Best cheap car insurance in South Heart

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

South Heart, North Dakota is a relatively remote location with a population of around 304 people, so drivers pay below-average rates for car insurance. The average cost of car insurance in South Heart is $1,320 per year for a full coverage policy and $289 per year for a minimum coverage policy.

In North Dakota, one car accident occurs every 37 minutes, so having a car insurance policy is important. We identified the best cheap car insurance companies in South Heart based on average rates and customer satisfaction scores.

Best car insurance companies in South Heart

The best car insurance companies in South Heart are USAA, Geico, Progressive, Auto-Owners and State Farm. These providers stand out for their affordable rates, unique coverage options, generous discounts, 2020 J.D. Power Auto Insurance Study ratings for overall customer satisfaction and financial strength.

Insurance Company J.D. Power Score (Central region) Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA 905 / 1,000 $175 $802
Geico 855 / 1,000 $238 $1,144
Progressive 849 / 1,000 $386 $1,200
Auto-Owners 868 / 1,000 $284 $1,388
State Farm 849 / 1,000 $288 $1,344

USAA

USAA is an insurance company for military personnel and their family members. You can only purchase coverage through USAA if you are an active duty or retired service member, which makes it ineligible for J.D. Power score rankings despite its high customer satisfaction score.

South Heart drivers who qualify for USAA are likely to enjoy low rates and great customer service, plus discounts for reduced mileage, safe drivers, being a loyal customer and many others. USAA states that on average, drivers who switch to USAA save over $700 per year.

Geico

Geico is known to be a cheap car insurance company. It also rates as the second-highest provider on the 2020 J.D. Power Auto Insurance Study and has an A++ (Superior) financial strength score from AM Best, which is the highest rating possible.

Geico’s car insurance coverages are limited, with only a few endorsements. However, the company has tons of discounts, including savings for military personnel, federal employees, emergency deployment and having safety equipment in your vehicle.

Progressive

Progressive has amazing discounts, reliable coverage options and a variety of online tools and resources. South Heart drivers can find policies within their price range using the Name Your Price Tool, and compare Progressive’s rates to other insurers directly on the company website. Progressive also has one of the best safe driver rewards programs, called Snapshot, which uses telematics and a mobile app to track driving behavior.

Auto-Owners

Auto-Owners was named the best auto insurance company for overall customer satisfaction in the Central region, which includes North Dakota, in the 2020 J.D. Power Auto Insurance Study. Car insurance from Auto-Owners is right around the South Heart average premiums, but slightly more expensive than average for full coverage. However, drivers get access to good coverage options like a common loss deductible, diminished value coverage, and the Personal Automobile Plus Package, which includes 10 unique coverages. Auto-Owners also offers a variety of discounts.

State Farm

State Farm is one of the most popular car insurance companies in North Dakota, and it is the biggest carrier in the country. State Farm offers a long list of discounts, including savings for being accident-free, being a good student, taking a driver training course and bundling your policies. State Farm also has two safe driver rewards programs—Drive Safe & Save for drivers over 25 and Steer Clear for drivers under 25.

Cheapest car insurance in South Heart

The average cost of car insurance in South Heart is more expensive than the average rate in North Dakota. The average North Dakota driver pays $1,264 per year for a full coverage policy and $285 per year for a minimum coverage policy. For comparison, the average annual rate in the United States is $1,674 for full coverage and $565 for minimum coverage.

Every car insurance company charges a slightly different rate. Additionally, factors like your age, credit score and claims history could impact your premium. The table below includes the cheapest car insurance rates from the most popular carriers in South Heart:

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $175 $802
Farmers $186 $1,058
Geico $238 $1,144
American Family $264 $853
Nationwide $272 $1,150

If you are looking for cheap car insurance in North Dakota, consider also looking into factors beyond price. For example, USAA offers the cheapest coverage overall, but you must be affiliated with the military in order to buy a policy. American Family also offers low rates and anyone may qualify for coverage.

In terms of policy options available, Farmers, American Family and Nationwide may be the best choices. Geico and USAA have fewer endorsements and are better choices for drivers who want the best discounts. These companies also have varying 2020 J.D. Power customer satisfaction ratings. Geico and USAA have above average ratings while Farmers, American Family and Nationwide rank lower on the scale.

South Heart insurance requirements

Car insurance is a legal requirement in South Heart. Drivers in North Dakota must carry a minimum amount of car insurance, which is represented as 25/50/25, and includes personal liability insurance and uninsured/underinsured motorist liability coverage. Here are the required insurance coverages in South Heart:

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $25,000 in property damage coverage per accident

In addition, North Dakota is a no-fault state, which means drivers must carry at least $30,000 in Personal Injury Protection (PIP) per person. PIP automatically covers your medical bills and lost wages if you get into an accident, regardless of which driver caused it.

A minimum coverage policy is the cheapest option available, but it is not generally recommended by insurance experts. There is no guarantee that minimum coverage insurance in South Heart will cover the full cost of an accident. Plus, it does not offer any protection for your vehicle. If you lease or finance your car, your lender may require you to carry full coverage insurance until your loan is repaid.

Car insurance discounts in South Heart

Drivers in South Heart can take advantage of car insurance discounts to get a lower premium. Every insurance company offers different discounts, but here are some of the most common savings available:

  • Claims-free discount: If you have not filed any insurance claims within the last several years, many insurance companies may offer a discount to lower your rate.
  • Good student discount: Good students who maintain a specified letter grade or minimum GPA in high school or college often qualify for a discount on their insurance premium.
  • Pay in full discount: If you can afford to pay your annual policy upfront and in full, you could get a decent discount on the price of your policy.
  • Multi-policy discount: Most insurance companies offer a multi-policy discount, which can help you save money if you insure your home and vehicle with the same company.

Insurers offer multiple discounts at varying discount percentages. Being claims-free is often a good one to have for additional savings, but you should consider checking for each one you qualify for.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on where you live, what type of coverage you need and how much you want to spend, among other things. To find the best car insurance company for you, shop around and compare providers using your personal criteria.

How much does car insurance in South Heart cost?

The average car insurance policy in South Heart costs $1,320 per year for full coverage and $289 per year for minimum coverage. However, keep in mind that factors like your age, credit score, claims history and the type of car you drive will impact the final price you pay.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

About the author


Elizabeth Rivelli

Elizabeth Rivelli

Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.