Compare Scotland, SD Car Insurance Rates (2021)

Car insurance in Scotland, SD averages $310 a month. Scotland, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Scotland car insurance rates, compare quotes from the top car insurance companies in Scotland, 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 Scotland for teen drivers is State Farm
  • Average car insurance rates in Scotland, SD are $3,718/year
  • Average car insurance rates in Scotland, SD after a DUI are $4,491/year

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

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

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

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

How do age, gender, and marital status affect Scotland, SD car insurance rates? Every Scotland, 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 Scotland, 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 $2,448 $2,504 $2,157 $2,307 $10,029 $11,971 $2,774 $3,038
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $1,800 $1,808 $1,586 $1,649 $7,908 $8,229 $2,001 $2,132
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,714 $4,036 $2,932 $3,564 $14,576 $16,365 $3,894 $4,327
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $2,211 $2,190 $1,821 $1,870 $7,688 $8,762 $2,767 $2,876
State Farm $1,364 $1,364 $1,180 $1,180 $3,427 $4,382 $1,528 $1,725

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Minimum Car Insurance in Scotland, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,671 $4,437 $3,853
American Family $5,228 $3,769 $3,193
Farmers $3,833 $3,233 $3,101
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,651 $5,814 $4,562
Nationwide $3,028 $2,388 $2,096
Progressive $4,375 $3,616 $3,329
State Farm $2,937 $1,757 $1,362

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

Annual Scotland, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,858 $4,477 $5,960 $4,318
American Family $2,949 $4,337 $5,591 $3,376
Farmers $2,896 $3,649 $3,560 $3,451
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,624 $6,994 $7,255 $6,830
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $3,260 $4,385 $3,518 $3,929
State Farm $1,886 $2,151 $2,019 $2,019

Cheapest Scotland, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,029 $11,971
American Family $6,026 $8,854
Farmers $7,908 $8,229
GEICO $4,398 $5,174
Liberty Mutual $14,576 $16,365
Nationwide $3,909 $5,045
Progressive $7,688 $8,762
State Farm $3,427 $4,382

Cheapest Scotland, SD Car Insurance for Seniors

Take a look at Scotland, 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 Scotland, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,157 $2,307
American Family $2,598 $2,598
Farmers $1,586 $1,649
GEICO $2,041 $1,881
Liberty Mutual $2,932 $3,564
Nationwide $1,592 $1,700
Progressive $1,821 $1,870
State Farm $1,180 $1,180

Cheapest Scotland, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,960
American Family $5,591
Farmers $3,560
GEICO $4,443
Liberty Mutual $7,255
Nationwide $3,581
Progressive $3,518
State Farm $2,019

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Cheapest Scotland, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Scotland, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,540 $4,767
American Family $4,013 $4,113
Farmers $3,389 $3,389
GEICO $2,631 $2,696
Liberty Mutual $6,676 $6,676
Nationwide $2,504 $2,504
Progressive $3,773 $3,773
State Farm $1,970 $2,067

The Best Cheap Car Insurance Companies in Scotland, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,654
American Family $4,063
Farmers $3,389
GEICO $2,664
Liberty Mutual $6,676
Nationwide $2,504
Progressive $3,773
State Farm $2,019

Category Winners: Cheapest Car Insurance in Scotland, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,537 $4,646 $4,778
American Family $4,106 $4,185 $3,899
Farmers $3,244 $3,353 $3,571
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,547 $6,666 $6,815
Nationwide $2,363 $2,493 $2,655
Progressive $3,682 $3,743 $3,894
State Farm $1,955 $2,019 $2,081

What affects car insurance rates in Scotland, South Dakota?

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

Car Theft in Scotland

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

Commute Time in Scotland

The more time you spend in your car the higher the risk of an accident. The average commute length in Scotland, SD is 16.3 minutes according to City-Data.

Compare Car Insurance Quotes in Scotland, SD

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

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