Find the Cheapest Auto Insurance Quotes in Your Area
We analyzed quotes from the top auto insurers and found that the cheapest car insurance in the South Heart area is offered by State Farm, whose rate of $960 per year for auto insurance coverage was 41% less than the citywide average. Since auto insurance rates will vary based based on your age, vehicle and driving history, in addition to where you live, we recommend that you compare quotes to find the best quotes for coverage. To get started finding car insurance quotes from companies near you in South Heart, you can enter your zip code above.
South Heart, North Dakota, Car Insurance Costs
In the Dickinson micropolitan area, which contains South Heart, we found the average cost of car insurance was $1,616 per year for our sample driver. This quote for auto insurance is 1% cheaper than the North Dakota average rate of $1,638 per year. Across the car insurance companies we compared, annual vehicle coverage rates varied by $1,700 per year from the cheapest insurer, State Farm, to the most expensive, Dairyland. This large difference in rates is one of the primary reasons we recommend that drivers compare car insurance quotes before purchasing a policy.
South Heart, North Dakota, Auto Insurance Agents
If you're unsure of the auto insurance coverage you need, or want personal assistance in managing your policies, you may want to use a local insurance agent to purchase a policy. To help you find a local agent to assist with your insurance needs, we've collected a directory of agents near you in South Heart, North Dakota.
|Dacotah Insurance||410 W Villard St, Dickinson, ND 58602||701-225-1200|
|American Insurance Inc||38 First St W, Dickinson, ND 58601||701-483-9104|
|Dakota Community Bank||609 Main St, Hebron, ND 58638||701-584-3331|
|Golva Insurance Agency||410 Terrell Avenue, Golva, ND 58632||701-872-3733|
|West River Ins Agency Inc||6th & Adams, Hettinger, ND 58639||701-567-4511|
|First International Insurance||100 N Main, Watford City, ND 58854||800-798-3630|
|Grant Morton Ins Agcy Inc||202 Main St, Carson, ND 58529||701-622-3491|
|Garrison State Bank Agency||100 N Main, Garrison, ND 58540||701-463-2262|
|Fee Insurance Agency||12 E Broadway, Williston, ND 58802||701-572-9038|
|Manger Insurance Inc||511 2nd St W, Williston, ND 58801||701-572-3786|
|Unity Insurance Agency Inc||308 Lincoln Ave, Underwood, ND 58576||701-442-3724|
|Western Agency Inc||408 20th Ave Sw Ste 101, Minot, ND 58701||701-852-5383|
|First International Insurance||1600 South Broadway, Minot, ND 58702||800-798-3630|
|Dacotah Insurance||1121 S Broadway, Minot, ND 58702||701-857-6020|
|Town & Country Ins Agency Llc||615 South Broadway Ste 204, Minot, ND 58701||701-420-6650|
|Kumm Insurance Agency||101 N Main, Velva, ND 58790||701-338-2821|
Car Insurance Requirements in South Heart, North Dakota
South Heart vehicle owners are required to maintain liability coverage, uninsured motorist coverage and personal injury protection—the same mandatory car insurance needed by drivers in the rest of the Peace Garden State. In North Dakota, the minimum car requirements are:
- Bodily Injury Liability Coverage: $25,000 per person / $50,000 per accident
- Property Damage Liability Coverage: $25,000 per accident
- Uninsured/Underinsured Motorists Bodily Injury (UMBI/UIMBI): $25,000 per person / $50,000 per accident
- Personal Injury Protection (PIP): $30,000 per accident
Keep in mind that these are just the state-required minimums. We recommend that you consider higher coverage limits for your auto insurance policy, as well as non-mandated coverages which could help protect you financially in the event of a collision. For instance, comprehensive and collision insurance are not required in North Dakota but cover your vehicle if it is stolen or damaged due to a wider set of circumstances.
Drivers are also required to have proof of auto insurance either on your person or in your car at all times. Failure to provide this proof to a police officer may result in fines and suspension of your license.
South Heart, North Dakota, Motor Vehicle Theft and Fatality Statistics
In South Heart, there have been four fatal car crashes resulting in five total deaths. Considering the low population of the city, this is a relatively high rate of fatal accidents. Auto insurance companies take the frequency of auto accidents into account when determining local rates for drivers, even if you haven't been involved in a collision, because it means you may be more likely to be struck by another vehicle. If you live in a city with a high frequency of serious auto accidents, you can typically expect to pay more for auto insurance than in areas with safer roads.
South Heart Theft and Fatal Accident Statistics
|Local Auto Thefts (2009)||NA|
|Local Thefts Per 1000 People||NA|
|State Thefts Per 1000 People||1.25|
Fatal Crashes in South Heart by Vehicle Make and Model
|Make and Model||Fatalities||Accidents|
|Ford F-Series Pickup||2||2|
|Kenworth Medium/Heavy - CBE||0||2|
|Harley-Davidson 750cc or greater||1||1|
|GMC Medium/Heavy - CBE||0||1|
|Chevrolet S-10 Blazer/TrailBlazer (2002 only; for 2003 on, see 403)||1||1|
Deadliest Roads in South Heart