Car Insurance for Good Drivers in North Dakota

The Zebra
July 15, 2019

Car insurance for good drivers in North Dakota

Some of the factors contributing to car insurance rates are out of your hands: your gender, age, and location are important rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of lower rates.

If you're looking for affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly driving mileage on the low end. Car insurance companies offer lower rates to low-risk clients, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below example rates from top companies for low-risk customers in North Dakota.

Car insurance rates for drivers with no citations in North Dakota

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Insurers view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're free of tickets, start your search for car insurance with Nodak Mutual, offering an average annual premium of $828. That comes out to $119less than the average car insurance rate for drivers without driving violations in North Dakota.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN NORTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Nodak Mutual$828
Allied$922
USAA$959
State Farm$1,128
North Star$1,207
Auto Club Group$1,423
Progressive$1,459
State Auto$1,569

Car insurance rates for drivers with high credit scores in North Dakota

Car insurance companies reward clients who maintain a solid credit history. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If you have a "good" credit score (670-739), your best auto insurance option in North Dakota could be Nodak Mutual, offering an average annual rate of $828. If your credit score is even better (in the "excellent" range), Nodak Mutual could be a good company with which to start your search. Nodak Mutual's premiums for drivers who have credit scores of 800 or better are $583 per year cheaper than average rates for drivers with excellent credit in North Dakota.

Find below a breakdown of auto insurance rates in North Dakota for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN NORTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Nodak Mutual$828
Allied$922
USAA$959
State Farm$1,128
North Star$1,207
Auto Club Group$1,423
Progressive$1,459
State Auto$1,569

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN NORTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Nodak Mutual$701
Allied$871
USAA$933
State Farm$1,002
North Star$1,148
Progressive$1,285
Auto Club Group$1,423
State Auto$1,452

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN NORTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Nodak Mutual$510
Allied$824
USAA$863
State Farm$891
North Star$1,087
Progressive$1,110
Auto Club Group$1,293
Allstate$1,322

Compare rates from top companies!

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Car insurance for occasional drivers in North Dakota

The less frequently you drive, the less likely you are to be involved in a collision or file a claim. At least that's what car insurance companies think. If you stay within the threshold of 7,500 miles per year or fewer, you could save money on car insurance. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a resident of North Dakota who drives less than 7,500 miles per year, consider Nodak Mutual, offering average annual savings of $168 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN NORTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Nodak Mutual$779
USAA$852
Allied$922
State Farm$1,015
North Star$1,207
Auto Club Group$1,350
Progressive$1,459
State Auto$1,569

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Good driver insurance rates in North Dakota — by city

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurance companies price policies by the driver’s home ZIP code, adjusting prices for the risk presented by specific locations.

Find below a breakdown of car insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Grand Forks$1,317$1,317$1,257$1,148$1,529
Fargo$1,358$1,358$1,295$1,184$1,562
Bismarck$1,521$1,521$1,453$1,328$1,838
Minot$1,533$1,533$1,460$1,333$1,849
Jamestown$1,632$1,632$1,560$1,427$2,002

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