Compare Valley Springs, SD Car Insurance Rates (2021)

Car insurance in Valley Springs, SD averages $302 a month. Valley Springs, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Valley Springs car insurance rates, compare quotes from the top car insurance companies in Valley Springs, 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 Valley Springs, SD after a DUI are $4,359/year
  • The cheapest car insurance company in Valley Springs is State Farm
  • Average car insurance rates in Valley Springs, SD are $3,628/year

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

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

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

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

How do age, gender, and marital status affect Valley Springs, SD car insurance rates? Every Valley Springs, 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 Valley Springs, 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 $2,659 $2,659 $2,364 $2,364 $5,616 $8,249 $2,659 $3,266
Farmers $1,685 $1,685 $1,480 $1,546 $7,875 $8,175 $1,891 $2,009
GEICO $1,903 $1,788 $1,804 $1,663 $4,154 $4,843 $1,664 $1,571
Liberty Mutual $3,714 $4,036 $2,932 $3,564 $14,576 $16,365 $3,894 $4,327
Nationwide $1,816 $1,855 $1,629 $1,729 $4,112 $5,269 $2,058 $2,227
Progressive $1,909 $1,846 $1,576 $1,642 $7,775 $8,794 $2,386 $2,505
State Farm $1,368 $1,368 $1,213 $1,213 $3,846 $4,878 $1,542 $1,751

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Minimum Car Insurance in Valley Springs, SD

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

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

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

Annual Car Insurance Rates by Credit Score in Valley Springs, South Dakota

Insurance Company Poor Fair Good
Allstate $5,617 $4,396 $3,817
American Family $4,802 $3,463 $2,924
Farmers $3,713 $3,149 $3,017
GEICO $3,927 $1,995 $1,349
Liberty Mutual $9,651 $5,814 $4,562
Nationwide $3,114 $2,476 $2,170
Progressive $4,042 $3,429 $3,191
State Farm $3,125 $1,869 $1,448

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

Annual Valley Springs, 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 $2,703 $3,999 $5,125 $3,092
Farmers $2,800 $3,555 $3,468 $3,350
GEICO $1,546 $2,592 $4,010 $1,546
Liberty Mutual $5,624 $6,994 $7,255 $6,830
Nationwide $1,891 $2,595 $3,680 $2,182
Progressive $3,049 $4,216 $3,289 $3,662
State Farm $1,979 $2,316 $2,147 $2,147

Cheapest Valley Springs, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Valley Springs, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,928 $11,847
American Family $5,616 $8,249
Farmers $7,875 $8,175
GEICO $4,154 $4,843
Liberty Mutual $14,576 $16,365
Nationwide $4,112 $5,269
Progressive $7,775 $8,794
State Farm $3,846 $4,878

Cheapest Valley Springs, SD Car Insurance for Seniors

Take a look at Valley Springs, 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 Valley Springs, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,139 $2,288
American Family $2,364 $2,364
Farmers $1,480 $1,546
GEICO $1,804 $1,663
Liberty Mutual $2,932 $3,564
Nationwide $1,629 $1,729
Progressive $1,576 $1,642
State Farm $1,213 $1,213

Cheapest Valley Springs, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Valley Springs, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,901
American Family $5,125
Farmers $3,468
GEICO $4,010
Liberty Mutual $7,255
Nationwide $3,680
Progressive $3,289
State Farm $2,147

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Cheapest Valley Springs, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Valley Springs, 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 $3,684 $3,775
Farmers $3,293 $3,293
GEICO $2,393 $2,454
Liberty Mutual $6,676 $6,676
Nationwide $2,587 $2,587
Progressive $3,554 $3,554
State Farm $2,093 $2,201

The Best Cheap Car Insurance Companies in Valley Springs, SD

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

Average Annual Car Insurance Rates by Company in Valley Springs, South Dakota

Insurance Company Average Annual Rates
Allstate $4,610
American Family $3,730
Farmers $3,293
GEICO $2,424
Liberty Mutual $6,676
Nationwide $2,587
Progressive $3,554
State Farm $2,147

Category Winners: Cheapest Car Insurance in Valley Springs, South Dakota

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

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

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

Annual Car Insurance Rates by Coverage Level in Valley Springs, South Dakota

Insurance Company Low Medium High
Allstate $4,493 $4,603 $4,734
American Family $3,733 $3,834 $3,621
Farmers $3,136 $3,254 $3,490
GEICO $2,332 $2,420 $2,519
Liberty Mutual $6,547 $6,666 $6,815
Nationwide $2,411 $2,573 $2,776
Progressive $3,417 $3,506 $3,740
State Farm $2,047 $2,150 $2,245

What affects car insurance rates in Valley Springs, South Dakota?

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

Commute Time in Valley Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Valley Springs, SD is 22.6 minutes according to City-Data.

Compare Car Insurance Quotes in Valley Springs, SD

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

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