Compare Spearfish, SD Car Insurance Rates (2021)

Car insurance in Spearfish, SD averages $348 a month. Spearfish, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spearfish car insurance rates, compare quotes from the top car insurance companies in Spearfish, SD.

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Laura Berry is a former State Farm insurance producer and insurance expert.

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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 Spearfish for teen drivers is State Farm
  • Average car insurance rates in Spearfish, SD after a DUI are $5,003/year
  • The cheapest car insurance company in Spearfish is State Farm

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

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

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

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

How do age, gender, and marital status affect Spearfish, SD car insurance rates? Every Spearfish, 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 Spearfish, 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 $2,509 $2,561 $2,215 $2,370 $10,422 $12,452 $2,836 $3,097
American Family $2,671 $2,671 $2,378 $2,378 $5,673 $8,308 $2,671 $3,281
Farmers $2,107 $2,106 $1,853 $1,930 $9,490 $9,844 $2,360 $2,516
GEICO $2,189 $2,062 $2,090 $1,926 $4,505 $5,300 $1,919 $1,836
Liberty Mutual $4,886 $5,320 $3,854 $4,689 $18,627 $20,919 $5,142 $5,726
Nationwide $2,157 $2,221 $1,922 $2,061 $4,690 $6,095 $2,419 $2,640
Progressive $2,538 $2,519 $2,088 $2,145 $8,774 $10,009 $3,182 $3,313
State Farm $1,424 $1,424 $1,236 $1,236 $3,639 $4,646 $1,596 $1,804

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Minimum Car Insurance in Spearfish, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,862 $4,584 $3,978
American Family $4,836 $3,484 $2,941
Farmers $4,548 $3,844 $3,685
GEICO $4,421 $2,244 $1,520
Liberty Mutual $12,534 $7,509 $5,894
Nationwide $3,667 $2,879 $2,531
Progressive $5,016 $4,138 $3,808
State Farm $3,093 $1,850 $1,434

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

Annual Spearfish, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,980 $4,631 $6,160 $4,460
American Family $2,721 $4,023 $5,158 $3,112
Farmers $3,426 $4,339 $4,232 $4,107
GEICO $1,725 $2,913 $4,551 $1,725
Liberty Mutual $7,291 $9,038 $9,408 $8,844
Nationwide $2,174 $3,034 $4,363 $2,531
Progressive $3,733 $5,019 $4,028 $4,504
State Farm $1,982 $2,269 $2,126 $2,126

Cheapest Spearfish, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,422 $12,452
American Family $5,673 $8,308
Farmers $9,490 $9,844
GEICO $4,505 $5,300
Liberty Mutual $18,627 $20,919
Nationwide $4,690 $6,095
Progressive $8,774 $10,009
State Farm $3,639 $4,646

Cheapest Spearfish, SD Car Insurance for Seniors

Take a look at Spearfish, 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 Spearfish, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,215 $2,370
American Family $2,378 $2,378
Farmers $1,853 $1,930
GEICO $2,090 $1,926
Liberty Mutual $3,854 $4,689
Nationwide $1,922 $2,061
Progressive $2,088 $2,145
State Farm $1,236 $1,236

Cheapest Spearfish, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,160
American Family $5,158
Farmers $4,232
GEICO $4,551
Liberty Mutual $9,408
Nationwide $4,363
Progressive $4,028
State Farm $2,126

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Cheapest Spearfish, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,690 $4,925
American Family $3,709 $3,799
Farmers $4,026 $4,026
GEICO $2,695 $2,762
Liberty Mutual $8,645 $8,645
Nationwide $3,026 $3,026
Progressive $4,321 $4,321
State Farm $2,074 $2,177

The Best Cheap Car Insurance Companies in Spearfish, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,808
American Family $3,754
Farmers $4,026
GEICO $2,728
Liberty Mutual $8,645
Nationwide $3,026
Progressive $4,321
State Farm $2,126

Category Winners: Cheapest Car Insurance in Spearfish, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,655 $4,799 $4,970
American Family $3,756 $3,859 $3,646
Farmers $3,867 $3,989 $4,221
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,486 $8,632 $8,819
Nationwide $2,847 $3,013 $3,217
Progressive $4,232 $4,292 $4,439
State Farm $2,055 $2,127 $2,195

What affects car insurance rates in Spearfish, South Dakota?

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

Car Theft in Spearfish

High levels of vehicle theft can make car insurance more expensive. Spearfish, SD car theft statistics from the FBI indicate 17 vehicle thefts a year.

Commute Time in Spearfish

The more time you spend in your car the higher the risk of an accident. The average commute length in Spearfish, SD is 16.2 minutes according to City-Data.

Compare Car Insurance Quotes in Spearfish, SD

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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