Compare White River, SD Car Insurance Rates (2021)

Car insurance in White River, SD averages $375 a month. White River, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap White River car insurance rates, compare quotes from the top car insurance companies in White River, 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 White River, SD after a DUI are $5,457/year
  • The cheapest car insurance company in White River for teen drivers is Nationwide
  • The cheapest car insurance company in White River is State Farm

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

You’ll find White River car insurance rates, the cheapest White River, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare White River, South Dakota car insurance rates to Brookings car insurance rates, Box Elder car insurance rates, and Yankton car insurance rates.

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

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

How do age, gender, and marital status affect White River, SD car insurance rates? Every White River, 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 White River, 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 $2,508 $2,560 $2,214 $2,369 $10,421 $12,451 $2,835 $3,096
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $2,305 $2,312 $2,029 $2,106 $10,141 $10,547 $2,578 $2,760
GEICO $3,279 $3,096 $3,153 $2,905 $6,339 $7,536 $2,881 $2,795
Liberty Mutual $4,662 $5,082 $3,678 $4,471 $17,102 $19,205 $4,927 $5,496
Nationwide $2,280 $2,349 $2,031 $2,179 $4,969 $6,458 $2,557 $2,791
Progressive $2,541 $2,516 $2,089 $2,151 $8,962 $10,218 $3,186 $3,326
State Farm $2,240 $2,240 $1,893 $1,893 $4,989 $6,474 $2,495 $2,776

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Minimum Car Insurance in White River, SD

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

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

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

Annual Car Insurance Rates by Credit Score in White River, South Dakota

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,228 $3,769 $3,193
Farmers $4,920 $4,146 $3,976
GEICO $6,479 $3,286 $2,229
Liberty Mutual $11,735 $6,997 $5,501
Nationwide $3,886 $3,046 $2,674
Progressive $5,066 $4,192 $3,863
State Farm $4,552 $2,719 $2,105

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

Annual White River, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,979 $4,630 $6,159 $4,459
American Family $2,949 $4,337 $5,591 $3,376
Farmers $3,706 $4,677 $4,562 $4,443
GEICO $2,501 $4,261 $6,730 $2,501
Liberty Mutual $6,826 $8,421 $8,802 $8,262
Nationwide $2,301 $3,211 $4,618 $2,678
Progressive $3,774 $5,094 $4,072 $4,554
State Farm $2,965 $3,286 $3,125 $3,125

Cheapest White River, SD Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in White River, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,421 $12,451
American Family $6,026 $8,854
Farmers $10,141 $10,547
GEICO $6,339 $7,536
Liberty Mutual $17,102 $19,205
Nationwide $4,969 $6,458
Progressive $8,962 $10,218
State Farm $4,989 $6,474

Cheapest White River, SD Car Insurance for Seniors

Take a look at White River, 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 White River, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,369
American Family $2,598 $2,598
Farmers $2,029 $2,106
GEICO $3,153 $2,905
Liberty Mutual $3,678 $4,471
Nationwide $2,031 $2,179
Progressive $2,089 $2,151
State Farm $1,893 $1,893

Cheapest White River, SD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in White River, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $5,591
Farmers $4,562
GEICO $6,730
Liberty Mutual $8,802
Nationwide $4,618
Progressive $4,072
State Farm $3,125

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Cheapest White River, SD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in White River, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,689 $4,924
American Family $4,013 $4,113
Farmers $4,347 $4,347
GEICO $3,952 $4,045
Liberty Mutual $8,078 $8,078
Nationwide $3,202 $3,202
Progressive $4,374 $4,374
State Farm $3,050 $3,200

The Best Cheap Car Insurance Companies in White River, SD

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

Average Annual Car Insurance Rates by Company in White River, South Dakota

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,063
Farmers $4,347
GEICO $3,998
Liberty Mutual $8,078
Nationwide $3,202
Progressive $4,374
State Farm $3,125

Category Winners: Cheapest Car Insurance in White River, South Dakota

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

Best Annual Car Insurance Rates by Company in White River, South Dakota

Category Insurance Company
Teenagers Nationwide
Seniors State Farm
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest White River, SD Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in White River, South Dakota

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,106 $4,185 $3,899
Farmers $4,188 $4,307 $4,546
GEICO $3,920 $3,995 $4,080
Liberty Mutual $7,947 $8,066 $8,221
Nationwide $3,029 $3,189 $3,388
Progressive $4,276 $4,339 $4,505
State Farm $3,057 $3,126 $3,193

What affects car insurance rates in White River, South Dakota?

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

Commute Time in White River

The more time you spend in your car the higher the risk of an accident. The average commute length in White River, SD is 19.9 minutes according to City-Data.

Compare Car Insurance Quotes in White River, SD

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

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