Best cheap car insurance in South Heart

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South Heart, North Dakota, is a remote area with a population of about 304 people. This means that drivers pay lower than average rates for car insurance. South Heart’s average car insurance cost is $1,320 annually for a full coverage policy, and $289 for a minimal coverage policy.

One car accident in North Dakota occurs every 37 minutes. It is therefore important to have a car insurance policy. Based on customer satisfaction scores and average rates, we identified the top South Heart car insurance companies.

South Heart’s best car insurance companies

USAA, Geico and Progressive are the top car insurance companies in South Heart. These providers are distinguished by their low rates, comprehensive coverage options, generous discounts and 2020 J.D. Power Auto Insurance Study ratings to assess customer satisfaction and financial strength.

Insurance CompanyJ.D. Power Score (Central Region)Average Annual Premium for Minimum InsuranceAverage annual premium for full coverage
USAA905 / 1,000$175$802
Geico855 / 1,000$238$1,144
Progressive849 / 1,000$386$1,200
Auto-Owners868 / 1,000$284$1,388
State Farm849 / 1,000$288$1,344

USAA

USAA is an insurance company that provides coverage for military personnel and their families. USAA coverage is only available to active duty and retired military personnel. This makes it not eligible for J.D. The USAA has a high customer satisfaction score, but it does not have a high power score.

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South Heart drivers who are eligible for USAA will likely enjoy great rates and great customer services. USAA claims that drivers who switch to USAA average a savings of $700 annually.

Geico

Geico is a affordable car insurance company. It is also rated as the second-highest provider according to the 2020 J.D. Power Auto Insurance Study has an A++ (Superior), financial strength score from AM Best. This is the highest possible rating.

Geico’s car insurance coverages have very few endorsements. The company offers tons of discount, including savings on military personnel and federal employees, as well as safety equipment for your car.

Progressive

Progressive offers amazing discounts and reliable coverage options. They also offer a wide range of online tools and resources. South Heart drivers can search for policies within their price range by using the Name your Price Tool. They can also compare Progressive’s rates with other insurers right from the company’s website. Progressive offers one of the most secure driver rewards programs: Snapshot. This program uses telematics to track driving habits and is powered by a mobile app.

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Auto-Owners

In the 2020 J.D., Auto-Owners was voted the best auto insurer for overall customer satisfaction in Central North Dakota. Power Auto Insurance Study. While Auto-Owners’ car insurance premiums are comparable to the South Heart average, they are slightly higher than the average for full coverage. Drivers have access to excellent coverage options such as a common loss deductible, diminished value coverage and the Personal Automobile Plus Package which offers 10 distinct coverages. Auto-Owners offers many discounts.

State Farm

State Farm is one the most popular car insurers in North Dakota. It is also the largest carrier in the nation. State Farm offers many discounts. These include savings for being an accident-free driver, being a good student and taking a driver training class. Bundling your policies is also possible. State Farm offers two safety driver reward programs: Drive Safe & Save to drivers over 25 years old and Steer Clear to drivers under 25.

South Heart has the lowest car insurance

The average price of car insurance is higher than that in North Dakota. An average North Dakota driver will pay $1,264 annually for a full coverage policy, and $285 for a minimum coverage policy. The average US annual rate is $1,674 to get full coverage, and $565 to get minimum coverage.

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Each car insurance company has a different rate. Your premium could also be affected by factors such as your credit score, age, and claims history. Below is a table that lists the lowest car insurance rates offered by the most well-known South Heart carriers.

Insurance CompanyMinimum Coverage: Average Annual PremiumAverage annual premium for full coverage
USAA$175$802
Farmers$186$1,058
Geico$238$1,144
American Family$264$853
All over the country$272$1,150

You should consider other factors when looking for affordable car insurance in North Dakota. USAA is the best overall coverage, but you have to be a member of the military to purchase a policy. American Family offers coverage for everyone, with low rates.

Farmers, American Family, and Nationwide are the most popular policy options. USAA and Geico have fewer endorsements, but offer better discounts for drivers looking for the best deals. They also offer a variety of 2020 J.D. Power Customer Satisfaction Ratings. Geico and USAA rank higher than Farmers, American Family, and Nationwide.

South Heart Insurance requirements

South Heart requires that car insurance be purchased. 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. These are the South Heart insurance requirements:

  • $25,000 bodily injury coverage per individual
  • $50,000 per accident bodily injury coverage
  • $25,000 in property damage coverage per accident
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North Dakota is also a no fault state. This means that drivers must have at least $30,000 of Personal Injury Protection (PIP). PIP automatically covers medical bills and lost earnings if you are involved in an accident.

Although a minimum coverage policy may be the most affordable option, it is not recommended by insurance professionals. It is not guaranteed that South Heart’s minimum coverage policy will cover all costs incurred in an accident. It does not provide any protection for your vehicle. Your lender might require that you have full coverage insurance if you finance or lease your vehicle.

South Heart Insurance Discounts

South Heart drivers can benefit from car insurance discounts in order to receive a lower premium. There are many discounts offered by insurance companies, but these are the most popular savings:

  • Discounts for claims-free: Many insurance companies will offer a discount if you don’t have any insurance claims in the past few years.
  • Discount for students: Students who have maintained a minimum GPA or letter grade in high school or college are often eligible for a discount on their premium.
  • You could receive a good discount if you pay all of your annual premiums upfront.
  • Multi-policy discount: Many insurance companies offer multi-policy discounts, which can save you money if your vehicle and home are insured with the same company.
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Insurance companies offer discounts of varying percentages. You can often save money by being claims-free, but it is worth checking to see if you are eligible for each discount.

Questions frequently asked

Which is the best auto insurance company?

Every driver will have a different experience with the best auto insurance company. It all depends on where you live, how much coverage you need, and what you are willing to spend. Compare providers and shop around to find the best auto insurance company.

What is the cost of South Heart car insurance?

An average South Heart car insurance policy costs $1,320 annually for full coverage and $289 for minimal coverage. Keep in mind, however, that your credit score, claims history, and age will all impact the final cost of your South Heart car insurance policy.