Compare Philip, SD Car Insurance Rates (2021)

Car insurance in Philip, SD averages $379 a month. Philip, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Philip car insurance rates, compare quotes from the top car insurance companies in Philip, SD.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Philip is State Farm
  • Average car insurance rates in Philip, SD after a DUI are $5,518/year
  • The cheapest car insurance company in Philip for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Philip, SD car insurance rates? Every Philip, 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 Philip, 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 $2,268 $2,277 $1,998 $2,072 $9,849 $10,244 $2,532 $2,713
GEICO $3,279 $3,096 $3,153 $2,905 $6,339 $7,536 $2,881 $2,795
Liberty Mutual $5,146 $5,610 $4,059 $4,938 $19,027 $21,372 $5,433 $6,058
Nationwide $2,280 $2,349 $2,031 $2,179 $4,969 $6,458 $2,557 $2,791
Progressive $2,547 $2,532 $2,094 $2,150 $8,706 $9,939 $3,192 $3,322
State Farm $2,035 $2,035 $1,715 $1,715 $4,462 $5,799 $2,264 $2,516

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Minimum Car Insurance in Philip, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,228 $3,769 $3,193
Farmers $4,808 $4,045 $3,880
GEICO $6,479 $3,286 $2,229
Liberty Mutual $13,007 $7,761 $6,098
Nationwide $3,886 $3,046 $2,674
Progressive $5,011 $4,126 $3,794
State Farm $4,103 $2,452 $1,899

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

Annual Philip, 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 $3,621 $4,563 $4,452 $4,340
GEICO $2,501 $4,261 $6,730 $2,501
Liberty Mutual $7,562 $9,343 $9,756 $9,160
Nationwide $2,301 $3,211 $4,618 $2,678
Progressive $3,725 $4,999 $4,021 $4,496
State Farm $2,678 $2,957 $2,818 $2,818

Cheapest Philip, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Philip, 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 $9,849 $10,244
GEICO $6,339 $7,536
Liberty Mutual $19,027 $21,372
Nationwide $4,969 $6,458
Progressive $8,706 $9,939
State Farm $4,462 $5,799

Cheapest Philip, SD Car Insurance for Seniors

Take a look at Philip, 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 Philip, 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 $1,998 $2,072
GEICO $3,153 $2,905
Liberty Mutual $4,059 $4,938
Nationwide $2,031 $2,179
Progressive $2,094 $2,150
State Farm $1,715 $1,715

Cheapest Philip, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $5,591
Farmers $4,452
GEICO $6,730
Liberty Mutual $9,756
Nationwide $4,618
Progressive $4,021
State Farm $2,818

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Cheapest Philip, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Philip, 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 $4,244 $4,244
GEICO $3,952 $4,045
Liberty Mutual $8,955 $8,955
Nationwide $3,202 $3,202
Progressive $4,310 $4,310
State Farm $2,750 $2,885

The Best Cheap Car Insurance Companies in Philip, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,063
Farmers $4,244
GEICO $3,998
Liberty Mutual $8,955
Nationwide $3,202
Progressive $4,310
State Farm $2,818

Category Winners: Cheapest Car Insurance in Philip, South Dakota

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

Best Annual Car Insurance Rates by Company in Philip, South Dakota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record Nationwide
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Philip, SD Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,106 $4,185 $3,899
Farmers $4,094 $4,206 $4,432
GEICO $3,920 $3,995 $4,080
Liberty Mutual $8,801 $8,940 $9,124
Nationwide $3,029 $3,189 $3,388
Progressive $4,219 $4,279 $4,432
State Farm $2,760 $2,818 $2,875

What affects car insurance rates in Philip, South Dakota?

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

Car Theft in Philip

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

Commute Time in Philip

The more time you spend in your car the higher the risk of an accident. The average commute length in Philip, SD is 7.0 minutes according to City-Data.

Compare Car Insurance Quotes in Philip, SD

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