Compare Aberdeen, SD Car Insurance Rates (2021)

Car insurance in Aberdeen, SD averages $304 a month. Aberdeen, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Aberdeen car insurance rates, compare quotes from the top car insurance companies in Aberdeen, SD.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Aberdeen is State Farm
  • Average car insurance rates in Aberdeen, SD after a DUI are $4,415/year
  • Average car insurance rates in Aberdeen, SD are $3,644/year

If you need to buy Aberdeen, South Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Aberdeen, SD is right here.

You’ll find Aberdeen car insurance rates, the cheapest Aberdeen, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Aberdeen, South Dakota car insurance rates to Aberdeen car insurance rates, Sioux Falls car insurance rates, and Vermillion car insurance rates.

Ready to find affordable Aberdeen, SD car insurance today? Enter your ZIP code for fast, free Aberdeen car insurance quotes.

Cheapest Aberdeen, SD Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Aberdeen, SD car insurance rates? Every Aberdeen, South Dakota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Aberdeen, 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 $2,478 $2,531 $2,186 $2,339 $10,236 $12,228 $2,804 $3,066
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $1,763 $1,766 $1,550 $1,615 $8,037 $8,355 $1,973 $2,101
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,730 $4,048 $2,943 $3,576 $14,914 $16,736 $3,908 $4,339
Nationwide $1,665 $1,704 $1,493 $1,587 $3,713 $4,767 $1,879 $2,036
Progressive $1,722 $1,681 $1,421 $1,471 $6,640 $7,525 $2,155 $2,258
State Farm $1,370 $1,370 $1,193 $1,193 $3,541 $4,523 $1,537 $1,733

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Minimum Car Insurance in Aberdeen, SD

Every driver must carry the minimum car insurance in Aberdeen, SD. Take a look at the South Dakota car insurance requirements.

Minimum Required Car Insurance Coverage in Aberdeen, 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

Cheapest Aberdeen, SD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Aberdeen, SD. Compare credit history car insurance rates in Aberdeen from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Aberdeen, South Dakota

Insurance Company Poor Fair Good
Allstate $5,773 $4,511 $3,916
American Family $5,228 $3,769 $3,193
Farmers $3,833 $3,244 $3,109
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,783 $5,908 $4,632
Nationwide $2,839 $2,252 $1,976
Progressive $3,560 $2,993 $2,775
State Farm $2,994 $1,791 $1,388

Cheapest Aberdeen, SD Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Aberdeen, SD to rates for a clean record with top companies.

Annual Aberdeen, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,920 $4,560 $6,063 $4,390
American Family $2,949 $4,337 $5,591 $3,376
Farmers $2,892 $3,661 $3,571 $3,457
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,704 $7,102 $7,358 $6,932
Nationwide $1,721 $2,363 $3,352 $1,986
Progressive $2,675 $3,661 $2,884 $3,216
State Farm $1,916 $2,199 $2,058 $2,058

Cheapest Aberdeen, SD Car Insurance for Teen Drivers

Teen car insurance in Aberdeen, SD can be expensive. Take a look at rates from the top car insurance companies in Aberdeen for teenagers.

Annual Car Insurance Rates for Teen Drivers in Aberdeen, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,236 $12,228
American Family $6,026 $8,854
Farmers $8,037 $8,355
GEICO $4,398 $5,174
Liberty Mutual $14,914 $16,736
Nationwide $3,713 $4,767
Progressive $6,640 $7,525
State Farm $3,541 $4,523

Cheapest Aberdeen, SD Car Insurance for Seniors

Take a look at Aberdeen, SD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Aberdeen, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,186 $2,339
American Family $2,598 $2,598
Farmers $1,550 $1,615
GEICO $2,041 $1,881
Liberty Mutual $2,943 $3,576
Nationwide $1,493 $1,587
Progressive $1,421 $1,471
State Farm $1,193 $1,193

Cheapest Aberdeen, SD Car Insurance Rates After a DUI

A DUI in Aberdeen, SD increases car insurance rates. Compare Aberdeen, South Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Aberdeen, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,063
American Family $5,591
Farmers $3,571
GEICO $4,443
Liberty Mutual $7,358
Nationwide $3,352
Progressive $2,884
State Farm $2,058

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Cheapest Aberdeen, SD Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Aberdeen, SD by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Aberdeen, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,618 $4,849
American Family $4,013 $4,113
Farmers $3,395 $3,395
GEICO $2,631 $2,696
Liberty Mutual $6,774 $6,774
Nationwide $2,355 $2,355
Progressive $3,109 $3,109
State Farm $2,007 $2,108

The Best Cheap Car Insurance Companies in Aberdeen, SD

Take a look at a side-by-side comparison of the top car insurance companies in Aberdeen, SD to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Aberdeen, South Dakota

Insurance Company Average Annual Rates
Allstate $4,733
American Family $4,063
Farmers $3,395
GEICO $2,664
Liberty Mutual $6,774
Nationwide $2,355
Progressive $3,109
State Farm $2,058

Category Winners: Cheapest Car Insurance in Aberdeen, South Dakota

Find the cheapest car insurance companies in Aberdeen, SD for each category right here.

Best Annual Car Insurance Rates by Company in Aberdeen, 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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Cheapest Aberdeen, SD Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Aberdeen car insurance rates. Find the cheapest Aberdeen, SD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Aberdeen, South Dakota

Insurance Company Low Medium High
Allstate $4,581 $4,724 $4,895
American Family $4,106 $4,185 $3,899
Farmers $3,243 $3,357 $3,586
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,651 $6,768 $6,904
Nationwide $2,208 $2,344 $2,514
Progressive $3,018 $3,079 $3,230
State Farm $1,980 $2,059 $2,133

What affects car insurance rates in Aberdeen, South Dakota?

What factors can have an impact on Aberdeen, SD car insurance? There are several reasons why Aberdeen car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Aberdeen, South Dakota.

Car Theft in Aberdeen

High levels of vehicle theft can make car insurance more expensive. Aberdeen, SD car theft statistics from the FBI indicate 35 vehicle thefts a year.

Commute Time in Aberdeen

The more time you spend in your car the higher the risk of an accident. The average commute length in Aberdeen, SD is 10.9 minutes according to City-Data.

Traffic in Aberdeen

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Aberdeen, SD traffic data from INRIX ranks Aberdeen as the 278th-most congested in the world.

Compare Car Insurance Quotes in Aberdeen, SD

Ready to find affordable Aberdeen, South Dakota car insurance today? Enter your ZIP code for fast, free Aberdeen, SD car insurance quotes.

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