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North Dakota Car Insurance for Bad Credit Drivers
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in North Dakota (2022)
For drivers with bad credit in North Dakota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in North Dakota. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in North Dakota.
| Carrier | Avg. Monthly Cost |
|---|---|
| Nationwide | $118 |
| The General | $121 |
| American Family Insurance | $124 |
| Safeco Insurance | $153 |
Bad Credit Car Insurance in North Dakota
Driving through the plains of this Midwestern state, you'll definitely feel like you're in roughrider country. But if bad credit followed you here, you'll have a hard time shrugging it off when it comes to purchasing an auto insurance policy.
While it's legal in this state for companies to check your credit before writing an insurance policy, not every bit of your personal information is used. You should feel safe knowing they comb through only your credit behavior for relevant data.
North Dakota Car Insurance Rates for Bad Credit Drivers
Excellent$155
Good$173
Average$174
Poor$189
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in North Dakota?
If you have a troubled credit history in North Dakota, you may pay over 22 percent more than average for car insurance. Remember, your credit score doesn't reflect how much money you have but how well you are handling credit.
At $32 more a month, drivers with bad credit will want to take control of their credit score to rein in rates. By paying your bills on time and reducing your outstanding debt, you can increase your score with practice and perseverance.
Avg. Monthly Cost - for Drivers with Good Credit$144
Avg. Monthly Cost - for Drivers with Bad Credit$176
$32 ▴
22.22% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
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Can I Get Car Insurance With No Credit Check in North Dakota?
It's perfectly legitimate in North Dakota for car insurance companies to pull your credit report to inform the rates they set for you. The only states with laws in place to protect drivers from this practice are California, Hawaii, and Massachusetts.
If you have bad credit, you'll find that your rates are impacted quite a bit. This is because on the whole, people with bad credit cost car insurance companies more in claims than people with better credit.
North Dakota Car Insurance Rates by Credit Tier
To get the best rates, Peace Garden State drivers will want to eventually bring their scores to excellent. Good and average scores improve rates as well, though there's not much difference between them in terms of average monthly cost.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $155 |
| Good | $173 |
| Average | $174 |
| Poor | $189 |
Car Insurance Rates With Bad Credit in North Dakota Cities
Tips for Researching Bad Credit North Dakota Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like North Dakota draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - North Dakota Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county North Dakota. Insurify analyzed the latest data for the five most populous cities in North Dakota to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in North Dakota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
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