Compare De Smet, SD Car Insurance Rates (2021)

Car insurance in De Smet, SD averages $300 a month. De Smet, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap De Smet car insurance rates, compare quotes from the top car insurance companies in De Smet, 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 De Smet, SD after a DUI are $4,360/year
  • The cheapest car insurance company in De Smet for teen drivers is State Farm
  • The cheapest car insurance company in De Smet is State Farm

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

You’ll find De Smet car insurance rates, the cheapest De Smet, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare De Smet, South Dakota car insurance rates to Spearfish car insurance rates, Sioux Falls car insurance rates, and Box Elder car insurance rates.

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

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

How do age, gender, and marital status affect De Smet, SD car insurance rates? Every De Smet, 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 De Smet, 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 $2,659 $2,659 $2,364 $2,364 $5,616 $8,249 $2,659 $3,266
Farmers $1,801 $1,804 $1,583 $1,651 $8,207 $8,528 $2,014 $2,143
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 $1,744 $1,711 $1,437 $1,486 $6,511 $7,389 $2,182 $2,280
State Farm $1,423 $1,423 $1,226 $1,226 $3,507 $4,497 $1,592 $1,789

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Minimum Car Insurance in De Smet, SD

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

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

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

Annual Car Insurance Rates by Credit Score in De Smet, South Dakota

Insurance Company Poor Fair Good
Allstate $5,530 $4,323 $3,756
American Family $4,802 $3,463 $2,924
Farmers $3,913 $3,311 $3,174
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,750 $5,863 $4,600
Nationwide $3,028 $2,388 $2,096
Progressive $3,556 $2,972 $2,749
State Farm $3,035 $1,815 $1,407

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

Annual De Smet, 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 $2,703 $3,999 $5,125 $3,092
Farmers $2,952 $3,738 $3,647 $3,528
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 $2,665 $3,626 $2,873 $3,206
State Farm $1,953 $2,217 $2,085 $2,085

Cheapest De Smet, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in De Smet, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,744 $11,624
American Family $5,616 $8,249
Farmers $8,207 $8,528
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $3,909 $5,045
Progressive $6,511 $7,389
State Farm $3,507 $4,497

Cheapest De Smet, SD Car Insurance for Seniors

Take a look at De Smet, 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 De Smet, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,111 $2,258
American Family $2,364 $2,364
Farmers $1,583 $1,651
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,592 $1,700
Progressive $1,437 $1,486
State Farm $1,226 $1,226

Cheapest De Smet, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in De Smet, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,806
American Family $5,125
Farmers $3,647
GEICO $4,443
Liberty Mutual $7,325
Nationwide $3,581
Progressive $2,873
State Farm $2,085

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Cheapest De Smet, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in De Smet, 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 $3,684 $3,775
Farmers $3,466 $3,466
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,504 $2,504
Progressive $3,092 $3,092
State Farm $2,035 $2,136

The Best Cheap Car Insurance Companies in De Smet, SD

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

Average Annual Car Insurance Rates by Company in De Smet, South Dakota

Insurance Company Average Annual Rates
Allstate $4,537
American Family $3,730
Farmers $3,466
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,504
Progressive $3,092
State Farm $2,085

Category Winners: Cheapest Car Insurance in De Smet, South Dakota

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

Best Annual Car Insurance Rates by Company in De Smet, 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 De Smet, SD Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in De Smet, South Dakota

Insurance Company Low Medium High
Allstate $4,420 $4,529 $4,661
American Family $3,733 $3,834 $3,621
Farmers $3,309 $3,427 $3,663
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,616 $6,728 $6,869
Nationwide $2,363 $2,493 $2,655
Progressive $3,008 $3,064 $3,205
State Farm $2,019 $2,086 $2,150

What affects car insurance rates in De Smet, South Dakota?

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

Commute Time in De Smet

The more time you spend in your car the higher the risk of an accident. The average commute length in De Smet, SD is 11.6 minutes according to City-Data.

Compare Car Insurance Quotes in De Smet, SD

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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