Cheap Quotes for De Smet, SD Car Insurance (2021)

De Smet, South Dakota car insurance rates average $300 a month and South Dakota law requires coverage of at least 25/50/25. By comparing rates from multiple De Smet, SD companies, you can find cheap De Smet car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in De Smet, SD after a DUI are $4,360/year
  • Average car insurance rates in De Smet, SD are $300/month
  • The cheapest car insurance company in De Smet is State Farm

How do the De Smet, South Dakota monthly average car insurance rates of $300/month compare to nearby cities like Vermillion car insurance rates, Huron car insurance rates, and Brookings car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in De Smet, SD.

We’ll cover the South Dakota minimum coverage requirements, South Dakota car insurance laws, and De Smet, SD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple De Smet, South Dakota companies to find the most affordable De Smet car insurance rates.

Enter your ZIP code above to find cheap De Smet, SD car insurance quotes today.

What are the minimum De Smet, SD car insurance requirements?

To meet South Dakota minimum car insurance coverage requirements, De Smet, SD drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in De Smet, 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

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How do age, gender, and marital status affect De Smet, SD car insurance rates?

Three of the criteria that most affect car insurance rates in De Smet, South Dakota are age, gender, and marital status. Let’s take a look at how each of these stack up with top De Smet car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in De Smet, 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 $2,659 $2,659 $2,364 $2,364 $5,616 $8,249 $2,659 $3,266
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 $1,744 $1,711 $1,437 $1,486 $6,511 $7,389 $2,182 $2,280
State Farm $1,423 $1,423 $1,226 $1,226 $3,507 $4,497 $1,592 $1,789

How much do teen drivers pay for car insurance in De Smet, SD?

De Smet, South Dakota car insurance rates for teens are often higher than rates for other drivers. Compare De Smet car insurance rates from multiple De Smet, South Dakota car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in De Smet, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,744 $11,624
American Family $5,616 $8,249
Farmers $8,207 $8,528
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $3,909 $5,045
Progressive $6,511 $7,389
State Farm $3,507 $4,497

How much do senior drivers pay for car insurance in De Smet, SD?

With a little research, seniors can find affordable car insurance in De Smet, South Dakota. Here’s a look at how the top De Smet car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in De Smet, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,111 $2,258
American Family $2,364 $2,364
Farmers $1,583 $1,651
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,592 $1,700
Progressive $1,437 $1,486
State Farm $1,226 $1,226

How does coverage level affect De Smet, SD car insurance rates?

How much coverage do you need? Are you comfortable with the South Dakota minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your De Smet, SD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in De Smet, South Dakota

Insurance Company Low Medium High
Allstate $4,420 $4,529 $4,661
American Family $3,733 $3,834 $3,621
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 $3,008 $3,064 $3,205
State Farm $2,019 $2,086 $2,150

How does your driving record affect De Smet, SD car insurance rates?

Safe driving pays off. The more traffic violations you have in De Smet, SD, the higher your car insurance rates will be. Compare rates based on driving infractions from top De Smet, South Dakota companies.

Annual De Smet, 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 $2,703 $3,999 $5,125 $3,092
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 $2,665 $3,626 $2,873 $3,206
State Farm $1,953 $2,217 $2,085 $2,085

How does a DUI affect De Smet, SD car insurance rates?

With even one DUI on your record, you can see an increase in your De Smet, SD car insurance rates.

Annual Car Insurance Rates After a DUI in De Smet, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,806
American Family $5,125
Farmers $3,647
GEICO $4,443
Liberty Mutual $7,325
Nationwide $3,581
Progressive $2,873
State Farm $2,085

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How does your credit history affect De Smet, SD car insurance rates?

Take a look at the data here to see how your De Smet, South Dakota car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in De Smet, South Dakota

Insurance Company Poor Fair Good
Allstate $5,530 $4,323 $3,756
American Family $4,802 $3,463 $2,924
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 $3,556 $2,972 $2,749
State Farm $3,035 $1,815 $1,407

How does your commute affect De Smet, SD car insurance rates?

De Smet, SD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for South Dakota can be seen here. Remember, though, that you may have to carry substantially more car insurance in De Smet if you’re financing.

Annual Car Insurance Rates by Commute Length in De Smet, 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 $3,684 $3,775
Farmers $3,466 $3,466
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,504 $2,504
Progressive $3,092 $3,092
State Farm $2,035 $2,136

Who has the cheapest De Smet, SD car insurance rates?

Here’s a breakdown of De Smet, South Dakota car insurance rates by company. You can see which company offers the cheapest De Smet car insurance rates in each category.

Best Annual Car Insurance Rates by Company in De Smet, 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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What are the top De Smet, SD car insurance companies?

Which De Smet, South Dakota car insurance company will best fit your needs and budget? Check out this comparison of the top De Smet companies to find the one for you.

Average Annual Car Insurance Rates by Company in De Smet, South Dakota

Insurance Company Average Annual Rates
Allstate $4,537
American Family $3,730
Farmers $3,466
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,504
Progressive $3,092
State Farm $2,085

What factors affect De Smet, SD car insurance rates?

Why are De Smet, South Dakota car insurance rates different than rates in Vermillion or Huron? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in De Smet, SD?

More time spent behind the wheel can lead to higher De Smet, South Dakota car insurance rates. In De Smet, SD, the average commute length is 11.6 minutes.

Car Insurance Quotes for De Smet, SD

Shop for affordable De Smet, South Dakota car insurance rates today. Enter your ZIP code to compare quotes from multiple De Smet, SD car insurance companies.

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