Compare Hartford, SD Car Insurance Rates (2021)

Car insurance in Hartford, SD averages $306 a month. Hartford, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hartford car insurance rates, compare quotes from the top car insurance companies in Hartford, 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 Hartford, SD are $3,676/year
  • The cheapest car insurance company in Hartford for teen drivers is State Farm
  • Average car insurance rates in Hartford, SD after a DUI are $4,436/year

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

You’ll find Hartford car insurance rates, the cheapest Hartford, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Hartford, South Dakota car insurance rates to Box Elder car insurance rates, Aberdeen car insurance rates, and Huron car insurance rates.

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

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

How do age, gender, and marital status affect Hartford, SD car insurance rates? Every Hartford, 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 Hartford, 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 $2,428 $2,484 $2,139 $2,288 $9,928 $11,847 $2,752 $3,013
American Family $2,659 $2,659 $2,364 $2,364 $5,616 $8,249 $2,659 $3,266
Farmers $1,719 $1,719 $1,508 $1,580 $8,293 $8,618 $1,932 $2,045
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,714 $4,036 $2,932 $3,564 $14,576 $16,365 $3,894 $4,327
Nationwide $1,816 $1,855 $1,629 $1,729 $4,112 $5,269 $2,058 $2,227
Progressive $1,922 $1,875 $1,587 $1,642 $7,396 $8,385 $2,402 $2,511
State Farm $1,500 $1,500 $1,306 $1,306 $3,877 $4,952 $1,683 $1,898

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Minimum Car Insurance in Hartford, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,617 $4,396 $3,817
American Family $4,802 $3,463 $2,924
Farmers $3,855 $3,282 $3,143
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,651 $5,814 $4,562
Nationwide $3,114 $2,476 $2,170
Progressive $3,967 $3,336 $3,093
State Farm $3,279 $1,960 $1,519

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

Annual Hartford, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,824 $4,437 $5,901 $4,278
American Family $2,703 $3,999 $5,125 $3,092
Farmers $2,912 $3,706 $3,615 $3,474
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,624 $6,994 $7,255 $6,830
Nationwide $1,891 $2,595 $3,680 $2,182
Progressive $2,981 $4,080 $3,216 $3,583
State Farm $2,098 $2,408 $2,253 $2,253

Cheapest Hartford, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,928 $11,847
American Family $5,616 $8,249
Farmers $8,293 $8,618
GEICO $4,398 $5,174
Liberty Mutual $14,576 $16,365
Nationwide $4,112 $5,269
Progressive $7,396 $8,385
State Farm $3,877 $4,952

Cheapest Hartford, SD Car Insurance for Seniors

Take a look at Hartford, 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 Hartford, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,139 $2,288
American Family $2,364 $2,364
Farmers $1,508 $1,580
GEICO $2,041 $1,881
Liberty Mutual $2,932 $3,564
Nationwide $1,629 $1,729
Progressive $1,587 $1,642
State Farm $1,306 $1,306

Cheapest Hartford, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,901
American Family $5,125
Farmers $3,615
GEICO $4,443
Liberty Mutual $7,255
Nationwide $3,680
Progressive $3,216
State Farm $2,253

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Cheapest Hartford, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,497 $4,723
American Family $3,684 $3,775
Farmers $3,427 $3,427
GEICO $2,631 $2,696
Liberty Mutual $6,676 $6,676
Nationwide $2,587 $2,587
Progressive $3,465 $3,465
State Farm $2,197 $2,308

The Best Cheap Car Insurance Companies in Hartford, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,610
American Family $3,730
Farmers $3,427
GEICO $2,664
Liberty Mutual $6,676
Nationwide $2,587
Progressive $3,465
State Farm $2,253

Category Winners: Cheapest Car Insurance in Hartford, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,493 $4,603 $4,734
American Family $3,733 $3,834 $3,621
Farmers $3,238 $3,379 $3,664
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,547 $6,666 $6,815
Nationwide $2,411 $2,573 $2,776
Progressive $3,347 $3,424 $3,624
State Farm $2,170 $2,255 $2,334

What affects car insurance rates in Hartford, South Dakota?

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

Commute Time in Hartford

The more time you spend in your car the higher the risk of an accident. The average commute length in Hartford, SD is 21.7 minutes according to City-Data.

Traffic in Hartford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hartford, SD traffic data from INRIX ranks Hartford as the 292nd-most congested in the world.

Compare Car Insurance Quotes in Hartford, SD

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

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