Compare Hot Springs, SD Car Insurance Rates (2021)

Car insurance in Hot Springs, SD averages $361 a month. Hot Springs, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hot Springs car insurance rates, compare quotes from the top car insurance companies in Hot Springs, SD.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Hot Springs, SD are $4,335/year
  • The cheapest car insurance company in Hot Springs for teen drivers is State Farm
  • The cheapest car insurance company in Hot Springs is State Farm

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

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

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

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

How do age, gender, and marital status affect Hot Springs, SD car insurance rates? Every Hot Springs, 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 Hot Springs, 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 $2,613 $2,665 $2,307 $2,468 $10,950 $13,101 $2,952 $3,228
American Family $2,671 $2,671 $2,378 $2,378 $5,673 $8,308 $2,671 $3,281
Farmers $2,432 $2,440 $2,140 $2,226 $10,882 $11,320 $2,717 $2,897
GEICO $2,189 $2,062 $2,090 $1,926 $4,505 $5,300 $1,919 $1,836
Liberty Mutual $5,146 $5,610 $4,059 $4,938 $19,027 $21,372 $5,433 $6,058
Nationwide $2,157 $2,221 $1,922 $2,061 $4,690 $6,095 $2,419 $2,640
Progressive $2,654 $2,635 $2,181 $2,242 $9,130 $10,424 $3,323 $3,459
State Farm $1,375 $1,375 $1,190 $1,190 $3,484 $4,449 $1,540 $1,742

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Minimum Car Insurance in Hot Springs, SD

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

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

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

Annual Car Insurance Rates by Credit Score in Hot Springs, South Dakota

Insurance Company Poor Fair Good
Allstate $6,140 $4,801 $4,165
American Family $4,836 $3,484 $2,941
Farmers $5,235 $4,421 $4,239
GEICO $4,421 $2,244 $1,520
Liberty Mutual $13,007 $7,761 $6,098
Nationwide $3,667 $2,879 $2,531
Progressive $5,234 $4,315 $3,969
State Farm $2,973 $1,778 $1,378

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

Annual Hot Springs, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,161 $4,844 $6,467 $4,670
American Family $2,721 $4,023 $5,158 $3,112
Farmers $3,949 $4,990 $4,868 $4,720
GEICO $1,725 $2,913 $4,551 $1,725
Liberty Mutual $7,562 $9,343 $9,756 $9,160
Nationwide $2,174 $3,034 $4,363 $2,531
Progressive $3,893 $5,230 $4,202 $4,699
State Farm $1,907 $2,179 $2,043 $2,043

Cheapest Hot Springs, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hot Springs, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,950 $13,101
American Family $5,673 $8,308
Farmers $10,882 $11,320
GEICO $4,505 $5,300
Liberty Mutual $19,027 $21,372
Nationwide $4,690 $6,095
Progressive $9,130 $10,424
State Farm $3,484 $4,449

Cheapest Hot Springs, SD Car Insurance for Seniors

Take a look at Hot Springs, 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 Hot Springs, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,307 $2,468
American Family $2,378 $2,378
Farmers $2,140 $2,226
GEICO $2,090 $1,926
Liberty Mutual $4,059 $4,938
Nationwide $1,922 $2,061
Progressive $2,181 $2,242
State Farm $1,190 $1,190

Cheapest Hot Springs, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hot Springs, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,467
American Family $5,158
Farmers $4,868
GEICO $4,551
Liberty Mutual $9,756
Nationwide $4,363
Progressive $4,202
State Farm $2,043

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Cheapest Hot Springs, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hot Springs, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,912 $5,159
American Family $3,709 $3,799
Farmers $4,632 $4,632
GEICO $2,695 $2,762
Liberty Mutual $8,955 $8,955
Nationwide $3,026 $3,026
Progressive $4,506 $4,506
State Farm $1,994 $2,092

The Best Cheap Car Insurance Companies in Hot Springs, SD

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

Average Annual Car Insurance Rates by Company in Hot Springs, South Dakota

Insurance Company Average Annual Rates
Allstate $5,035
American Family $3,754
Farmers $4,632
GEICO $2,728
Liberty Mutual $8,955
Nationwide $3,026
Progressive $4,506
State Farm $2,043

Category Winners: Cheapest Car Insurance in Hot Springs, South Dakota

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

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

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

Annual Car Insurance Rates by Coverage Level in Hot Springs, South Dakota

Insurance Company Low Medium High
Allstate $4,882 $5,026 $5,198
American Family $3,756 $3,859 $3,646
Farmers $4,435 $4,582 $4,877
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,801 $8,940 $9,124
Nationwide $2,847 $3,013 $3,217
Progressive $4,396 $4,466 $4,656
State Farm $1,978 $2,044 $2,107

What affects car insurance rates in Hot Springs, South Dakota?

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

Car Theft in Hot Springs

High levels of vehicle theft can make car insurance more expensive. Hot Springs, SD car theft statistics from the FBI indicate 7 vehicle thefts a year.

Commute Time in Hot Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Hot Springs, SD is 15.2 minutes according to City-Data.

Compare Car Insurance Quotes in Hot Springs, SD

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

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