Compare Saint Charles, SD Car Insurance Rates (2021)

Car insurance in Saint Charles, SD averages $349 a month. Saint Charles, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Saint Charles car insurance rates, compare quotes from the top car insurance companies in Saint Charles, 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 Saint Charles, SD are $4,189/year
  • The cheapest car insurance company in Saint Charles for teen drivers is State Farm
  • The cheapest car insurance company in Saint Charles is State Farm

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

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

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

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

How do age, gender, and marital status affect Saint Charles, SD car insurance rates? Every Saint Charles, 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 Saint Charles, 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 $2,305 $2,312 $2,029 $2,106 $10,141 $10,547 $2,578 $2,760
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 $2,327 $2,310 $1,914 $1,966 $8,039 $9,169 $2,917 $3,039
State Farm $1,650 $1,650 $1,411 $1,411 $3,870 $5,001 $1,842 $2,051

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Minimum Car Insurance in Saint Charles, SD

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

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

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

Annual Car Insurance Rates by Credit Score in Saint Charles, South Dakota

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,228 $3,769 $3,193
Farmers $4,920 $4,146 $3,976
GEICO $5,073 $2,574 $1,745
Liberty Mutual $11,735 $6,997 $5,501
Nationwide $3,363 $2,623 $2,311
Progressive $4,598 $3,793 $3,490
State Farm $3,436 $2,054 $1,592

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

Annual Saint Charles, 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 $3,706 $4,677 $4,562 $4,443
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 $3,422 $4,599 $3,692 $4,128
State Farm $2,225 $2,496 $2,361 $2,361

Cheapest Saint Charles, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Saint Charles, 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 $10,141 $10,547
GEICO $5,030 $5,958
Liberty Mutual $17,102 $19,205
Nationwide $4,202 $5,494
Progressive $8,039 $9,169
State Farm $3,870 $5,001

Cheapest Saint Charles, SD Car Insurance for Seniors

Take a look at Saint Charles, 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 Saint Charles, 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 $2,029 $2,106
GEICO $2,446 $2,254
Liberty Mutual $3,678 $4,471
Nationwide $1,781 $1,918
Progressive $1,914 $1,966
State Farm $1,411 $1,411

Cheapest Saint Charles, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Saint Charles, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $5,591
Farmers $4,562
GEICO $5,254
Liberty Mutual $8,802
Nationwide $4,000
Progressive $3,692
State Farm $2,361

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Cheapest Saint Charles, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Saint Charles, 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 $4,347 $4,347
GEICO $3,094 $3,168
Liberty Mutual $8,078 $8,078
Nationwide $2,766 $2,766
Progressive $3,960 $3,960
State Farm $2,303 $2,419

The Best Cheap Car Insurance Companies in Saint Charles, SD

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

Average Annual Car Insurance Rates by Company in Saint Charles, South Dakota

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,063
Farmers $4,347
GEICO $3,131
Liberty Mutual $8,078
Nationwide $2,766
Progressive $3,960
State Farm $2,361

Category Winners: Cheapest Car Insurance in Saint Charles, South Dakota

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

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

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

Annual Car Insurance Rates by Coverage Level in Saint Charles, South Dakota

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,106 $4,185 $3,899
Farmers $4,188 $4,307 $4,546
GEICO $3,047 $3,128 $3,219
Liberty Mutual $7,947 $8,066 $8,221
Nationwide $2,628 $2,755 $2,914
Progressive $3,881 $3,934 $4,065
State Farm $2,288 $2,362 $2,432

Compare Car Insurance Quotes in Saint Charles, SD

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