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

Quick Facts

• In general, Nodak offers significantly more affordable premiums than State Auto
• Nodak offers cheaper average prices for policyholders who live in rural neighborhoods
• State Auto may help you save more money -- they offer more discounts than Nodak Insurance Company

Nodak or State Auto: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might have narrowed it down to Nodak or State Auto as your top options, but which carrier will save you the most?

As you can see, Nodak has average rates that are around 55% a month less expensive than those from State Auto when looking at the national average rates for car insurance.

But Nodak may not be the cheapest or best option for each driver out there. Auto insurance carriers vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a variety of other factors, so rates could vary drastically from person to person.

Luckily, we've broken down average prices from both Nodak and State Auto by many different rate factors, so read on to find out which carrier is the best for you.

Nodak vs. State Auto: Average Car Insurance Rates by State

Nodak and State Auto only compete against each other in North Dakota, where Nodak offers the cheaper average rates. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their car insurance.

That being said, there are plenty of other factors that go into your insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 70% less a month by choosing Nodak over State Auto.

However, with both companies, you'll see your prices lower significantly by the time you turn 25. For example, average rates for Nodak policyholders drop about $100 and State Auto's prices reduce around $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you can find.

When looking at Nodak and State Auto specifically, which company is best for retired drivers? Nodak gets the edge here, with average rates coming in at about $84 per month compared to State Auto's $167.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married drivers than they are for those who are single. That's usually because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Nodak premiums coming in at around a third of State Auto's. The advantage for married policyholders with Nodak is also obvious, where drivers save almost $75 per month.

Nodak or State Auto: Average Rates by Gender

Because women are less likely to get into accidents and get tickets, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men.

With Nodak, men generally pay about 4% more a month than women., and around 9% more with State Auto.

Looking at the data for each carrier specifically, Nodak offers the cheapest average rates for both men and women. On average, women save about $138 per month and men save about $157 with Nodak compared to the average State Auto policyholder.

Nodak vs. State Auto: 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.

Auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability limits, Nodak has the significant edge, with average monthly prices coming in at $36. If you want a full coverage policy with the same state minimum limits, Nodak again has the edge, with policies averaging around $187 a month to State Auto's $369.

Is Nodak or State Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Nodak for their auto insurance can typically expect their monthly bill to go up about 16% after getting a speeding ticket. State Auto policyholders can expect a bit more drastic of an increase of around 22%.

But Nodak is usually the more affordable option for drivers both with a ticket and with a clean record, offering prices that are $80 and $111 less expensive, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Nodak drivers who get in an accident can expect to see their premiums rise by over $15, while those who have insurance through State Auto will see about a $100 increase.

At the end of the day, drivers who use Nodak end up with the cheaper prices after an accident, with average rates coming in at $107 compared to State Auto Insurance's $269.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. For example, State Auto increases average prices by more than $200 per month -- that's more than a 55% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Nodak tends to be more affordable for the average driver, with monthly premiums coming in at around $141 to State Auto's $380.

How does Credit Score Impact Nodak and State Auto Rates?

Did you know many insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect lots of policyholders out there.

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

So, which company offers the most affordable prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much State Auto charges. However, there's a small difference in monthly premiums for Nodak, with drivers who put 6,000 miles on their vehicle annually paying about $7 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Nodak is the cheaper carrier.

Nodak or State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the road where they live, which increases the chances of an accident.

Nodak boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 50% with Nodak compared to State Auto. People who live in suburban areas pay about 53% less with Nodak compared to State Auto. For policyholders in urban ZIP codes, Nodak Insurance Company's average rates are around 65% less than State Auto Insurance.

Nodak vs. State Auto Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Nodak and State Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

State Auto blows Nodak away when it comes to the sheer amount of discounts available, offering nine more discounts than Nodak.

Both companies offer several of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and discounts for insuring multiple cars with the same company -- but State Auto also offers discounts for ABS, advance quote, advantage program , and more.

On the other hand, Nodak has a few proprietary discounts of their own for things like EFT discounts, low mileage discounts, and loyalty discounts.

Final Thoughts: Is Nodak or State Auto Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Nodak or State Auto the best company for you and your specific driver profile?

Nodak might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates increase.
• Your home is in a busy urban area.
• You've started working from home and don't have much of a commute.

State Auto might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Nodak and State Auto. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Nodak and State Auto. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Nodak vs. State Auto FAQs

Is Nodak or State Auto cheaper?

Nodak is the less expensive of the two carriers when looking at national average prices, with policies averaging $111 a month with Nodak and $259 for State Auto. That being said, that doesn't mean Nodak will be the cheapest company for everyone, since there are multiple different factors that are considered when it comes to your auto insurance payment.

Who is better, Nodak or State Auto?

Sadly, the real answer is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Nodak and State Auto offer me different rates?

Insurance companies use quite a few different variables when calculating the premiums they charge. Factors such as where you park your vehicle, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Nodak and State Auto calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies 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 information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Nodak or State Auto at all, but another you hadn't even thought of!

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.