Compare Smithwick, SD Car Insurance Rates (2021)

Car insurance in Smithwick, SD averages $365 a month. Smithwick, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Smithwick car insurance rates, compare quotes from the top car insurance companies in Smithwick, 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 Smithwick, SD are $4,383/year
  • The cheapest car insurance company in Smithwick for teen drivers is State Farm
  • The cheapest car insurance company in Smithwick is State Farm

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

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

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

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

How do age, gender, and marital status affect Smithwick, SD car insurance rates? Every Smithwick, 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 Smithwick, 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 $2,613 $2,665 $2,307 $2,468 $10,950 $13,101 $2,952 $3,228
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $2,432 $2,440 $2,140 $2,226 $10,882 $11,320 $2,717 $2,897
GEICO $2,189 $2,062 $2,090 $1,926 $4,505 $5,300 $1,919 $1,836
Liberty Mutual $5,146 $5,610 $4,059 $4,938 $19,027 $21,372 $5,433 $6,058
Nationwide $2,157 $2,221 $1,922 $2,061 $4,690 $6,095 $2,419 $2,640
Progressive $2,632 $2,615 $2,162 $2,224 $9,018 $10,299 $3,296 $3,428
State Farm $1,431 $1,431 $1,249 $1,249 $3,765 $4,795 $1,606 $1,820

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Minimum Car Insurance in Smithwick, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,140 $4,801 $4,165
American Family $5,228 $3,769 $3,193
Farmers $5,235 $4,421 $4,239
GEICO $4,421 $2,244 $1,520
Liberty Mutual $13,007 $7,761 $6,098
Nationwide $3,667 $2,879 $2,531
Progressive $5,183 $4,269 $3,926
State Farm $3,156 $1,887 $1,462

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

Annual Smithwick, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,161 $4,844 $6,467 $4,670
American Family $2,949 $4,337 $5,591 $3,376
Farmers $3,949 $4,990 $4,868 $4,720
GEICO $1,725 $2,913 $4,551 $1,725
Liberty Mutual $7,562 $9,343 $9,756 $9,160
Nationwide $2,174 $3,034 $4,363 $2,531
Progressive $3,853 $5,173 $4,160 $4,651
State Farm $2,015 $2,322 $2,168 $2,168

Cheapest Smithwick, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,950 $13,101
American Family $6,026 $8,854
Farmers $10,882 $11,320
GEICO $4,505 $5,300
Liberty Mutual $19,027 $21,372
Nationwide $4,690 $6,095
Progressive $9,018 $10,299
State Farm $3,765 $4,795

Cheapest Smithwick, SD Car Insurance for Seniors

Take a look at Smithwick, 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 Smithwick, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,307 $2,468
American Family $2,598 $2,598
Farmers $2,140 $2,226
GEICO $2,090 $1,926
Liberty Mutual $4,059 $4,938
Nationwide $1,922 $2,061
Progressive $2,162 $2,224
State Farm $1,249 $1,249

Cheapest Smithwick, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,467
American Family $5,591
Farmers $4,868
GEICO $4,551
Liberty Mutual $9,756
Nationwide $4,363
Progressive $4,160
State Farm $2,168

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Cheapest Smithwick, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,912 $5,159
American Family $4,013 $4,113
Farmers $4,632 $4,632
GEICO $2,695 $2,762
Liberty Mutual $8,955 $8,955
Nationwide $3,026 $3,026
Progressive $4,459 $4,459
State Farm $2,116 $2,221

The Best Cheap Car Insurance Companies in Smithwick, SD

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

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

Insurance Company Average Annual Rates
Allstate $5,035
American Family $4,063
Farmers $4,632
GEICO $2,728
Liberty Mutual $8,955
Nationwide $3,026
Progressive $4,459
State Farm $2,168

Category Winners: Cheapest Car Insurance in Smithwick, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,882 $5,026 $5,198
American Family $4,106 $4,185 $3,899
Farmers $4,435 $4,582 $4,877
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,801 $8,940 $9,124
Nationwide $2,847 $3,013 $3,217
Progressive $4,349 $4,419 $4,610
State Farm $2,089 $2,170 $2,246

Compare Car Insurance Quotes in Smithwick, SD

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

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