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, Progressive, Nationwide are the cheapest options. American Family has the lowest annual rate at $1,530 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In North Dakota, high-risk car insurance costs $2,643 per year. However, you can get rates as low as $1,530 annually from American Family.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

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?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

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

While many insurers offer coverage after a DUI, American Family has the lowest rate at $1,417 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. 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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Cheapest car insurance in North Dakota with multiple tickets

For drivers with multiple tickets, American Family offers the lowest premiums, averaging $1,417 per year or $118 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in North Dakota how much having multiple tickets can raise their insurance 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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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,837 per year.

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.

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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Key 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?

In North Dakota, Nationwide provides the lowest premiums for drivers with poor credit, averaging $1,653 per year or $138 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are 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 lowest average rates after an accident at $1,826 a year. State Farm also offers affordable rates, averaging $1,956 per year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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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Key insight

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

Which city has the cheapest car insurance for high-risk drivers in North Dakota?

In North Dakota, the lowest car insurance rates are found in West Fargo, averaging $2,213 annually. On the other hand, Stanton has the highest rates at $2,770 a year.

Where you live in North Dakota matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

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?

Finding affordable car insurance in North Dakota is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in North Dakota also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
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 California 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.

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

If you're a high-risk driver in North Dakota, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

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: