Best Cheap Car Insurance Companies for High-Risk Drivers in North Dakota


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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 20, 2024

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High-risk drivers usually pay a more expensive premium because they have a bigger likelihood of filing a claim. To find the most affordable auto quotes in North Dakota for a high-risk driver, shop around and compare quotes from several auto insurance providers.

MoneyGeek’s top pick for high-risk drivers in North Dakota is American Family. It’s also the cheapest company, costing high-risk drivers around $598 per year. However, the best and cheapest options for you may differ.

MoneyGeek Logo IconBest & CheapestAuto InsuranceHigh-Risk
2024

Best Companies for High-Risk Drivers in 2023

High-risk drivers have a DUI conviction or a record of driving violations, like tickets and at-fault accidents. Insurance companies also consider teen drivers as high-risk since they are inexperienced on the road. Hence, your driving history plays a big role in determining your auto insurance rate in North Dakota.

To offset the expenses of a potential claim, car insurance companies charge high-risk drivers a more expensive premium. High-risk drivers in North Dakota should anticipate paying around 25% more for a car insurance policy than a driver with a clean record.

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WHAT EXACTLY IS A HIGH-RISK DRIVER?

Drivers with severe driving violations are considered high-risk. Some examples include driving with a suspended or revoked license or driving under the influence of alcohol or drugs (DUI). Additionally, those with good credit but a past violation may be considered high-risk drivers.

If you fall under one of the following profiles, you are a high-risk driver:

  • Drivers with a history of traffic violations or at-fault accidents
  • Drivers with a DUI conviction
  • Drivers caught driving with a suspended or revoked license
  • Young drivers with a lack of driving experience
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in North Dakota for High-Risk Drivers

In North Dakota, American Family offers the cheapest insurance for high-risk drivers, costing an average of $598 per year.

You can learn more about American Family in MoneyGeek’s comprehensive review to determine if it’s the best-suited company for your needs.

American FamilyAnnual Premium$598
State FarmAnnual Premium$652
ProgressiveAnnual Premium$927
FarmersAnnual Premium$939
AllstateAnnual Premium$1,336
GEICOAnnual Premium$1,416
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SR-22 INSURANCE

In North Dakota, drivers with serious violations such as DUIs must get SR-22 car insurance. An SR-22 is a form your insurer files on your behalf to verify that your auto insurance meets the state’s minimum requirements. Also, those with a reckless driving violation or drivers caught driving without insurance must file an SR-22.

Best Car Insurance in North Dakota for High-Risk Drivers

MoneyGeek’s analysis determined that the best auto insurance company for high-risk drivers in North Dakota is American Family, scoring 91 out of 100. We dive into the pros and cons, coverage types and average cost of American Family policies in our review so you can make a well-informed decision.

The second-best company for high-risk drivers in North Dakota is State Farm, scoring 87 out of 100. Our review highlights the discounts and coverages the company provides.


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American Family InsuranceBest for High-Risk Drivers
Score:NaN
There are no ratings for this company
Geek Quick Take
Geek Quick Take

For high-risk drivers in North Dakota, the average cost of auto insurance with American Family is $598 per year. Drivers with clean records pay approximately 4% less for the same policy.

More About American Family Insurance

American Family is an excellent option for high-risk drivers in North Dakota. It garnered an above-average customer service score on MoneyGeek’s rating system.

The insurer offers many discounts, such as automatic payment and loyalty, and has rare add-on coverages like original equipment manufacturer (OEM) parts coverage.

However, American Family lacks common add-on coverages such as new car replacement.

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State Farm
Score:96

5/5

Affordability Rating

5/5

Satisfaction Rating

4.5/5

Claims Rating

5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

In North Dakota, State Farm auto insurance for high-risk drivers costs about $652 per year. That is roughly 11% more expensive than the rate clean-record drivers pay.

More About State Farm

With State Farm, North Dakota high-risk drivers get quality service.

State Farm offers add-on rideshare insurance, roadside assistance and rental car/travel reimbursement but doesn’t provide gap insurance, better car replacement coverage or deductible modification.

High-risk drivers may be eligible for various discounts through State Farm, such as good student, new vehicle, airbag and anti-theft system.

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MONEYGEEK EXPERT TIP

In certain situations, high-quality insurance comes with a more expensive cost. But you can still find reasonable rates for excellent customer service quality by weighing different options for low-income car insurance in North Dakota.

Cheapest Car Insurance in North Dakota for Drivers With a DUI

If you’re convicted of a DUI, American Family offers the most affordable car insurance in North Dakota at around $598 per year. MoneyGeek reviewed American Family to outline its pros and cons, add-on coverages and customer service quality.

Eligible military personnel with a DUI in North Dakota could consider a high-risk auto insurance policy through USAA, an often affordable option.

American FamilyAnnual Premium$598
State FarmAnnual Premium$634
ProgressiveAnnual Premium$793
FarmersAnnual Premium$954
AllstateAnnual Premium$1,763
GEICOAnnual Premium$1,802
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LOOK-BACK PERIODS

North Dakota has a five-year look-back period. A look-back period is the amount of time a DUI violation stays on a driving record. The time frame varies by state, but the goal of it is to deter repeat offenders and accommodate harsher sentencing and penalties.

Cheapest Car Insurance in North Dakota for Teenage Drivers

If you’re a teen driver, MoneyGeek’s top pick for the cheapest auto insurance in North Dakota is State Farm. On average, its premium costs $2,563 per year.

Keep in mind that your final rate depends on factors like your age and the car you drive. Read more about State Farm to know its perks and downsides.

State FarmAnnual Premium$2,563
GEICOAnnual Premium$2,875
ProgressiveAnnual Premium$5,205
AllstateAnnual Premium$6,706
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MONEYGEEK EXPERT TIP

Car insurance policies are generally pricey for students and teen drivers. MoneyGeek highly encourages teen drivers to purchase full coverage instead of the state minimum coverage, though. In the event of an accident, having robust auto insurance coverage offers peace of mind and needed protection. Determine the best and cheapest car insurance for teen drivers by comparing your options.

Cheapest Car Insurance in North Dakota for Drivers With Bad Credit

Drivers with bad credit pay a more expensive premium because there’s a chance they might not meet monthly payments or file a claim more often. In North Dakota, drivers with bad credit scores can consider GEICO; it offers the cheapest premium at around $872 per year.

You can read up on GEICO in MoneyGeek’s review to learn about its coverages, customer service and discounts.

GEICOAnnual Premium872Percent Change40%
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Even if you have bad credit, you can still purchase cheap, quality auto insurance. To snag an affordable deal, we recommend shopping around to find the best auto insurance company for your financial background and driving record.

How Much Does Car Insurance Cost for High-Risk Drivers in North Dakota?

When insurance companies calculate your premium, they evaluate your driving history and profile. To offset the insurer’s possible loss, high-risk drivers pay more expensive insurance rates.

In North Dakota, high-risk drivers pay roughly $978 per year, whereas those with clean records pay around $688 per year. That is around a 25% increase for high-risk drivers in the state.

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To estimate your auto insurance cost, MoneyGeek has a North Dakota car insurance calculator. You can input your personal information, like driving record, vehicle type, coverage amount and age, to get a customized estimate. It can help you figure out which factor heavily influences your premium.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Can You Still Get Car Insurance in North Dakota if Insurers Refuse to Insure You?

The insurance industry is a voluntary market. Thus, in some cases, auto insurance companies can refuse to cover you if it is too high of a risk. If that happens, the Automobile Insurance Plan Service Office (AIPSO) can get you a residual market plan. AIPSO is a non-profit corporation that has been helping high-risk drivers in the residual insurance market since its formation in 1972.

North Dakota Automobile Insurance Plan

AIPSO has a residual market plan database for each state. The plan in North Dakota is known as the North Dakota Automobile Insurance Plan (NDAIP).

To apply, drivers must show that they were unable to obtain auto insurance in North Dakota within 60 days of the residual market plan application. Another eligibility requirement is a valid driver's license or the ability to get one.

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    Office Hours

    Monday–Friday, 8 a.m.–4 p.m. CT

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    Email

    ndaip@aipso.com

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    Phone

    888-706-6100

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    Fax

    800-827-6260

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    Mailing Address

    Central Region, P.O. Box 6530, Providence, RI 02940-6530

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Frequently Asked Questions

As a high-risk driver, shopping around for auto insurance in North Dakota can be tricky. To help, MoneyGeek answered commonly asked questions about high-risk auto insurance in North Dakota.

Which car insurance company is best for high-risk drivers in North Dakota?
How much does car insurance in North Dakota cost for high-risk drivers?
Who do insurers classify as a high-risk driver?
Where do I get car insurance coverage in North Dakota if insurers reject my application?

Methodology

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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