Cheapest car insurance for high-risk drivers in North Dakota

Cheapest car insurance in North Dakota for a bad driving record

If you have a poor driving record in North Dakota, 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

Read our methodology

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

Show Graph View

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

Read our methodology

Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance 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.

Cheapest car insurance in North Dakota with a DUI

While many insurers offer coverage after a DUI, American Family provides the average cheapest coverage for $1,417 annually.

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

Read our methodology

Cheapest car insurance in North Dakota with multiple tickets

The cheapest insurer for drivers with multiple tickets is American Family, with rates averaging $1,417 annually or $118 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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

Read our methodology

Cheapest car insurance in North Dakota with a reckless driving conviction

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

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with 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

Read our methodology

Cheapest car insurance in North Dakota with bad credit

The cheapest North Dakota insurer for bad credit is Nationwide, with rates averaging $1,653 per year or $138 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects North Dakota car insurance.

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

Read our methodology

Cheapest car insurance after an accident in North Dakota

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 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

Read our methodology

Cheapest car insurance in North Dakota by city

West Fargo has the cheapest car insurance rates in North Dakota at $2,213 per year. But the most expensive city is Stanton with rates of $2,770 per year.

Your location in North Dakota also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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

Read our methodology

How to reduce car insurance rates in North Dakota for a bad driving record

Finding affordable car insurance in North Dakota is possible, even with a bad driving record. 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.
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.

North Dakota car insurance laws for high-risk drivers

If you're a high-risk driver in North Dakota, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.