Compare Onaka, SD Car Insurance Rates (2021)

Car insurance in Onaka, SD averages $321 a month. Onaka, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Onaka car insurance rates, compare quotes from the top car insurance companies in Onaka, 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 Onaka for teen drivers is State Farm
  • Average car insurance rates in Onaka, SD are $3,854/year
  • Average car insurance rates in Onaka, SD after a DUI are $4,673/year

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

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

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

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

How do age, gender, and marital status affect Onaka, SD car insurance rates? Every Onaka, 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 Onaka, 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 $2,022 $2,029 $1,782 $1,848 $8,736 $9,084 $2,251 $2,406
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,762 $4,088 $2,968 $3,605 $14,670 $16,464 $3,950 $4,394
Nationwide $2,001 $2,068 $1,781 $1,918 $4,202 $5,494 $2,225 $2,436
Progressive $2,104 $2,082 $1,733 $1,782 $7,414 $8,444 $2,635 $2,744
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 Onaka, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,654 $4,074 $3,451
Farmers $4,269 $3,593 $3,447
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,750 $5,863 $4,600
Nationwide $3,363 $2,623 $2,311
Progressive $4,188 $3,468 $3,196
State Farm $3,023 $1,808 $1,401

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

Annual Onaka, 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 $3,220 $4,055 $3,955 $3,850
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,678 $7,052 $7,325 $6,894
Nationwide $1,980 $2,773 $4,000 $2,309
Progressive $3,124 $4,211 $3,370 $3,764
State Farm $1,938 $2,218 $2,078 $2,078

Cheapest Onaka, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Onaka, 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 $8,736 $9,084
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $4,202 $5,494
Progressive $7,414 $8,444
State Farm $3,556 $4,546

Cheapest Onaka, SD Car Insurance for Seniors

Take a look at Onaka, 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 Onaka, 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 $1,782 $1,848
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,781 $1,918
Progressive $1,733 $1,782
State Farm $1,209 $1,209

Cheapest Onaka, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $6,053
Farmers $3,955
GEICO $4,443
Liberty Mutual $7,325
Nationwide $4,000
Progressive $3,370
State Farm $2,078

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Cheapest Onaka, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Onaka, 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 $3,770 $3,770
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,766 $2,766
Progressive $3,617 $3,617
State Farm $2,027 $2,128

The Best Cheap Car Insurance Companies in Onaka, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,393
Farmers $3,770
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,766
Progressive $3,617
State Farm $2,078

Category Winners: Cheapest Car Insurance in Onaka, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,448 $4,526 $4,204
Farmers $3,632 $3,737 $3,941
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,616 $6,728 $6,869
Nationwide $2,628 $2,755 $2,914
Progressive $3,533 $3,589 $3,729
State Farm $2,004 $2,079 $2,150

Compare Car Insurance Quotes in Onaka, SD

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