Compare Keystone, SD Car Insurance Rates (2021)

Car insurance in Keystone, SD averages $350 a month. Keystone, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Keystone car insurance rates, compare quotes from the top car insurance companies in Keystone, 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 Keystone is State Farm
  • Average car insurance rates in Keystone, SD after a DUI are $5,027/year
  • The cheapest car insurance company in Keystone for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Keystone, SD car insurance rates? Every Keystone, 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 Keystone, 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 $2,537 $2,592 $2,237 $2,394 $10,479 $12,509 $2,871 $3,138
American Family $2,671 $2,671 $2,378 $2,378 $5,673 $8,308 $2,671 $3,281
Farmers $2,112 $2,123 $1,862 $1,933 $9,152 $9,526 $2,346 $2,502
GEICO $2,189 $2,062 $2,090 $1,926 $4,505 $5,300 $1,919 $1,836
Liberty Mutual $4,886 $5,320 $3,854 $4,689 $18,627 $20,919 $5,142 $5,726
Nationwide $2,157 $2,221 $1,922 $2,061 $4,690 $6,095 $2,419 $2,640
Progressive $2,649 $2,625 $2,179 $2,242 $9,247 $10,545 $3,319 $3,455
State Farm $1,431 $1,431 $1,249 $1,249 $3,765 $4,795 $1,606 $1,820

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Minimum Car Insurance in Keystone, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,908 $4,618 $4,008
American Family $4,836 $3,484 $2,941
Farmers $4,465 $3,760 $3,608
GEICO $4,421 $2,244 $1,520
Liberty Mutual $12,534 $7,509 $5,894
Nationwide $3,667 $2,879 $2,531
Progressive $5,255 $4,343 $3,999
State Farm $3,156 $1,887 $1,462

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

Annual Keystone, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,015 $4,669 $6,200 $4,494
American Family $2,721 $4,023 $5,158 $3,112
Farmers $3,373 $4,245 $4,141 $4,020
GEICO $1,725 $2,913 $4,551 $1,725
Liberty Mutual $7,291 $9,038 $9,408 $8,844
Nationwide $2,174 $3,034 $4,363 $2,531
Progressive $3,913 $5,272 $4,224 $4,722
State Farm $2,015 $2,322 $2,168 $2,168

Cheapest Keystone, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,479 $12,509
American Family $5,673 $8,308
Farmers $9,152 $9,526
GEICO $4,505 $5,300
Liberty Mutual $18,627 $20,919
Nationwide $4,690 $6,095
Progressive $9,247 $10,545
State Farm $3,765 $4,795

Cheapest Keystone, SD Car Insurance for Seniors

Take a look at Keystone, 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 Keystone, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,237 $2,394
American Family $2,378 $2,378
Farmers $1,862 $1,933
GEICO $2,090 $1,926
Liberty Mutual $3,854 $4,689
Nationwide $1,922 $2,061
Progressive $2,179 $2,242
State Farm $1,249 $1,249

Cheapest Keystone, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,200
American Family $5,158
Farmers $4,141
GEICO $4,551
Liberty Mutual $9,408
Nationwide $4,363
Progressive $4,224
State Farm $2,168

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Cheapest Keystone, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,726 $4,963
American Family $3,709 $3,799
Farmers $3,945 $3,945
GEICO $2,695 $2,762
Liberty Mutual $8,645 $8,645
Nationwide $3,026 $3,026
Progressive $4,533 $4,533
State Farm $2,116 $2,221

The Best Cheap Car Insurance Companies in Keystone, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,845
American Family $3,754
Farmers $3,945
GEICO $2,728
Liberty Mutual $8,645
Nationwide $3,026
Progressive $4,533
State Farm $2,168

Category Winners: Cheapest Car Insurance in Keystone, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,692 $4,836 $5,007
American Family $3,756 $3,859 $3,646
Farmers $3,784 $3,905 $4,145
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,486 $8,632 $8,819
Nationwide $2,847 $3,013 $3,217
Progressive $4,425 $4,496 $4,678
State Farm $2,089 $2,170 $2,246

What affects car insurance rates in Keystone, South Dakota?

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

Commute Time in Keystone

The more time you spend in your car the higher the risk of an accident. The average commute length in Keystone, SD is 16.0 minutes according to City-Data.

Compare Car Insurance Quotes in Keystone, SD

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

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

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