Cheap Auto Insurance in South Heart, North Dakota

Find the Cheapest Auto Insurance Quotes in Your Area

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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.

Comparing the cost of auto insurance in South Heart, North Dakota

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.

NameAddressPhone
Dacotah Insurance410 W Villard St, Dickinson, ND 58602701-225-1200
American Insurance Inc38 First St W, Dickinson, ND 58601701-483-9104
Dakota Community Bank609 Main St, Hebron, ND 58638701-584-3331
Golva Insurance Agency410 Terrell Avenue, Golva, ND 58632701-872-3733
West River Ins Agency Inc6th & Adams, Hettinger, ND 58639701-567-4511
First International Insurance100 N Main, Watford City, ND 58854800-798-3630
Grant Morton Ins Agcy Inc202 Main St, Carson, ND 58529701-622-3491
Garrison State Bank Agency100 N Main, Garrison, ND 58540701-463-2262
Fee Insurance Agency12 E Broadway, Williston, ND 58802701-572-9038
Manger Insurance Inc511 2nd St W, Williston, ND 58801701-572-3786
Unity Insurance Agency Inc308 Lincoln Ave, Underwood, ND 58576701-442-3724
Western Agency Inc408 20th Ave Sw Ste 101, Minot, ND 58701701-852-5383
First International Insurance1600 South Broadway, Minot, ND 58702800-798-3630
Dacotah Insurance1121 S Broadway, Minot, ND 58702701-857-6020
Town & Country Ins Agency Llc615 South Broadway Ste 204, Minot, ND 58701701-420-6650
Kumm Insurance Agency101 N Main, Velva, ND 58790701-338-2821

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

StatisticFigure
Population314
Local Auto Thefts (2009)NA
Local Thefts Per 1000 PeopleNA
State Thefts Per 1000 People1.25
Auto Accidents4
Auto Fatalities5

Fatal Crashes in South Heart by Vehicle Make and Model

Make and ModelFatalitiesAccidents
Ford F-Series Pickup22
Kenworth Medium/Heavy - CBE02
Harley-Davidson 750cc or greater11
GMC Medium/Heavy - CBE01
Chevrolet S-10 Blazer/TrailBlazer (2002 only; for 2003 on, see 403)11

Deadliest Roads in South Heart

RoadwayFatalitiesAccidents
SR-2232
US-8522

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.