Compare Oelrichs, SD Car Insurance Rates (2021)

Car insurance in Oelrichs, SD averages $366 a month. Oelrichs, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oelrichs car insurance rates, compare quotes from the top car insurance companies in Oelrichs, 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 Oelrichs, SD are $4,387/year
  • The cheapest car insurance company in Oelrichs for teen drivers is State Farm
  • The cheapest car insurance company in Oelrichs is State Farm

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

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

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

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

How do age, gender, and marital status affect Oelrichs, SD car insurance rates? Every Oelrichs, 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 Oelrichs, 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 $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
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 $2,647 $2,629 $2,174 $2,236 $9,089 $10,378 $3,314 $3,449
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 Oelrichs, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,140 $4,801 $4,165
American Family $5,228 $3,769 $3,193
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 $5,217 $4,299 $3,953
State Farm $3,156 $1,887 $1,462

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

Annual Oelrichs, 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 $2,949 $4,337 $5,591 $3,376
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 $3,879 $5,210 $4,188 $4,682
State Farm $2,015 $2,322 $2,168 $2,168

Cheapest Oelrichs, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,950 $13,101
American Family $6,026 $8,854
Farmers $10,882 $11,320
GEICO $4,505 $5,300
Liberty Mutual $19,027 $21,372
Nationwide $4,690 $6,095
Progressive $9,089 $10,378
State Farm $3,765 $4,795

Cheapest Oelrichs, SD Car Insurance for Seniors

Take a look at Oelrichs, 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 Oelrichs, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,307 $2,468
American Family $2,598 $2,598
Farmers $2,140 $2,226
GEICO $2,090 $1,926
Liberty Mutual $4,059 $4,938
Nationwide $1,922 $2,061
Progressive $2,174 $2,236
State Farm $1,249 $1,249

Cheapest Oelrichs, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,467
American Family $5,591
Farmers $4,868
GEICO $4,551
Liberty Mutual $9,756
Nationwide $4,363
Progressive $4,188
State Farm $2,168

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Cheapest Oelrichs, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oelrichs, 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 $4,013 $4,113
Farmers $4,632 $4,632
GEICO $2,695 $2,762
Liberty Mutual $8,955 $8,955
Nationwide $3,026 $3,026
Progressive $4,490 $4,490
State Farm $2,116 $2,221

The Best Cheap Car Insurance Companies in Oelrichs, SD

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

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

Insurance Company Average Annual Rates
Allstate $5,035
American Family $4,063
Farmers $4,632
GEICO $2,728
Liberty Mutual $8,955
Nationwide $3,026
Progressive $4,490
State Farm $2,168

Category Winners: Cheapest Car Insurance in Oelrichs, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,882 $5,026 $5,198
American Family $4,106 $4,185 $3,899
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 $4,379 $4,449 $4,640
State Farm $2,089 $2,170 $2,246

What affects car insurance rates in Oelrichs, South Dakota?

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

Commute Time in Oelrichs

The more time you spend in your car the higher the risk of an accident. The average commute length in Oelrichs, SD is 25.4 minutes according to City-Data.

Compare Car Insurance Quotes in Oelrichs, SD

Ready to find affordable Oelrichs, South Dakota car insurance today? Enter your ZIP code for fast, free Oelrichs, 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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