Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in North Dakota?

The make and model of vehicle you are seeking coverage for is probably the largest consideration when comparison shopping for low-cost car insurance for drivers over age 50. Vehicles with lower performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models. The next table presents insurance costs for a handful of the most economical vehicles to insure in North Dakota.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can impact price quotes noticeably.

Looking at the numbers, we can infer that models like the Ford Escape, Honda CR-V, and Hyundai Elantra should be the most economical vehicles to insure for older drivers.

For older drivers, one of the more important considerations used to establish auto insurance rates is where you normally keep your vehicle in North Dakota. Areas with increased crime or more people like Hazen, Grafton, and Devils Lake are more likely to pay higher prices, whereas areas that tend to be more rural benefit from lower rates.

The illustration below shows the more expensive cities in North Dakota for drivers over age 50 to purchase auto insurance in.

Prices are approximated as the specific geographic location can modify premium rates substantially.

Finding dependable, budget car insurance is not most people’s favorite thing to do, and figuring out which companies quote the most affordable insurance rates for drivers over age 50 will involve even more diligence. Coverage rates will more than likely be moderately lower than the average price in North Dakota, with the decrease attributed to the lower likelihood of claims associated with offering coverage for older drivers. Cheap coverage should be easy to find from many insurance companies.
Each company has a unique approach to determine rates, so first we will examine the most budget-friendly insurance companies in North Dakota.

Best Cheap Insurance Rates for Age 50+

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USAA offers some of the lowest car insurance rates in North Dakota at around $732 annually. Allied, Nodak Mutual, Grinnell, and State Farm are also some of the best North Dakota insurance companies.

In the above rates, if you are a policyholder with Grinnell and switched to USAA, you may see annual savings of upwards of $307. North Dakota drivers with State Farm may save as much as $376 a year, and Safeco customers might lower prices by $424 a year.

To see if you’re overpaying, click here to start your free quote or visit several of the following companies.

Understand that those policy prices are averaged for all types of insureds and vehicles and and are not calculated with a price decrease for drivers over age 50. So the insurer that is best for you may not even be in the list above. That points out the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.

Impact of violations and accidents on rates in North Dakota

In a perfect world, the ideal way to obtain low insurance rates in North Dakota for older drivers is to pay attention while driving and not receive tickets or have accidents. The diagram below illustrates how traffic citations and accidents can drive up insurance premiums for each age group. The rates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

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The data in the chart shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,667. Get two speeding tickets and the average cost surges to $2,372, an increase of $705 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for drivers over age 50 jumps again to an average of $4,954. That’s an increase of $3,288, or $274 per month, just for not driving attentively!