Compare Lead, SD Car Insurance Rates (2021)

Car insurance in Lead, SD averages $354 a month. Lead, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lead car insurance rates, compare quotes from the top car insurance companies in Lead, 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

  • The cheapest car insurance company in Lead for teen drivers is State Farm
  • Average car insurance rates in Lead, SD are $4,245/year
  • Average car insurance rates in Lead, SD after a DUI are $5,079/year

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

You’ll find Lead car insurance rates, the cheapest Lead, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Lead, South Dakota car insurance rates to Mitchell car insurance rates, Sioux Falls car insurance rates, and Brookings car insurance rates.

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

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

How do age, gender, and marital status affect Lead, SD car insurance rates? Every Lead, 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 Lead, 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 $2,641 $2,696 $2,329 $2,492 $11,007 $13,158 $2,988 $3,268
American Family $2,671 $2,671 $2,378 $2,378 $5,673 $8,308 $2,671 $3,281
Farmers $2,107 $2,106 $1,853 $1,930 $9,490 $9,844 $2,360 $2,516
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 $2,674 $2,659 $2,199 $2,257 $9,100 $10,391 $3,352 $3,485
State Farm $1,473 $1,473 $1,277 $1,277 $3,759 $4,798 $1,651 $1,868

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Minimum Car Insurance in Lead, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,187 $4,835 $4,195
American Family $4,836 $3,484 $2,941
Farmers $4,548 $3,844 $3,685
GEICO $4,421 $2,244 $1,520
Liberty Mutual $12,534 $7,509 $5,894
Nationwide $3,667 $2,879 $2,531
Progressive $5,251 $4,321 $3,972
State Farm $3,197 $1,912 $1,482

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

Annual Lead, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,196 $4,882 $6,508 $4,704
American Family $2,721 $4,023 $5,158 $3,112
Farmers $3,426 $4,339 $4,232 $4,107
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 $3,902 $5,233 $4,212 $4,711
State Farm $2,049 $2,345 $2,197 $2,197

Cheapest Lead, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,007 $13,158
American Family $5,673 $8,308
Farmers $9,490 $9,844
GEICO $4,505 $5,300
Liberty Mutual $18,627 $20,919
Nationwide $4,690 $6,095
Progressive $9,100 $10,391
State Farm $3,759 $4,798

Cheapest Lead, SD Car Insurance for Seniors

Take a look at Lead, 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 Lead, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,329 $2,492
American Family $2,378 $2,378
Farmers $1,853 $1,930
GEICO $2,090 $1,926
Liberty Mutual $3,854 $4,689
Nationwide $1,922 $2,061
Progressive $2,199 $2,257
State Farm $1,277 $1,277

Cheapest Lead, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,508
American Family $5,158
Farmers $4,232
GEICO $4,551
Liberty Mutual $9,408
Nationwide $4,363
Progressive $4,212
State Farm $2,197

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Cheapest Lead, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,948 $5,197
American Family $3,709 $3,799
Farmers $4,026 $4,026
GEICO $2,695 $2,762
Liberty Mutual $8,645 $8,645
Nationwide $3,026 $3,026
Progressive $4,515 $4,515
State Farm $2,144 $2,250

The Best Cheap Car Insurance Companies in Lead, SD

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

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

Insurance Company Average Annual Rates
Allstate $5,072
American Family $3,754
Farmers $4,026
GEICO $2,728
Liberty Mutual $8,645
Nationwide $3,026
Progressive $4,515
State Farm $2,197

Category Winners: Cheapest Car Insurance in Lead, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,919 $5,063 $5,235
American Family $3,756 $3,859 $3,646
Farmers $3,867 $3,989 $4,221
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,486 $8,632 $8,819
Nationwide $2,847 $3,013 $3,217
Progressive $4,421 $4,483 $4,639
State Farm $2,126 $2,198 $2,267

What affects car insurance rates in Lead, South Dakota?

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

Car Theft in Lead

High levels of vehicle theft can make car insurance more expensive. Lead, SD car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Lead

The more time you spend in your car the higher the risk of an accident. The average commute length in Lead, SD is 14.3 minutes according to City-Data.

Compare Car Insurance Quotes in Lead, SD

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

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