Compare Clear Lake, SD Car Insurance Rates (2021)

Car insurance in Clear Lake, SD averages $307 a month. Clear Lake, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Clear Lake car insurance rates, compare quotes from the top car insurance companies in Clear Lake, 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

  • Average car insurance rates in Clear Lake, SD after a DUI are $4,473/year
  • Average car insurance rates in Clear Lake, SD are $3,683/year
  • The cheapest car insurance company in Clear Lake for teen drivers is State Farm

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

You’ll find Clear Lake car insurance rates, the cheapest Clear Lake, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Clear Lake, South Dakota car insurance rates to Mitchell car insurance rates, Pierre car insurance rates, and Brookings car insurance rates.

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

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

How do age, gender, and marital status affect Clear Lake, SD car insurance rates? Every Clear Lake, 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 Clear Lake, 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 $2,398 $2,454 $2,111 $2,258 $9,744 $11,624 $2,721 $2,983
American Family $3,184 $3,184 $2,812 $2,812 $6,503 $9,548 $3,184 $3,917
Farmers $1,786 $1,790 $1,572 $1,635 $7,954 $8,265 $1,996 $2,129
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,762 $4,088 $2,968 $3,605 $14,670 $16,464 $3,950 $4,394
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $1,809 $1,781 $1,490 $1,537 $6,600 $7,498 $2,265 $2,365
State Farm $1,390 $1,390 $1,206 $1,206 $3,540 $4,524 $1,558 $1,758

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Minimum Car Insurance in Clear Lake, SD

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

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

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

Annual Car Insurance Rates by Credit Score in Clear Lake, South Dakota

Insurance Company Poor Fair Good
Allstate $5,530 $4,323 $3,756
American Family $5,654 $4,074 $3,451
Farmers $3,834 $3,236 $3,103
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,750 $5,863 $4,600
Nationwide $3,028 $2,388 $2,096
Progressive $3,653 $3,042 $2,809
State Farm $3,014 $1,803 $1,397

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

Annual Clear Lake, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,765 $4,366 $5,806 $4,210
American Family $3,192 $4,671 $6,053 $3,655
Farmers $2,890 $3,652 $3,563 $3,458
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,678 $7,052 $7,325 $6,894
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $2,732 $3,704 $2,946 $3,289
State Farm $1,932 $2,210 $2,071 $2,071

Cheapest Clear Lake, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Clear Lake, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,744 $11,624
American Family $6,503 $9,548
Farmers $7,954 $8,265
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $3,909 $5,045
Progressive $6,600 $7,498
State Farm $3,540 $4,524

Cheapest Clear Lake, SD Car Insurance for Seniors

Take a look at Clear Lake, 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 Clear Lake, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,111 $2,258
American Family $2,812 $2,812
Farmers $1,572 $1,635
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,592 $1,700
Progressive $1,490 $1,537
State Farm $1,206 $1,206

Cheapest Clear Lake, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Clear Lake, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,806
American Family $6,053
Farmers $3,563
GEICO $4,443
Liberty Mutual $7,325
Nationwide $3,581
Progressive $2,946
State Farm $2,071

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Cheapest Clear Lake, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Clear Lake, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,426 $4,647
American Family $4,338 $4,448
Farmers $3,391 $3,391
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,504 $2,504
Progressive $3,168 $3,168
State Farm $2,021 $2,122

The Best Cheap Car Insurance Companies in Clear Lake, SD

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

Average Annual Car Insurance Rates by Company in Clear Lake, South Dakota

Insurance Company Average Annual Rates
Allstate $4,537
American Family $4,393
Farmers $3,391
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,504
Progressive $3,168
State Farm $2,071

Category Winners: Cheapest Car Insurance in Clear Lake, South Dakota

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

Best Annual Car Insurance Rates by Company in Clear Lake, 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 Clear Lake, SD Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Clear Lake, South Dakota

Insurance Company Low Medium High
Allstate $4,420 $4,529 $4,661
American Family $4,448 $4,526 $4,204
Farmers $3,253 $3,357 $3,562
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,616 $6,728 $6,869
Nationwide $2,363 $2,493 $2,655
Progressive $3,093 $3,144 $3,266
State Farm $2,000 $2,073 $2,141

What affects car insurance rates in Clear Lake, South Dakota?

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

Commute Time in Clear Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Clear Lake, SD is 15.7 minutes according to City-Data.

Compare Car Insurance Quotes in Clear Lake, SD

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

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