How Much Does Car Insurance Cost for High School Students in North Dakota?

One of the more important considerations that insurance companies use to calculate a rate quote is where you normally keep your vehicle in North Dakota. Areas with more people like Belcourt, Bottineau, and Grafton tend to have higher auto insurance costs, whereas areas with less congestion tend to receive slightly lower rates.

The table below sorts the highest-priced areas in North Dakota for high school students in which to buy car insurance.

Annual rates are approximated as zip code location can raise or lower prices greatly.

Cost and performance of the vehicle you are insuring is a large factor that determines whether or not you can buy low-priced car insurance for high school students. Vehicles with economical engines, good crash test ratings, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models.

The next lists showcases insurance costs for some of the most economical automobiles to buy insurance for.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific zip code location which can lower or raise insurance rates considerably.

Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in vehicle location which can alter premiums substantially.

Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can change coverage rates significantly.

How to get discounts on North Dakota car insurance

Insurers that sell cheap auto insurance for high school students in North Dakota may also give you rate discounts that may potentially lower prices by 35% or more if you qualify for them. A list of insurance companies and some of the premium reductions they offer are included below.

• GEICO offers discounts for defensive driver, federal employee, anti-lock brakes, membership and employees, and air bags.
• Travelers has savings for multi-policy, driver training, continuous insurance, multi-car, and student away at school.
• Farm Bureau policyholders can earn discounts including driver training, good student, youthful driver, multi-policy, and 55 and retired.
• Liberty Mutual includes discounts for newly retired, safety features, new move discount, good student, and teen driver discount.
• American Family may have discounts that include bundled insurance, TimeAway discount, early bird, Steer into Savings, and accident-free.
• Progressive offers discounts including multi-policy, multi-vehicle, online signing, continuous coverage, and online quote discount.

The illustration below illustrates the difference between auto insurance costs with and without some available policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, North Dakota state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, passive restraint, paperless filing, paid-in-full, good student, and continuous coverage discounts applied. When taking advantage of discounts, the average savings per year on insurance for high school students is 28% or $487.

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

If you’re looking for the best auto insurance for teenagers, four good companies to start with are Progressive, State Farm, Geico, and Allstate. All four offer physical damage and liability coverage, but each has slightly different coverages and options that policyholders can choose from. The following table compares and contrasts ratings and policy coverage options offered by each one.