Compare Groton, SD Car Insurance Rates (2021)

Car insurance in Groton, SD averages $312 a month. Groton, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Groton car insurance rates, compare quotes from the top car insurance companies in Groton, 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 Groton is State Farm
  • The cheapest car insurance company in Groton for teen drivers is State Farm
  • Average car insurance rates in Groton, SD after a DUI are $4,539/year

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

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

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

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

How do age, gender, and marital status affect Groton, SD car insurance rates? Every Groton, 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 Groton, 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 $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 $4,141 $4,504 $3,267 $3,970 $15,785 $17,718 $4,360 $4,853
Nationwide $1,657 $1,702 $1,483 $1,583 $3,593 $4,641 $1,857 $2,019
Progressive $1,703 $1,664 $1,406 $1,454 $6,546 $7,418 $2,132 $2,234
State Farm $1,383 $1,383 $1,201 $1,201 $3,528 $4,512 $1,550 $1,745

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Minimum Car Insurance in Groton, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,773 $4,511 $3,916
American Family $5,654 $4,074 $3,451
Farmers $3,834 $3,236 $3,103
GEICO $4,316 $2,191 $1,484
Liberty Mutual $10,610 $6,365 $4,999
Nationwide $2,800 $2,209 $1,942
Progressive $3,516 $2,954 $2,738
State Farm $3,002 $1,796 $1,392

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

Annual Groton, 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 $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 $6,181 $7,655 $7,970 $7,493
Nationwide $1,684 $2,324 $3,312 $1,949
Progressive $2,642 $3,613 $2,847 $3,176
State Farm $1,924 $2,202 $2,063 $2,063

Cheapest Groton, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,236 $12,228
American Family $6,503 $9,548
Farmers $7,954 $8,265
GEICO $4,398 $5,174
Liberty Mutual $15,785 $17,718
Nationwide $3,593 $4,641
Progressive $6,546 $7,418
State Farm $3,528 $4,512

Cheapest Groton, SD Car Insurance for Seniors

Take a look at Groton, 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 Groton, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,186 $2,339
American Family $2,812 $2,812
Farmers $1,572 $1,635
GEICO $2,041 $1,881
Liberty Mutual $3,267 $3,970
Nationwide $1,483 $1,583
Progressive $1,406 $1,454
State Farm $1,201 $1,201

Cheapest Groton, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,063
American Family $6,053
Farmers $3,563
GEICO $4,443
Liberty Mutual $7,970
Nationwide $3,312
Progressive $2,847
State Farm $2,063

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Cheapest Groton, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Groton, 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 $4,338 $4,448
Farmers $3,391 $3,391
GEICO $2,631 $2,696
Liberty Mutual $7,325 $7,325
Nationwide $2,317 $2,317
Progressive $3,070 $3,070
State Farm $2,012 $2,114

The Best Cheap Car Insurance Companies in Groton, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,733
American Family $4,393
Farmers $3,391
GEICO $2,664
Liberty Mutual $7,325
Nationwide $2,317
Progressive $3,070
State Farm $2,063

Category Winners: Cheapest Car Insurance in Groton, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,581 $4,724 $4,895
American Family $4,448 $4,526 $4,204
Farmers $3,253 $3,357 $3,562
GEICO $2,584 $2,660 $2,746
Liberty Mutual $7,201 $7,317 $7,456
Nationwide $2,184 $2,307 $2,461
Progressive $2,987 $3,043 $3,178
State Farm $1,988 $2,064 $2,137

What affects car insurance rates in Groton, South Dakota?

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

Commute Time in Groton

The more time you spend in your car the higher the risk of an accident. The average commute length in Groton, SD is 18.4 minutes according to City-Data.

Compare Car Insurance Quotes in Groton, SD

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

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