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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.