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.
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
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.
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.
Insurance 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.
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 $.
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.
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.