Cheap Auto Insurance for Homeowners in North Dakota

Cheap Auto Insurance for Homeowners in North Dakota

The make and model of vehicle requiring insurance is one of the biggest factors when looking for cheap auto insurance for homeowners in North Dakota. Vehicles with higher performance characteristics, a lack of modern safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models. The list below estimates auto insurance prices for some of the most affordable automobiles to insure.

Cheapest Auto Insurance Rates for Homeowners in North Dakota
Insured Vehicle Estimated Cost for Full Coverage
Kia Forte LX 4-Dr Sedan $714
Toyota Tacoma 4WD $724
Ford Edge SEL 2WD $739
Honda CR-V EX-L 4WD $745
Toyota RAV4 Sport 2WD $754
Subaru Outback 3.6R $768
Ford F-150 Lariat Crew Cab 4WD $777
Honda Accord LX-P 4-Dr Sedan $781
Ford Escape XLT 4WD $799
Jeep Wrangler Sport Islander Package 4WD 2-Dr $803
GMC Sierra SLE Crew Cab 4WD $806
Subaru Forester X Premium AWD $812
Chevrolet Traverse LT AWD $806
Chevrolet Silverado Crew Cab Hybrid 4WD $861
Nissan Altima 2.5 4-Dr Sedan $864
Jeep Grand Cherokee Laredo 2WD $874
Toyota Prius $870
Dodge Grand Caravan CV $873
Chevrolet Malibu LT $881
Honda Odyssey EX $906
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 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 your specific North Dakota location which can change coverage rates greatly.

Looking at the data, cars like the Kia Forte, Toyota Tacoma, Ford Edge, Honda CR-V, and Toyota RAV4 are most likely going to be some of the most affordable vehicles to insure for people who own their homes.

Establishing which company has the most affordable insurance rates for homeowners takes a little more work in order to find the best price. Every insurance company has a unique formula for setting rates, so we’ll go over the overall cheapest insurance companies in North Dakota.

Find the Cheapest Car Insurance for Homeowners

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Cheapest North Dakota auto insurance companies
Rank Company Cost Per Year
1 USAA $732
2 Allied $912
3 Nodak Mutual $956
4 Grinnell $1,039
5 Safeco $1,122
6 State Farm $1,142
7 Progressive $1,294
8 State Auto $1,339
9 Auto-Owners $1,407
10 Auto Club Group $1,488
11 Allstate $1,519
12 American Family $1,537
13 MetLife $1,573
14 EMC $1,703
15 National Farmers Union $1,806
16 GEICO $2,019
17 North Star $2,064
18 Farmers $2,202
19 Liberty Mutual $2,375
20 Dairyland $5,094
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USAA normally has some of the best car insurance rates in North Dakota at around $732 each year. Allied, Nodak Mutual, Grinnell, and Safeco also make the cut as some of the best North Dakota car insurance companies.

In this example, if you are currently insured with Grinnell and switched to USAA, you may see a yearly price reduction of in the neighborhood of $307. Insureds with Safeco may save as much as $390 a year, and State Farm customers might cut rates by $410 a year.

To see if you’re overpaying, click here to start your free quote or click through to the companies below.

Remember that these premium estimates are averages across all insureds and vehicles and are not factoring in a rate discount for homeowners. So the company that is best for you may not even be shown in the above rate chart. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

One of the more important things that helps auto insurance companies calculate insurance cost is where you choose to live. Areas that are densely populated or have higher claim frequency like Rugby, Beulah, and Bottineau tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.

The illustration below lists the most costly cities in North Dakota for homeowners to purchase auto insurance in.

How much is auto insurance in North Dakota?
Rank City Premium Per Year
1 Rugby $1,339
2 Hazen $1,336
3 Beulah $1,336
4 Belcourt $1,328
5 Bottineau $1,323
6 Grafton $1,312
7 Carrington $1,289
8 Williston $1,283
9 Devils Lake $1,265
10 Minot $1,241
11 Dickinson $1,235
12 Lincoln $1,216
13 Bismarck $1,200
14 Mandan $1,186
15 Wahpeton $1,149
16 Valley City $1,144
17 Grand Forks AFB $1,143
18 Jamestown $1,124
19 Lisbon $1,124
20 Casselton $1,109
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Rate quotes are approximated as specific location information can decrease or increase insurance rates significantly.

Get discount North Dakota auto insurance

Cheaper North Dakota insurance for people who own their homesInsurance providers that offer cheap auto insurance for homeowners in North Dakota may also offer discounts that can lower rates by 40% or more if you can meet the requirements. A list of insurance companies and the discounts they provide can be read below.

Car Insurance Discounts by Company
Discount Progressive State Farm Geico Allstate
Multiple policies Yes Yes Yes Yes
Multiple vehicles Yes Yes Yes No
Anti-theft Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes
Passive restraint No Yes Yes Yes
Daytime running lights No Yes Yes No
New car No Yes No Yes
Safe driver Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes
Low mileage Yes Yes No Yes
Active duty military Yes Yes Yes No
Professional affiliation No No Yes No
Full payment Yes No Yes Yes
Automatic payment Yes No Yes Yes
Brand loyalty Yes Yes No No
Good student Yes Yes Yes Yes
Student away from home Yes Yes No Yes
Own home Yes No No No
Use seat belts No No Yes No
Online quote Yes No No No
Teenage driver Yes No No No
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The diagram below shows the difference between premium costs with and without discounts applied to the premium. The data assumes a female driver, no claims, a clean driving record, North Dakota state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, defensive driving course, vehicle safety, accident-free, multiple vehicle, and homeowner discounts applied. When discounts are factored in, the the amount saved on insurance for homeowners is % or $.

How to find economical auto insurance for homeowners

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help drivers get lower-cost coverage.

  • Drive vehicles with five-star safety ratings
  • Try to remain claim-free
  • At-fault accidents can raise rates significantly
  • Buying your home and auto policies from the same company can earn a discount
  • Avoid speeding and other traffic citations and pay less
  • Shop around once a year for cheaper rates

The last item on the list is especially crucial, as we pointed out in the prior article. Auto insurance rates can change considerably in a year, so don’t hesitate to change to a new company if a cheaper rate is available.

Brand loyalty is great, but it isn’t a good idea if that inflexibility results in costing you potentially thousands of dollars a year. It only takes a couple minutes to shop around to find cheaper auto insurance for homeowners.