Cheapest car insurance for high-risk drivers in North Dakota

Which company has the cheapest car insurance in North Dakota for a bad driving record?

American Family offers the cheapest average car insurance rate for high-risk drivers in North Dakota at $1,530 a year. Progressive and Nationwide also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
American Family	$1,092	$1,530
Progressive	$1,403	$1,833
Nationwide	$1,152	$1,934
State Farm	$1,738	$2,751
GEICO	$1,773	$3,007
Auto-Owners	$1,717	$3,031
Allstate	$2,339	$3,312
Farmers	$2,077	$3,491
USAA	$826	$1,355

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How much is high-risk car insurance in North Dakota?

American Family has the cheapest average DUI insurance rates in North Dakota at $1,417 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

Average annual car insurance rate for At-fault bodily injury accident in North Dakota, ND is $2,424

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Company	Annual premium for clean record	Annual premium after violation
USAA	$826	$1,187
Nationwide	$1,152	$1,826
State Farm	$1,738	$1,956
Progressive	$1,403	$2,060
Auto-Owners	$1,717	$2,083
GEICO	$1,773	$3,029
Allstate	$2,339	$3,153
Farmers	$2,077	$3,360

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Average annual rate

People ask

Who is considered a high-risk driver in North Dakota?

Drivers in North Dakota are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

What company offers the cheapest car insurance in North Dakota after a DUI?

American Family offers the cheapest average rate for drivers with multiple tickets at $1,417 annually or $118 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in North Dakota.

Company	Average annual premium for clean record	Annual premium for a DUI
American Family	$1,092	$1,417
Progressive	$1,403	$1,521
State Farm	$1,738	$1,837
Nationwide	$1,152	$2,373
Auto-Owners	$1,717	$2,920
Allstate	$2,339	$4,206
Farmers	$2,077	$4,226
GEICO	$1,773	$4,899
USAA	$826	$1,969

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What is the cheapest car insurance in North Dakota with multiple tickets?

American Family is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,417 a year or $118 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows North Dakota drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
American Family	$1,092	$1,417
Progressive	$1,403	$1,694
Nationwide	$1,152	$1,734
State Farm	$1,738	$1,837
GEICO	$1,773	$1,871
Auto-Owners	$1,717	$2,102
Allstate	$2,339	$2,618
Farmers	$2,077	$2,721
USAA	$826	$987

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

What company offers the cheapest insurance for reckless driving in North Dakota?

State Farm has the cheapest average reckless driving insurance rates in North Dakota at $1,837 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,738	$1,837
American Family	$1,092	$1,854
Progressive	$1,403	$1,934
Nationwide	$1,152	$2,373
Auto-Owners	$1,717	$2,920
GEICO	$1,773	$3,795
Allstate	$2,339	$4,206
Farmers	$2,077	$4,364
USAA	$826	$1,706

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in North Dakota?

Nationwide has the cheapest average rates for drivers with poor credit in North Dakota at $1,653 annually or $138 monthly.

Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in North Dakota.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,152	$1,653
American Family	$1,092	$1,659
GEICO	$1,773	$1,919
Progressive	$1,403	$2,461
Allstate	$2,339	$3,607
Farmers	$2,077	$4,197
Auto-Owners	$1,717	$5,111
State Farm	$1,738	$7,321
USAA	$826	$1,497

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What company has the cheapest car insurance in North Dakota after an accident?

Nationwide has the cheapest average rates after an accident at $1,826 per year. State Farm also offers lower-than-average rates at $1,956 annually.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Nationwide	$1,152	$1,826	$2,515
State Farm	$1,738	$1,956	$1,956
Progressive	$1,403	$2,060	$2,708
Auto-Owners	$1,717	$2,083	$2,429
GEICO	$1,773	$3,029	$4,205
Allstate	$2,339	$3,153	$3,056
Farmers	$2,077	$3,253	$4,525
USAA	$826	$1,187	$1,850

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in North Dakota?

West Fargo has the cheapest average high-risk insurance premiums in North Dakota at $2,213 annually. Meanwhile, Stanton has the highest average rates at $2,770 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

City	Average annual premium for clean record	Annual premium for high-risk driver
West Fargo	$1,378	$2,213
Wahpeton	$1,547	$2,448
Lidgerwood	$1,572	$2,494
Minot	$1,598	$2,553
Bismarck	$1,596	$2,557
Park River	$1,635	$2,585
Grafton	$1,639	$2,591
Williston	$1,641	$2,615
Rugby	$1,719	$2,705
Stanton	$1,754	$2,770

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How can high-risk drivers lower their car insurance rates in North Dakota?

High-risk drivers in North Dakota can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in North Dakota?

Three years is common, but how long you are considered a high-risk driver in North Dakota depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are North Dakota's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in North Dakota, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in North Dakota

Can high-risk drivers get full coverage car insurance in North Dakota?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in North Dakota?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.