Compare Utica, SD Car Insurance Rates (2021)

Car insurance in Utica, SD averages $322 a month. Utica, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Utica car insurance rates, compare quotes from the top car insurance companies in Utica, 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 Utica for teen drivers is State Farm
  • Average car insurance rates in Utica, SD after a DUI are $4,639/year
  • Average car insurance rates in Utica, SD are $3,860/year

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

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

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

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

How do age, gender, and marital status affect Utica, SD car insurance rates? Every Utica, 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 Utica, 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 $2,428 $2,484 $2,139 $2,288 $9,928 $11,847 $2,752 $3,013
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 $4,228 $4,597 $3,336 $4,057 $16,457 $18,477 $4,440 $4,937
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $2,397 $2,382 $1,974 $2,024 $8,146 $9,298 $3,002 $3,117
State Farm $1,369 $1,369 $1,187 $1,187 $3,481 $4,446 $1,534 $1,734

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Minimum Car Insurance in Utica, SD

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,617 $4,396 $3,817
American Family $5,228 $3,769 $3,193
Farmers $3,833 $3,233 $3,101
GEICO $4,316 $2,191 $1,484
Liberty Mutual $10,948 $6,584 $5,166
Nationwide $3,028 $2,388 $2,096
Progressive $4,701 $3,870 $3,557
State Farm $2,966 $1,774 $1,375

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

Annual Utica, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,824 $4,437 $5,901 $4,278
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 $6,376 $7,921 $8,226 $7,741
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $3,496 $4,684 $3,773 $4,217
State Farm $1,902 $2,175 $2,038 $2,038

Cheapest Utica, SD Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,928 $11,847
American Family $6,026 $8,854
Farmers $7,908 $8,229
GEICO $4,398 $5,174
Liberty Mutual $16,457 $18,477
Nationwide $3,909 $5,045
Progressive $8,146 $9,298
State Farm $3,481 $4,446

Cheapest Utica, SD Car Insurance for Seniors

Take a look at Utica, 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 Utica, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,139 $2,288
American Family $2,598 $2,598
Farmers $1,586 $1,649
GEICO $2,041 $1,881
Liberty Mutual $3,336 $4,057
Nationwide $1,592 $1,700
Progressive $1,974 $2,024
State Farm $1,187 $1,187

Cheapest Utica, SD Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,901
American Family $5,591
Farmers $3,560
GEICO $4,443
Liberty Mutual $8,226
Nationwide $3,581
Progressive $3,773
State Farm $2,038

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Cheapest Utica, SD Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,497 $4,723
American Family $4,013 $4,113
Farmers $3,389 $3,389
GEICO $2,631 $2,696
Liberty Mutual $7,566 $7,566
Nationwide $2,504 $2,504
Progressive $4,042 $4,042
State Farm $1,989 $2,088

The Best Cheap Car Insurance Companies in Utica, SD

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

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

Insurance Company Average Annual Rates
Allstate $4,610
American Family $4,063
Farmers $3,389
GEICO $2,664
Liberty Mutual $7,566
Nationwide $2,504
Progressive $4,042
State Farm $2,038

Category Winners: Cheapest Car Insurance in Utica, South Dakota

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

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

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

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

Insurance Company Low Medium High
Allstate $4,493 $4,603 $4,734
American Family $4,106 $4,185 $3,899
Farmers $3,244 $3,353 $3,571
GEICO $2,584 $2,660 $2,746
Liberty Mutual $7,426 $7,556 $7,716
Nationwide $2,363 $2,493 $2,655
Progressive $3,952 $4,013 $4,163
State Farm $1,971 $2,039 $2,105

What affects car insurance rates in Utica, South Dakota?

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

Commute Time in Utica

The more time you spend in your car the higher the risk of an accident. The average commute length in Utica, SD is 20.1 minutes according to City-Data.

Traffic in Utica

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Utica, SD traffic data from INRIX ranks Utica as the 712th-most congested in the world.

Compare Car Insurance Quotes in Utica, SD

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

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