Buy Cheap Spearfish, SD Auto Insurance in 2024
Spearfish, SD auto insurance rates average $348 a month. Minimum auto insurance requirements in Spearfish, South Dakota are 25/50/25 to comply with South Dakota laws. To buy cheap auto insurance in Spearfish, SD, compare Spearfish auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Spearfish is Liberty Mutual
- Average auto insurance rates in Spearfish, SD for teens drivers are $8,227/year
- Average auto insurance rates in Spearfish, SD after a DUI are $5,003/year
Finding affordable Spearfish, South Dakota auto insurance can be challenging, but everything you need to know to buy cheap Spearfish, SD auto insurance with confidence is right here. Auto insurance rates in Spearfish are affected by local factors as well as personal ones like your driving record.
See how Spearfish, SD car insurance rates compare to Aberdeen auto insurance rates, Pierre auto insurance rates, and Spearfish auto insurance rates before you read more about the cost of auto insurance in Spearfish.
Don’t buy Spearfish, SD auto insurance until you’ve compared rates. Get free Spearfish, South Dakota auto insurance quotes when you enter your ZIP code above.
Spearfish, SD Minimum Auto Insurance Requirements
The required auto insurance in Spearfish, SD is 25/50/25 according to the auto insurance laws in South Dakota. The minimum auto insurance in Spearfish, South Dakota is outlined here.
Minimum Required Auto Insurance Coverage in Spearfish, South Dakota
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Spearfish, SD Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Spearfish, SD. Take a look at Spearfish, South Dakota auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Spearfish, South Dakota
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,862 | $4,584 | $3,978 |
| American Family | $4,836 | $3,484 | $2,941 |
| Farmers | $4,548 | $3,844 | $3,685 |
| Geico | $4,421 | $2,244 | $1,520 |
| Liberty Mutual | $12,534 | $7,509 | $5,894 |
| Nationwide | $3,667 | $2,879 | $2,531 |
| Progressive | $5,016 | $4,138 | $3,808 |
| State Farm | $3,093 | $1,850 | $1,434 |
Buy Cheap Spearfish, SD Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Spearfish, South Dakota auto insurance rates? Find out how car insurance rates in Spearfish, SD are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spearfish, South Dakota
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,509 | $2,561 | $2,215 | $2,370 | $10,422 | $12,452 | $2,836 | $3,097 |
| American Family | $2,671 | $2,671 | $2,378 | $2,378 | $5,673 | $8,308 | $2,671 | $3,281 |
| Farmers | $2,107 | $2,106 | $1,853 | $1,930 | $9,490 | $9,844 | $2,360 | $2,516 |
| Geico | $2,189 | $2,062 | $2,090 | $1,926 | $4,505 | $5,300 | $1,919 | $1,836 |
| Liberty Mutual | $4,886 | $5,320 | $3,854 | $4,689 | $18,627 | $20,919 | $5,142 | $5,726 |
| Nationwide | $2,157 | $2,221 | $1,922 | $2,061 | $4,690 | $6,095 | $2,419 | $2,640 |
| Progressive | $2,538 | $2,519 | $2,088 | $2,145 | $8,774 | $10,009 | $3,182 | $3,313 |
| State Farm | $1,424 | $1,424 | $1,236 | $1,236 | $3,639 | $4,646 | $1,596 | $1,804 |
Buy Cheap Spearfish, SD Auto Insurance for Teen Drivers
Auto insurance for teenagers in Spearfish can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spearfish, SD are listed here.
Annual Auto Insurance Rates for Teen Drivers in Spearfish, South Dakota
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,422 | $12,452 |
| American Family | $5,673 | $8,308 |
| Farmers | $9,490 | $9,844 |
| Geico | $4,505 | $5,300 |
| Liberty Mutual | $18,627 | $20,919 |
| Nationwide | $4,690 | $6,095 |
| Progressive | $8,774 | $10,009 |
| State Farm | $3,639 | $4,646 |
Buy Cheap Spearfish, SD Auto Insurance for Seniors
You can save on senior auto insurance rates in Spearfish, South Dakota by comparing Spearfish senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spearfish, SD here.
Annual Auto Insurance Rates for Senior Drivers in Spearfish, South Dakota
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,215 | $2,370 |
| American Family | $2,378 | $2,378 |
| Farmers | $1,853 | $1,930 |
| Geico | $2,090 | $1,926 |
| Liberty Mutual | $3,854 | $4,689 |
| Nationwide | $1,922 | $2,061 |
| Progressive | $2,088 | $2,145 |
| State Farm | $1,236 | $1,236 |
Find Cheap Auto Insurance Rates in Spearfish, SD by Coverage Level
The amount of coverage you choose is a big factor in the cost of Spearfish, South Dakota auto insurance. Compare Spearfish, SD auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Spearfish, South Dakota
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,655 | $4,799 | $4,970 |
| American Family | $3,756 | $3,859 | $3,646 |
| Farmers | $3,867 | $3,989 | $4,221 |
| Geico | $2,638 | $2,725 | $2,822 |
| Liberty Mutual | $8,486 | $8,632 | $8,819 |
| Nationwide | $2,847 | $3,013 | $3,217 |
| Progressive | $4,232 | $4,292 | $4,439 |
| State Farm | $2,055 | $2,127 | $2,195 |
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Find Cheap Spearfish, SD Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Spearfish. Compare auto insurance rates in Spearfish, SD by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Spearfish, South Dakota
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,690 | $4,925 |
| American Family | $3,709 | $3,799 |
| Farmers | $4,026 | $4,026 |
| Geico | $2,695 | $2,762 |
| Liberty Mutual | $8,645 | $8,645 |
| Nationwide | $3,026 | $3,026 |
| Progressive | $4,321 | $4,321 |
| State Farm | $2,074 | $2,177 |
Find Cheap Spearfish, SD Auto Insurance Rates by Driving Record
Auto insurance rates in Spearfish, South Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spearfish, SD, take a look at the average cost for various violations versus rates for a clean driving record in Spearfish.
Annual Spearfish, South Dakota Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,980 | $4,631 | $6,160 | $4,460 |
| American Family | $2,721 | $4,023 | $5,158 | $3,112 |
| Farmers | $3,426 | $4,339 | $4,232 | $4,107 |
| Geico | $1,725 | $2,913 | $4,551 | $1,725 |
| Liberty Mutual | $7,291 | $9,038 | $9,408 | $8,844 |
| Nationwide | $2,174 | $3,034 | $4,363 | $2,531 |
| Progressive | $3,733 | $5,019 | $4,028 | $4,504 |
| State Farm | $1,982 | $2,269 | $2,126 | $2,126 |
Find Cheap Spearfish, SD Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Spearfish, South Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Spearfish for less when you shop around and compare rates from multiple Spearfish, SD auto insurance companies.
Annual Auto Insurance Rates After a DUI in Spearfish, South Dakota
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,160 |
| American Family | $5,158 |
| Farmers | $4,232 |
| Geico | $4,551 |
| Liberty Mutual | $9,408 |
| Nationwide | $4,363 |
| Progressive | $4,028 |
| State Farm | $2,126 |
Winners by Category: Where to Buy Cheap Auto Insurance in Spearfish, SD
Compare rates from the cheapest auto insurance companies in Spearfish, SD for your needs. Take a look at how Spearfish, South Dakota auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Spearfish, South Dakota
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | Geico |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Find Cheap Spearfish, South Dakota Auto Insurance Companies
If you’re looking for the cheapest Spearfish, SD auto insurance companies overall, you can compare them here. Find the best price for Spearfish, South Dakota car insurance by company.
Average Annual Auto Insurance Rates by Company in Spearfish, South Dakota
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,808 |
| American Family | $3,754 |
| Farmers | $4,026 |
| Geico | $2,728 |
| Liberty Mutual | $8,645 |
| Nationwide | $3,026 |
| Progressive | $4,321 |
| State Farm | $2,126 |
What affects Spearfish, South Dakota auto insurance rates?
Local factors affect auto insurance rates in Spearfish, SD, including traffic, theft statistics, and commute length. Take a look at the things that impact Spearfish auto insurance rates.
Auto Theft in Spearfish
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Spearfish, SD auto theft show a total of 17 vehicle thefts annually.
Commute Times in Spearfish
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spearfish, SD is 16.2 minutes according to City-Data.
Compare Auto Insurance Quotes in Spearfish, SD
You can buy cheap Spearfish, SD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spearfish, South Dakota auto insurance quotes from top companies.
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Frequently Asked Questions
How often should I review my auto insurance policy in Spearfish, SD?
It’s generally recommended to review your auto insurance policy in Spearfish, SD annually or whenever there are significant changes in your circumstances. This includes moving to a new address, adding or removing drivers from your policy, purchasing a new vehicle, or changing your coverage needs. By reviewing your policy regularly, you can ensure that you have adequate coverage and explore opportunities to save on premiums by comparing quotes from different insurers.
Can I purchase auto insurance online in Spearfish, SD?
Yes, you can purchase auto insurance online in Spearfish, SD. Many insurance companies offer online platforms where you can obtain quotes, compare coverage options, and purchase your policy conveniently from the comfort of your home. It’s advisable to research and choose reputable insurance providers with secure online payment systems to ensure the protection of your personal information.
Are there any penalties for driving without insurance in Spearfish, SD?
Yes, driving without insurance in Spearfish, SD can result in penalties. South Dakota law requires drivers to carry auto liability insurance, and failure to do so may lead to fines, suspension of your driver’s license, and vehicle registration. Additionally, driving without insurance can leave you financially vulnerable if you cause an accident, as you would be personally responsible for any damages or injuries you cause.
What should I do if I want to switch my auto insurance provider in Spearfish, SD?
If you want to switch your auto insurance provider in Spearfish, SD, follow these steps:
- Research new insurance options: Obtain quotes from multiple insurers and compare coverage and pricing.
- Check the policy expiration date: Ensure that your current policy is not nearing expiration to avoid any coverage gaps.
- Notify your current insurer: Inform your current insurance company that you will not be renewing your policy.
- Purchase a new policy: Once you have selected a new insurer, purchase the policy and make sure it goes into effect before canceling your existing coverage.
- Cancel your previous policy: Contact your current insurer and follow their process to cancel your policy effectively.
Are there any local insurance agents in Spearfish, SD who can help me find auto insurance?
Yes, there are local insurance agents in Spearfish, SD who can assist you in finding auto insurance. These agents have knowledge of the local market and can help you navigate through available coverage options, discounts, and insurance requirements specific to Spearfish, SD. Consider reaching out to local insurance agencies or using online directories to find licensed agents operating in your area.
How can I lower my auto insurance premiums in Spearfish, SD?
To lower your auto insurance premiums in Spearfish, SD, you can:
- Maintain a good driving record: Avoid accidents and traffic violations.
- Consider a defensive driving course: Completing an approved defensive driving course may qualify you for a discount.
- Review your coverage and deductibles: Assess your coverage needs and adjust them accordingly.
- Ask about available discounts: Inquire with your insurance provider about discounts you may be eligible for.
- Improve your credit score: In some states, insurers use credit information to determine premiums, so maintaining a good credit score can be beneficial.
Can I get auto insurance if I have a bad driving record or past accidents?
Yes, even if you have a bad driving record or past accidents, you can still obtain auto insurance coverage in Spearfish, SD. However, insurance companies may consider you a higher risk and charge you higher premiums. It’s essential to compare quotes from different insurers to find the best coverage options available to you.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.