Cheap Auto Insurance for 17 Year Olds in North Dakota

You have seen the captivating ads from companies like Nationwide and The General that claim big savings, so drivers just need to choose one randomly, right?

It’s just not that simple, as there are a ton of unknown aspects like whether you are male or female, if you have maintained coverage continuously, and the amount of liability insurance you need, that all go into determining the rate you pay. The information below covers some of these factors and hopefully give you enough understanding to have a good start to your coverage search.

Deciding which companies quote the most affordable insurance rates for 17 year olds may require a little more effort than just getting one or two price quotes. Each auto insurer uses a different method for filing rates in each state, so we need to take a look at the insurance companies with the most affordable rates in North Dakota.

Cheapest Insurance Rates for Teens

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USAA may offer some of the cheapest car insurance rates in North Dakota at around $725 each year. Allied, Nodak Mutual, Grinnell, and State Farm would also make the list of some of the best North Dakota insurance companies.

In the above example, if you are a policyholder with Grinnell and switched to USAA, you could see an annual savings of approxmiately $303. Policyholders with State Farm might save as much as $383 a year, and Safeco customers might reduce prices by as much as $443 a year.

To get a fast rate comparison, click here to start a quote or quote rates from the companies below.

It’s important to note that these rates are averaged for all insureds and vehicles and do not factor in a price surcharge for 17 year olds. So the company that can offer the best rates for your situation may not even be included in the rate chart shown above. That points out the importance of why you need to get rate quotes from many companies using your own individual information.

Everyone has different tastes in autos, and the style of vehicle you are insuring is one of the biggest factors that determines whether or not you find cheap car insurance for 17 year olds in North Dakota. Vehicles with lower acceleration and performance, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models.

The lists below showcases coverage prices for a selection of the cheapest vehicles to buy coverage for.

Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific location which can alter prices noticeably.

Table data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific location which can influence premium rates greatly.

Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can modify price quotes greatly.

Finding a high-quality auto insurance provider is hard considering how many different companies insure vehicles in North Dakota. The company information below could help you choose which auto insurance companies you want to consider comparing prices from. The ratings below include companies that insure vehicles nationwide, so companies without a large exposure will not be included in these rankings.

Top 10 Large Auto Insurance Companies in North Dakota Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top 10 Large Auto 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. American Family

State Farm, Geico, Allstate, and Progressive compared

When it comes to car insurance for teen drivers in North Dakota, some of the largest companies to start with are State Farm, Geico, Allstate, and Progressive. When added together, they insure over 45% of all car insurance policies written. The following table compares pricing and service ratings, plus some optional coverages .

Who has the cheapest insurance quotes for teen drivers?

There are many different ways to buy insurance in North Dakota, but the most frequently used methods are using an exclusive insurance agency such as Allstate or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic process, but it’s important to understand the differences in how they function.

Independent agents have contracts with many companies and can get policy pricing from each one. These types of agents possess the freedom to give you more rates, which can give you improved chances of finding a lower rate. If cheaper coverage is found, your policy can be easily switched to a new company and the insured can keep the same agent.

Exclusive agents are ‘exlusive’ to just one company like an Auto-Owners or State Farm agent. Exclusive agents normally do not have the ability to provide a range of price quotes, so they really need to provide good service.

The third way to buy insurance is direct which means you forego local insurance agents and buy direct from companies such as Esurance or Progressive. Shopping direct can be a good choice for drivers who do not have a need for a risk management assessment and have knowledge of the limitations of insurance.

What is the best method to buy cheap car insurance for 17 year olds in North Dakota? We would first guess that buying from a direct car insurance company yields the cheapest rates because there is no agent involved, but unfortunately, that is not always true. We could also say that an independent agent guarantees the cheapest rates due to more options, but again, that’s not a true statement. In a lot of cases, exclusive agencies have price quotes that are impossible to beat.

Due to that fact that insurance uses so many rating variables, the only true way to ensure the lowest rates is to compare, compare, and compare some more. In a perfect world, youll get prices from all three types in order to be able to find the lowest price. For a list of companies with cheap rates in North Dakota, click here to view.