Cheap Auto Insurance for First-time Drivers in North Dakota

The vehicle you are buying coverage for is a large consideration when comparison shopping for cheap car insurance for first-time drivers in North Dakota. Vehicles with limited speed and performance, good crash test ratings, or a track record of few liability claims will cost much less to insure than high performance models. The next table estimates auto insurance prices for a number of the cheaper vehicles to insure.

Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can modify price quotes noticeably.

Based upon the table data, we can infer that makes and models like the Ford Escape, Honda Accord, and Chevrolet Traverse are going to be some of the less-costly vehicles to insure for new drivers. The cost of auto insurance will be more expensive because of the fact that there is more liability risk for first-time drivers, but in general those particular models will tend to have the least expensive rates available.

Comparing rates for budget auto insurance is not easy, and figuring out which company quotes the lowest-priced auto insurance rates for first-time drivers involves a little more work. Rates should be quite a bit more expensive than the average price in North Dakota, with the extra cost attributed to the higher likelihood of claims associated with selling coverage for new drivers, but reasonably-priced coverage should be available if you compare enough companies.

Each auto insurance company has their own process for determining rates, so we’ll take a look at the auto insurance companies with the most affordable rates in North Dakota. We do need to point out that North Dakota auto insurance rates are determined by lots of factors that will increase or decrease the price of coverage. That is why consumers need to take the time to shop around when trying to get the cheapest car insurance rates for first-time drivers. Insurance rates can be determined by many things and can change substantially, so the most economical company a year ago may now be an over-priced policy.

Best Car Insurance Prices for Inexperienced Drivers

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USAA quotes some of the lowest car insurance rates in North Dakota at around $732 each year. Allied, Nodak Mutual, Grinnell, and State Farm also make the cut as some of the more affordable North Dakota car insurance companies.

As shown above, if you have coverage with Grinnell and switched to USAA, you could realize an annual premium reduction of in the vicinity of $296. Insureds with State Farm might save as much as $388 a year, and Safeco insureds might realize rate reductions of up to $424 a year.

If you want to see how much you could save, click here to start your free quote or quote rates from the companies below.

Bear in mind that those estimates are averages across all drivers and vehicles and do not factor in a price increase for first-time drivers. So the auto insurance company that can offer you the best price may not even be shown in the company chart above. That underscores the importance of why you need to get rate quotes using your own individual information.

Ending up with the top insurance provider is hard considering how many companies are available to choose from in North Dakota. The ranking information in the lists below can help you select which providers you want to consider when trying to find the cheapest insurance for first-time drivers.

These rankings only include large nationwide companies, so companies without a large exposure are not included in these rankings. To get rate quotes from these and other companies in North Dakota, follow this link.

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. American Family

Top 10 Major Car 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

Allstate, Progressive, Geico, or State Farm: Who is cheapest?

If you want the best auto insurance for new drivers, the companies with the most market share are Allstate, Progressive, Geico, and State Farm. When combined, they make up nearly half of all vehicles in the U.S.. They all have a slightly different set of options and discounts that buyers can choose from. The following table compares pricing and service ratings, plus some optional coverages you can expect with each one.

How to find budget-friendly auto insurance for first-time drivers

Lowering your rates is not difficult, and here are many penny-pinching solutions that can help North Dakota drivers locate cheaper coverage.

• Good credit scores may make rates cheaper
• Avoid getting tickets or violations
• Buy a vehicle with excellent safety ratings
• Accident-free drivers may qualify for discounts
• Increase your policy deductibles
• Shop around for cheaper prices often

The final tip is extremely necessary, as we hit on in this article. Coverage rates can be modified anytime, so don’t be tentative to switch companies if you find a cheaper price.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you a lot of money. It takes less than five minutes to compare rates and find cheaper auto insurance for first-time drivers.