Compare Long Lake, SD Car Insurance Rates (2021)

Car insurance in Long Lake, SD averages $327 a month. Long Lake, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Long Lake car insurance rates, compare quotes from the top car insurance companies in Long Lake, 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 Long Lake is State Farm
  • Average car insurance rates in Long Lake, SD are $3,923/year
  • The cheapest car insurance company in Long Lake for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Long Lake, SD car insurance rates? Every Long Lake, 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 Long Lake, 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 $2,508 $2,560 $2,214 $2,369 $10,421 $12,451 $2,835 $3,096
American Family $3,184 $3,184 $2,812 $2,812 $6,503 $9,548 $3,184 $3,917
Farmers $1,970 $1,976 $1,736 $1,802 $8,587 $8,926 $2,196 $2,346
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 $2,001 $2,068 $1,781 $1,918 $4,202 $5,494 $2,225 $2,436
Progressive $2,126 $2,103 $1,748 $1,800 $7,508 $8,553 $2,662 $2,777
State Farm $1,392 $1,392 $1,209 $1,209 $3,556 $4,546 $1,560 $1,759

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Minimum Car Insurance in Long Lake, SD

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

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

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

Annual Car Insurance Rates by Credit Score in Long Lake, South Dakota

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,654 $4,074 $3,451
Farmers $4,179 $3,521 $3,377
GEICO $4,316 $2,191 $1,484
Liberty Mutual $10,610 $6,365 $4,999
Nationwide $3,363 $2,623 $2,311
Progressive $4,237 $3,509 $3,233
State Farm $3,023 $1,808 $1,401

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

Annual Long Lake, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,979 $4,630 $6,159 $4,459
American Family $3,192 $4,671 $6,053 $3,655
Farmers $3,151 $3,973 $3,876 $3,770
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $6,181 $7,655 $7,970 $7,493
Nationwide $1,980 $2,773 $4,000 $2,309
Progressive $3,160 $4,262 $3,408 $3,809
State Farm $1,938 $2,218 $2,078 $2,078

Cheapest Long Lake, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Long Lake, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,421 $12,451
American Family $6,503 $9,548
Farmers $8,587 $8,926
GEICO $4,398 $5,174
Liberty Mutual $15,785 $17,718
Nationwide $4,202 $5,494
Progressive $7,508 $8,553
State Farm $3,556 $4,546

Cheapest Long Lake, SD Car Insurance for Seniors

Take a look at Long Lake, 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 Long Lake, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,369
American Family $2,812 $2,812
Farmers $1,736 $1,802
GEICO $2,041 $1,881
Liberty Mutual $3,267 $3,970
Nationwide $1,781 $1,918
Progressive $1,748 $1,800
State Farm $1,209 $1,209

Cheapest Long Lake, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Long Lake, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $6,053
Farmers $3,876
GEICO $4,443
Liberty Mutual $7,970
Nationwide $4,000
Progressive $3,408
State Farm $2,078

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Cheapest Long Lake, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Long Lake, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,689 $4,924
American Family $4,338 $4,448
Farmers $3,692 $3,692
GEICO $2,631 $2,696
Liberty Mutual $7,325 $7,325
Nationwide $2,766 $2,766
Progressive $3,660 $3,660
State Farm $2,027 $2,128

The Best Cheap Car Insurance Companies in Long Lake, SD

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

Average Annual Car Insurance Rates by Company in Long Lake, South Dakota

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,393
Farmers $3,692
GEICO $2,664
Liberty Mutual $7,325
Nationwide $2,766
Progressive $3,660
State Farm $2,078

Category Winners: Cheapest Car Insurance in Long Lake, South Dakota

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

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

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

Annual Car Insurance Rates by Coverage Level in Long Lake, South Dakota

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,448 $4,526 $4,204
Farmers $3,555 $3,659 $3,863
GEICO $2,584 $2,660 $2,746
Liberty Mutual $7,201 $7,317 $7,456
Nationwide $2,628 $2,755 $2,914
Progressive $3,577 $3,631 $3,771
State Farm $2,004 $2,079 $2,150

What affects car insurance rates in Long Lake, South Dakota?

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

Commute Time in Long Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Long Lake, SD is 22.3 minutes according to City-Data.

Compare Car Insurance Quotes in Long Lake, SD

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

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