Compare Onida, SD Car Insurance Rates (2021)

Car insurance in Onida, SD averages $339 a month. Onida, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Onida car insurance rates, compare quotes from the top car insurance companies in Onida, 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 Onida is State Farm
  • Average car insurance rates in Onida, SD are $4,073/year
  • The cheapest car insurance company in Onida for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Onida, SD car insurance rates? Every Onida, 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 Onida, 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 $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $1,970 $1,976 $1,736 $1,802 $8,587 $8,926 $2,196 $2,346
GEICO $2,551 $2,406 $2,446 $2,254 $5,030 $5,958 $2,239 $2,163
Liberty Mutual $4,662 $5,082 $3,678 $4,471 $17,102 $19,205 $4,927 $5,496
Nationwide $2,001 $2,068 $1,781 $1,918 $4,202 $5,494 $2,225 $2,436
Progressive $2,082 $2,062 $1,715 $1,761 $7,263 $8,275 $2,606 $2,711
State Farm $1,764 $1,764 $1,500 $1,500 $4,015 $5,210 $1,966 $2,180

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Minimum Car Insurance in Onida, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,228 $3,769 $3,193
Farmers $4,179 $3,521 $3,377
GEICO $5,073 $2,574 $1,745
Liberty Mutual $11,735 $6,997 $5,501
Nationwide $3,363 $2,623 $2,311
Progressive $4,126 $3,411 $3,141
State Farm $3,621 $2,165 $1,677

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

Annual Onida, 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 $2,949 $4,337 $5,591 $3,376
Farmers $3,151 $3,973 $3,876 $3,770
GEICO $1,966 $3,339 $5,254 $1,966
Liberty Mutual $6,826 $8,421 $8,802 $8,262
Nationwide $1,980 $2,773 $4,000 $2,309
Progressive $3,076 $4,138 $3,318 $3,706
State Farm $2,353 $2,622 $2,488 $2,488

Cheapest Onida, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,421 $12,451
American Family $6,026 $8,854
Farmers $8,587 $8,926
GEICO $5,030 $5,958
Liberty Mutual $17,102 $19,205
Nationwide $4,202 $5,494
Progressive $7,263 $8,275
State Farm $4,015 $5,210

Cheapest Onida, SD Car Insurance for Seniors

Take a look at Onida, 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 Onida, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,369
American Family $2,598 $2,598
Farmers $1,736 $1,802
GEICO $2,446 $2,254
Liberty Mutual $3,678 $4,471
Nationwide $1,781 $1,918
Progressive $1,715 $1,761
State Farm $1,500 $1,500

Cheapest Onida, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $5,591
Farmers $3,876
GEICO $5,254
Liberty Mutual $8,802
Nationwide $4,000
Progressive $3,318
State Farm $2,488

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Cheapest Onida, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Onida, 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 $4,013 $4,113
Farmers $3,692 $3,692
GEICO $3,094 $3,168
Liberty Mutual $8,078 $8,078
Nationwide $2,766 $2,766
Progressive $3,559 $3,559
State Farm $2,426 $2,549

The Best Cheap Car Insurance Companies in Onida, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,063
Farmers $3,692
GEICO $3,131
Liberty Mutual $8,078
Nationwide $2,766
Progressive $3,559
State Farm $2,488

Category Winners: Cheapest Car Insurance in Onida, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,106 $4,185 $3,899
Farmers $3,555 $3,659 $3,863
GEICO $3,047 $3,128 $3,219
Liberty Mutual $7,947 $8,066 $8,221
Nationwide $2,628 $2,755 $2,914
Progressive $3,475 $3,531 $3,671
State Farm $2,414 $2,489 $2,559

What affects car insurance rates in Onida, South Dakota?

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

Commute Time in Onida

The more time you spend in your car the higher the risk of an accident. The average commute length in Onida, SD is 10.2 minutes according to City-Data.

Compare Car Insurance Quotes in Onida, SD

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

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