance companies that offer the cheapest car insurance for drivers requiring a SR22 in North Dakota may also offer discounts that can reduce rates by as much as 40% or more if you are eligible. Large insurance companies and some of the discounts are outlined below.

• Progressive offers discounts for online signing, online quote discount, continuous coverage, good student, multi-vehicle, and homeowner.
• Farmers Insurance offers premium reductions for multi-car, homeowner, youthful driver, electronic funds transfer, and business and professional.
• Farm Bureau may include discounts for safe driver, good student, multi-policy, 55 and retired, and multi-vehicle.
• State Farm may offer discounts for anti-theft, multiple policy, accident-free, good driver, defensive driving training, and good student.
• GEICO offers discounts including multi-policy, air bags, five-year accident-free, emergency military deployment, good student, federal employee, and membership and employees.
• SAFECO discounts include anti-lock brakes, anti-theft, accident prevention training, drive less, and teen safety rewards.
• Liberty Mutual has savings for newly retired, new graduate, exclusive group savings, good student, and hybrid vehicle.

The chart below visualizes the comparison of insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, two speeding tickets and one accident, North Dakota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, paid-in-full, multiple vehicle, anti-theft, vehicle safety, and multiple policy discounts applied. When discounts are applied, the the amount saved on insurance for drivers requiring a SR22 is 28% or $785.

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Reckless driving habits raise North Dakota insurance rates

The best way to earn the cheapest car insurance for drivers requiring a SR22 in North Dakota is to be a careful driver and have a clean driving record. The chart below shows how violations and fender-benders impact annual premium costs for different age groups. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3515,4295,5081],[‘Age 30’, 1839,2617,3405],[‘Age 40’, 1765,2541,3327],[‘Age 50’, 1613,2391,3179],[‘Age 60’, 1585,2363,3151],[‘Age 70’, 1819,2597,3383]]);var options = {title: ‘Impact of Citations and Accidents on North Dakota Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,023. Get two speeding tickets and the average cost jumps to $2,801, an increase of $778 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for drivers requiring a SR22 increases to an average of $3,588. That’s an increase of $1,565, or $130 per month, just for not driving attentively!

Allstate, Progressive, Geico, or State Farm: Which is best?

When comparing car insurance for high risk drivers in North Dakota, four companies you’ll want quotes from are Allstate, Progressive, Geico, and State Farm. All four offer physical damage and liability coverage, but each has unique coverages that you can choose from. The table below shows price and claims rank as well as some different options shoppers can find with each company.

Who has the cheapest insurance quotes for high risk drivers?

You have many ways to compare insurance prices in North Dakota, but the most frequently used are from a captive (or exclusive) agent like Allstate or State Farm, an independent insurance agent, or from a direct company like Progressive.

They all follow the same basic process, but it’s important to understand the differences in how they provide price quotes.

Independent insurance agents are appointed by several companies and can quote your policy with every one. Independent agents have the freedom to give you more rates, which can give you the best chance of saving money. If you want to switch companies, your policy can be easily switched to a different company and you do not have to find a new agent.

An exclusive ageny is contracted to a single insurance company, two popular examples being Farmers Insurance or State Farm agents. They usually cannot quote rates from more than one company, so smart shoppers will want to get additional comparison quotes.

Buying direct means you bypass an agent and instead shop direct either online or via phone. This option is a good choice for families who do not need advice for risk management and know more than average about what coverages, limits, and deductibles they need.

Which method works best to buy the cheapest car insurance for drivers requiring a SR22 in North Dakota? Most people would assume that buying from a direct car insurance company yields the cheapest rates since it doesn’t require paying agent commissions, but in reality, that is not the case. We could also assume that buying insurance from an independent agent is the best way since they can provide multiple quotes, but that is not accurate either. And sometimes, exclusive agents have very competitive rates that are the cheapest.

Due to the fact that insurance rates vary so much, the one way to buy the cheapest coverage is to do a thorough rate comparison. Set aside the time to get rate quotes from independent agents, exclusive agents, and direct companies to have enough rates to compare. For a list of companies with online discounts, click here to view.