Compare Buffalo, SD Car Insurance Rates (2021)

Car insurance in Buffalo, SD averages $382 a month. Buffalo, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Buffalo car insurance rates, compare quotes from the top car insurance companies in Buffalo, SD.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Buffalo for teen drivers is State Farm
  • The cheapest car insurance company in Buffalo is State Farm
  • Average car insurance rates in Buffalo, SD are $4,578/year

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

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

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

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

How do age, gender, and marital status affect Buffalo, SD car insurance rates? Every Buffalo, 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 Buffalo, 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 $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $2,107 $2,106 $1,853 $1,930 $9,490 $9,844 $2,360 $2,516
GEICO $3,279 $3,096 $3,153 $2,905 $6,339 $7,536 $2,881 $2,795
Liberty Mutual $5,146 $5,610 $4,059 $4,938 $19,027 $21,372 $5,433 $6,058
Nationwide $2,280 $2,349 $2,031 $2,179 $4,969 $6,458 $2,557 $2,791
Progressive $2,668 $2,650 $2,193 $2,253 $9,175 $10,473 $3,346 $3,487
State Farm $2,171 $2,171 $1,840 $1,840 $4,880 $6,333 $2,419 $2,687

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Minimum Car Insurance in Buffalo, SD

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

Minimum Required Car Insurance Coverage in Buffalo, 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 Buffalo, SD Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $5,862 $4,584 $3,978
American Family $5,228 $3,769 $3,193
Farmers $4,548 $3,844 $3,685
GEICO $6,479 $3,286 $2,229
Liberty Mutual $13,007 $7,761 $6,098
Nationwide $3,886 $3,046 $2,674
Progressive $5,264 $4,338 $3,990
State Farm $4,431 $2,647 $2,050

Cheapest Buffalo, 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 Buffalo, SD to rates for a clean record with top companies.

Annual Buffalo, South Dakota Car 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 $2,949 $4,337 $5,591 $3,376
Farmers $3,426 $4,339 $4,232 $4,107
GEICO $2,501 $4,261 $6,730 $2,501
Liberty Mutual $7,562 $9,343 $9,756 $9,160
Nationwide $2,301 $3,211 $4,618 $2,678
Progressive $3,914 $5,259 $4,224 $4,725
State Farm $2,883 $3,202 $3,043 $3,043

Cheapest Buffalo, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,422 $12,452
American Family $6,026 $8,854
Farmers $9,490 $9,844
GEICO $6,339 $7,536
Liberty Mutual $19,027 $21,372
Nationwide $4,969 $6,458
Progressive $9,175 $10,473
State Farm $4,880 $6,333

Cheapest Buffalo, SD Car Insurance for Seniors

Take a look at Buffalo, 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 Buffalo, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,215 $2,370
American Family $2,598 $2,598
Farmers $1,853 $1,930
GEICO $3,153 $2,905
Liberty Mutual $4,059 $4,938
Nationwide $2,031 $2,179
Progressive $2,193 $2,253
State Farm $1,840 $1,840

Cheapest Buffalo, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,160
American Family $5,591
Farmers $4,232
GEICO $6,730
Liberty Mutual $9,756
Nationwide $4,618
Progressive $4,224
State Farm $3,043

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Cheapest Buffalo, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Buffalo, 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 $4,013 $4,113
Farmers $4,026 $4,026
GEICO $3,952 $4,045
Liberty Mutual $8,955 $8,955
Nationwide $3,202 $3,202
Progressive $4,530 $4,530
State Farm $2,969 $3,117

The Best Cheap Car Insurance Companies in Buffalo, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,808
American Family $4,063
Farmers $4,026
GEICO $3,998
Liberty Mutual $8,955
Nationwide $3,202
Progressive $4,530
State Farm $3,043

Category Winners: Cheapest Car Insurance in Buffalo, South Dakota

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

Best Annual Car Insurance Rates by Company in Buffalo, South Dakota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record Nationwide
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Buffalo, SD Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,655 $4,799 $4,970
American Family $4,106 $4,185 $3,899
Farmers $3,867 $3,989 $4,221
GEICO $3,920 $3,995 $4,080
Liberty Mutual $8,801 $8,940 $9,124
Nationwide $3,029 $3,189 $3,388
Progressive $4,441 $4,500 $4,650
State Farm $2,966 $3,044 $3,117

What affects car insurance rates in Buffalo, South Dakota?

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

Commute Time in Buffalo

The more time you spend in your car the higher the risk of an accident. The average commute length in Buffalo, SD is 27.6 minutes according to City-Data.

Traffic in Buffalo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Buffalo, SD traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, SD

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

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