Car Insurance in Dickinson
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Driving in Dickinson
Dickinson offers small-town living amid the rugged beauty of North Dakota. Many of the city's 25,000 or so residents drive. The city offers public transit, but it is an on-demand, shared-ride system. Personal vehicles give residents much more freedom, convenience and flexibility.
In fact, the average Dickinson household owns two cars. and residents use their autos for commuting, shopping, running errands and adventuring throughout North Dakota and the United States.
Dickinson can get snow a whopping eight months of the year, with March seeing the most snow at an average of 6.4 inches. Wintry weather is one of the challenges drivers face, along with issues such as distracted driving and wildlife. About three people in the city are involved in fatal car crashes per year, and car insurance in Dickinson can offer several layers of protection and peace of mind. Compare rates with VIU by HUB.
Insurance Considerations for Dickinson Drivers
North Dakota has fairly major insurance requirements. They break down as follows:
- 25/50/25 liability insurance: This offers $25,000 bodily injury protection for one person per accident, $50,000 for multiple people and $25,000 property damage coverage, all for at-fault accidents you cause.
- Medical payments: Also called personal injury protection, this insurance can help with hospital bills, lost income, rehab costs and other problems stemming from a car accident, regardless of fault. You need a minimum of $30,000 coverage.
- 25/50 uninsured motorist coverage: This can come in handy if you're involved in a hit-and-run scenario or are hurt by a driver who lacks insurance or does not have as much as you do. North Dakota wants drivers to have a minimum of $25,000 bodily injury protection for one person per accident and $50,000 for bodily injury coverage per accident for injuries multiple people sustain.
While these requirements go beyond what most other states want from their drivers, they are not enough for many drivers. For instance, if you own a home or have a high net worth, your assets could be at risk if you're at fault and people who are hurt need more help than what your policy offers. Consider at least 50/100/50 liability coverage or even higher limits that correlate to the value of your assets.
Collision and Comprehensive
Collision and comprehensive are the two main types of optional insurance in North Dakota. Lenders often require them, though, so they may not be "optional" per se if you are financing your vehicle.
These two types of car insurance in Dickinson help with repairs to your car or can help with replacements if your auto is totaled. Collision assists with car collisions and if you strike an object such as a fence. Comprehensive can cover animal collisions, fire, theft and other situations not covered by collision.
The Average Cost of Car Insurance in Dickinson
Dickinson car insurance costs $115 per month or $1,384 per year for the average driver. These rates are pretty good for North Dakota. The specific rate you pay can depend on the size of your deductible and the types of coverage and limits you select.
Each insurer draws from variables such as your car make and model, driving history, age, gender, marital status and credit record to determine what rate to charge. They each have different formulas, though, so comparing quotes is an excellent way to save money. Fortunately, you can easily compare rates for car insurance in Dickinson across various policies and insurance companies with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.