North Dakota Car Insurance for High Risk Drivers (With Quotes)

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.

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.

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:

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:

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:

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:

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.

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