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North Dakota Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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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.
| Carrier | Avg. Monthly Cost |
|---|---|
| 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
No Violation$155
At-Fault Accident$177
Failure to Stop$185
Speeding Ticket$190
Reckless Driving$201
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 History | Avg. Monthly Cost |
|---|---|
| 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:
No Violation - Avg. Monthly Rate$155
Speeding ticket - Avg. Monthly Rate$190
$35 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$155
Speeding ticket - Avg. Monthly Rate$177
$22 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$155
Speeding ticket - Avg. Monthly Rate$185
$30 ▴
Avg. Monthly Rate Increase
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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.
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
Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.
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