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Cheapest Insurance Companies for High Risk Drivers in North Dakota (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in North Dakota.

CarrierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
The General$149
Safeco Insurance$200

What Makes a Driver High-Risk in North Dakota?

Insurance companies say high-risk drivers are people who are more likely to file claims than average drivers. You can end up on the list because of no fault of your own, or your actions could place you in the group. For what specifically?

If you're a first-time driver, teenage driver, or driver age 65 or older, you're in the club—likewise for those with poor credit or no credit. You also find yourself there for the following missteps: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Many things can make you high-risk, but you can still find a nice deal in North Dakota.

North Dakota Car Insurance Rates for High-Risk Drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in North Dakota?

On career day, no kid says, "I want to be a high-risk driver when I grow up." One day you wake up, and traffic doesn't go your way. Maybe a speeding ticket, fender bender, or tree-blocked stop sign are the reason to blame. But that doesn't mean one mistake should cost you forever, right?

Fortunately, most insurance companies limit their checks to the past three years for North Dakotans. In the meantime, if you wish to save, compare quotes and coverages, avoid accidents and tickets, and shop around every renewal for the best rates. Here are the rates after various high-risk driving offenses:

Driving HistoryAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$155
Speeding Ticket$190
At-Fault Accident$177
Reckless Driving$201
Failure to Stop$185

How Much Does a Speeding Ticket Impact Car Insurance Rates in North Dakota?

The only thing worse than being late to work or school is being late and getting a speeding ticket. It happens all the time, and that little piece of paper will increase your price by over $35 per month, or $420 per year. Here's how the math breaks down:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Does an at-Fault Accident Impact Insurance Rates in North Dakota?

The other car need not be totaled, even a fender bender bumps up your rate. Insurance companies make you pay more any time they cover an accident claim. That's why a crash pushes the premium up by over $20 per month, or $240 per year. You can see the change here:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in North Dakota?

You didn't mean to run the red light. You were simply trying to make it through the intersection. The police officer will see it differently and reward your honesty with a ticket that pops your rate up by $30 per month, or over $360 per year. Here are the details:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Does Driving With a Suspended License Impact Car Insurance Rates in North Dakota?

Insurance companies say high-risk drivers are people who are more likely to file claims than average drivers. You can end up on the list because of no fault of your own, or your actions could place you in the group. For what specifically?

If you're a first-time driver, teenage driver, or driver age 65 or older, you're in the club—likewise for those with poor credit or no credit. You also find yourself there for the following missteps: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. Many things can make you high-risk, but you can still find a nice deal in North Dakota.

Tips for Researching High-Risk North Dakota Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like North Dakota draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

Top Auto Insurance Companies

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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

  • Why is car insurance so expensive in North Dakota?

    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.

  • Do car insurance rates vary by county in North Dakota?

    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.

  • Which providers have the best auto insurance ratings in North Dakota?

    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.

  • How much do annual auto insurance rates increase in North Dakota?

    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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Courtney Roy
Courtney RoyInsurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.