Allstate vs. Nodak: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Nodak offers significantly cheaper rates than Allstate
• Allstate offers more discounts than Nodak Insurance Company
• Nodak offers less expensive average premiums for drivers who have less-than-stellar credit

Allstate vs. Nodak: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might be considering Allstate or Nodak, but between the two, which carrier will save you the most?

As you can see, Allstate has average rates that are about 45% per month more expensive than those from Nodak when looking at the national average rates for auto insurance.

Even so, that doesn't mean Nodak will necessarily be more affordable than Allstate for every single driver. Car insurance companies use a ton of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among lots of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Allstate or Nodak is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allstate or Nodak: Average Car Insurance Rates by State

Allstate and Nodak only compete against each other in North Dakota, where Nodak offers the cheaper average rates. For North Dakota residents, Nodak offers insurance for $111 monthly on average. Allstate's average prices come out to be over 60% more expensive, at $183 a month.

But there's more to calculating auto insurance premiums than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Nodak for their auto insurance pay nearly $250 less than those who use Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Nodak's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will drop premiums by the time you turn 25. For example, average rates for Allstate policyholders reduce almost $300 and Nodak's prices decrease around $100 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase premiums.

When looking at Allstate and Nodak specifically, which company is best for retired drivers? Nodak gets the edge, with prices for drivers 65 and older $68 less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married policyholders. That's normally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Nodak is the clear winner for single policyholders, with prices about $108 a month cheaper than Allstate, on average. The advantage is also clear for married couples - Nodak offers the cheapest average rates.

Allstate vs. Nodak: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for car insurance than women.

With Allstate, women typically pay nearly $10 per month less than men, and around $5 cheaper with Nodak when compared to their male counterparts.

Looking at overall affordability, Nodak offers the most affordable average prices for both men and women. On average, women save about $85 a month and men save about $89 with Nodak compared to the average Allstate policyholder.

Allstate or Nodak: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance can be a complicated subject for most people. There are a range of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability limits, Nodak generally offers significantly more affordable premiums of $36 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Nodak again has the edge, with policies around $100 per month cheaper than Allstate, on average.

Is Allstate or Nodak Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with collisions and tickets on your record, but which of these two companies offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 a month if they get a ticket, while Nodak usually raises rates about $17 per month, on average.

That being said, Nodak tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are 42% and 42% more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Allstate can expect to see around an $73 -- or about 32% -- increase in their auto insurance rates. Drivers who use Nodak for their car insurance will see a monthly bill around $17 (or 16%) more expensive after reporting an accident to their auto insurance carrier.

Overall, the less expensive prices come from Nodak, with monthly premiums averaging $107 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Allstate drivers usually see a 31% increase in their car insurance prices after a DUI charge, while Nodak will normally raise rates by about 36%.

Nodak has the overall lowest premiums for drivers with a DUI on their records at $141 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Nodak, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Nodak Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few drivers.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Allstate and Nodak, which company has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Nodak. Drivers with "excellent" credit can save 60% compared to Allstate, and those with "good" scores can also expect to see savings -- around $88 or 51% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Nodak typically offers lower premiums than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $92 a month less with Nodak compared to Allstate, and those with "poor" scores generally save an average of around $82 monthly.

Is Allstate or Nodak Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a considerable impact on how much car insurance carriers will charge for coverage? Typically, the more miles you drive, the more you can expect to pay for coverage.

Nodak tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Allstate average prices for drivers with 6,000 annual miles come in about $89 more expensive than Nodak. Those who drive 12,000 miles each year can expect to pay around $85 more with Allstate over Nodak.

Allstate vs. Nodak: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a pretty big impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the roads in those areas.

Nodak tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Nodak's average prices are about $111 while Allstate offers premiums around $222. People in suburban areas pay a monthly rate of about $111 with Nodak compared to $199 with Allstate. Those in rural areas can expect to pay around $112 per month with Nodak and $174 with Allstate.

Allstate vs. Nodak Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Below, we've broken down all of the different discounts offered by both Allstate and Nodak so that you can see which one can save you the most money each month.

Allstate blows Nodak away when it comes to the sheer amount of discounts available, offering 31 more discounts than Nodak.

Both companies offer lots of the same discounts -- like discounts for getting driver training, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Nodak does not.

On the flip side, Nodak has a couple unique discounts of its own -- low mileage discounts and loyalty discounts.

Final Thoughts: Is Allstate or Nodak Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which company is the best company for you and your specific driver profile?

Nodak might be best for you if....

• You want to save money on your insurance after an accident.
• Your credit is below-average.
• You and your spouse are buying car insurance together.

Allstate might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You care about discounts (Allstate offers the most).

We hope this guide helps you get a better idea of the difference between Allstate and Nodak. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Allstate and Nodak. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Allstate vs. Nodak FAQs

Is Allstate or Nodak cheaper?

Looking just at the national average prices, Nodak is the more affordable of the two companies, offering average rates of $111 per month compared to $199 for Allstate. However, Nodak won't necessarily be the most affordable company for everyone, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Nodak?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Allstate and Nodak offer me different rates?

Auto insurance carriers take a look at lots of different factors when calculating the premiums they charge drivers. Variables such as where you live, age, where you park your car, gender, and sometimes even things like your credit score can all be used. Both Allstate and Nodak calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Allstate or Nodak is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Allstate or Nodak at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.