Compare Toronto, SD Car Insurance Rates (2021)

Car insurance in Toronto, SD averages $308 a month. Toronto, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Toronto car insurance rates, compare quotes from the top car insurance companies in Toronto, 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 Toronto is State Farm
  • Average car insurance rates in Toronto, SD are $3,693/year
  • The cheapest car insurance company in Toronto for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Toronto, SD car insurance rates? Every Toronto, 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 Toronto, 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 $2,398 $2,454 $2,111 $2,258 $9,744 $11,624 $2,721 $2,983
American Family $3,184 $3,184 $2,812 $2,812 $6,503 $9,548 $3,184 $3,917
Farmers $1,801 $1,804 $1,583 $1,651 $8,207 $8,528 $2,014 $2,143
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,762 $4,088 $2,968 $3,605 $14,670 $16,464 $3,950 $4,394
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $1,806 $1,779 $1,487 $1,535 $6,586 $7,486 $2,261 $2,362
State Farm $1,392 $1,392 $1,209 $1,209 $3,556 $4,546 $1,560 $1,759

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Minimum Car Insurance in Toronto, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,530 $4,323 $3,756
American Family $5,654 $4,074 $3,451
Farmers $3,913 $3,311 $3,174
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,750 $5,863 $4,600
Nationwide $3,028 $2,388 $2,096
Progressive $3,647 $3,037 $2,804
State Farm $3,023 $1,808 $1,401

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

Annual Toronto, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,765 $4,366 $5,806 $4,210
American Family $3,192 $4,671 $6,053 $3,655
Farmers $2,952 $3,738 $3,647 $3,528
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,678 $7,052 $7,325 $6,894
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $2,728 $3,697 $2,941 $3,284
State Farm $1,938 $2,218 $2,078 $2,078

Cheapest Toronto, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,744 $11,624
American Family $6,503 $9,548
Farmers $8,207 $8,528
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $3,909 $5,045
Progressive $6,586 $7,486
State Farm $3,556 $4,546

Cheapest Toronto, SD Car Insurance for Seniors

Take a look at Toronto, 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 Toronto, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,111 $2,258
American Family $2,812 $2,812
Farmers $1,583 $1,651
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,592 $1,700
Progressive $1,487 $1,535
State Farm $1,209 $1,209

Cheapest Toronto, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,806
American Family $6,053
Farmers $3,647
GEICO $4,443
Liberty Mutual $7,325
Nationwide $3,581
Progressive $2,941
State Farm $2,078

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Cheapest Toronto, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,426 $4,647
American Family $4,338 $4,448
Farmers $3,466 $3,466
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,504 $2,504
Progressive $3,163 $3,163
State Farm $2,027 $2,128

The Best Cheap Car Insurance Companies in Toronto, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,537
American Family $4,393
Farmers $3,466
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,504
Progressive $3,163
State Farm $2,078

Category Winners: Cheapest Car Insurance in Toronto, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,420 $4,529 $4,661
American Family $4,448 $4,526 $4,204
Farmers $3,309 $3,427 $3,663
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,616 $6,728 $6,869
Nationwide $2,363 $2,493 $2,655
Progressive $3,084 $3,136 $3,268
State Farm $2,004 $2,079 $2,150

What affects car insurance rates in Toronto, South Dakota?

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

Commute Time in Toronto

The more time you spend in your car the higher the risk of an accident. The average commute length in Toronto, SD is 28.0 minutes according to City-Data.

Traffic in Toronto

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Toronto, SD traffic data from INRIX ranks Toronto as the 86th-most congested in the world.

Compare Car Insurance Quotes in Toronto, SD

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

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