Buy Cheap Spearfish, SD Auto Insurance (2022)

Spearfish, SD auto insurance rates average $348 a month. Minimum auto insurance requirements in Spearfish, South Dakota are 25/50/25 to comply with South Dakota laws. To buy cheap auto insurance in Spearfish, SD, compare Spearfish auto insurance quotes from top companies.

UPDATED: Jun 3, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 3, 2022

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A Concise Overview

  • The most expensive auto insurance company in Spearfish is Liberty Mutual
  • Average auto insurance rates in Spearfish, SD for teens drivers are $8,227/year
  • Average auto insurance rates in Spearfish, SD after a DUI are $5,003/year

Finding affordable Spearfish, South Dakota auto insurance can be challenging, but everything you need to know to buy cheap Spearfish, SD auto insurance with confidence is right here. Auto insurance rates in Spearfish are affected by local factors as well as personal ones like your driving record.

See how Spearfish, SD car insurance rates compare to Aberdeen auto insurance rates, Pierre auto insurance rates, and Spearfish auto insurance rates before you read more about the cost of auto insurance in Spearfish.

Don’t buy Spearfish, SD auto insurance until you’ve compared rates. Get free Spearfish, South Dakota auto insurance quotes when you enter your ZIP code above.

Spearfish, SD Minimum Auto Insurance Requirements

The required auto insurance in Spearfish, SD is 25/50/25 according to the auto insurance laws in South Dakota. The minimum auto insurance in Spearfish, South Dakota is outlined here.

Minimum Required Auto Insurance Coverage in Spearfish, 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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Find Cheap Spearfish, SD Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Spearfish, SD. Take a look at Spearfish, South Dakota auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Spearfish, South Dakota

Insurance Company Poor Fair Good
Allstate $5,862 $4,584 $3,978
American Family $4,836 $3,484 $2,941
Farmers $4,548 $3,844 $3,685
GEICO $4,421 $2,244 $1,520
Liberty Mutual $12,534 $7,509 $5,894
Nationwide $3,667 $2,879 $2,531
Progressive $5,016 $4,138 $3,808
State Farm $3,093 $1,850 $1,434

Buy Cheap Spearfish, SD Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Spearfish, South Dakota auto insurance rates? Find out how car insurance rates in Spearfish, SD are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Spearfish, 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 $2,509 $2,561 $2,215 $2,370 $10,422 $12,452 $2,836 $3,097
American Family $2,671 $2,671 $2,378 $2,378 $5,673 $8,308 $2,671 $3,281
Farmers $2,107 $2,106 $1,853 $1,930 $9,490 $9,844 $2,360 $2,516
GEICO $2,189 $2,062 $2,090 $1,926 $4,505 $5,300 $1,919 $1,836
Liberty Mutual $4,886 $5,320 $3,854 $4,689 $18,627 $20,919 $5,142 $5,726
Nationwide $2,157 $2,221 $1,922 $2,061 $4,690 $6,095 $2,419 $2,640
Progressive $2,538 $2,519 $2,088 $2,145 $8,774 $10,009 $3,182 $3,313
State Farm $1,424 $1,424 $1,236 $1,236 $3,639 $4,646 $1,596 $1,804

Buy Cheap Spearfish, SD Auto Insurance for Teen Drivers

Auto insurance for teenagers in Spearfish can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spearfish, SD are listed here.

Annual Auto Insurance Rates for Teen Drivers in Spearfish, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,422 $12,452
American Family $5,673 $8,308
Farmers $9,490 $9,844
GEICO $4,505 $5,300
Liberty Mutual $18,627 $20,919
Nationwide $4,690 $6,095
Progressive $8,774 $10,009
State Farm $3,639 $4,646

Buy Cheap Spearfish, SD Auto Insurance for Seniors

You can save on senior auto insurance rates in Spearfish, South Dakota by comparing Spearfish senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spearfish, SD here.

Annual Auto Insurance Rates for Senior Drivers in Spearfish, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,215 $2,370
American Family $2,378 $2,378
Farmers $1,853 $1,930
GEICO $2,090 $1,926
Liberty Mutual $3,854 $4,689
Nationwide $1,922 $2,061
Progressive $2,088 $2,145
State Farm $1,236 $1,236

Find Cheap Auto Insurance Rates in Spearfish, SD by Coverage Level

The amount of coverage you choose is a big factor in the cost of Spearfish, South Dakota auto insurance. Compare Spearfish, SD auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Spearfish, South Dakota

Insurance Company Low Medium High
Allstate $4,655 $4,799 $4,970
American Family $3,756 $3,859 $3,646
Farmers $3,867 $3,989 $4,221
GEICO $2,638 $2,725 $2,822
Liberty Mutual $8,486 $8,632 $8,819
Nationwide $2,847 $3,013 $3,217
Progressive $4,232 $4,292 $4,439
State Farm $2,055 $2,127 $2,195

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Find Cheap Spearfish, SD Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Spearfish. Compare auto insurance rates in Spearfish, SD by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Spearfish, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,690 $4,925
American Family $3,709 $3,799
Farmers $4,026 $4,026
GEICO $2,695 $2,762
Liberty Mutual $8,645 $8,645
Nationwide $3,026 $3,026
Progressive $4,321 $4,321
State Farm $2,074 $2,177

Find Cheap Spearfish, SD Auto Insurance Rates by Driving Record

Auto insurance rates in Spearfish, South Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spearfish, SD, take a look at the average cost for various violations versus rates for a clean driving record in Spearfish.

Annual Spearfish, South Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,980 $4,631 $6,160 $4,460
American Family $2,721 $4,023 $5,158 $3,112
Farmers $3,426 $4,339 $4,232 $4,107
GEICO $1,725 $2,913 $4,551 $1,725
Liberty Mutual $7,291 $9,038 $9,408 $8,844
Nationwide $2,174 $3,034 $4,363 $2,531
Progressive $3,733 $5,019 $4,028 $4,504
State Farm $1,982 $2,269 $2,126 $2,126

Find Cheap Spearfish, SD Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Spearfish, South Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Spearfish for less when you shop around and compare rates from multiple Spearfish, SD auto insurance companies.

Annual Auto Insurance Rates After a DUI in Spearfish, South Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,160
American Family $5,158
Farmers $4,232
GEICO $4,551
Liberty Mutual $9,408
Nationwide $4,363
Progressive $4,028
State Farm $2,126

Winners by Category: Where to Buy Cheap Auto Insurance in Spearfish, SD

Compare rates from the cheapest auto insurance companies in Spearfish, SD for your needs. Take a look at how Spearfish, South Dakota auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Spearfish, 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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Find Cheap Spearfish, South Dakota Auto Insurance Companies

If you’re looking for the cheapest Spearfish, SD auto insurance companies overall, you can compare them here. Find the best price for Spearfish, South Dakota car insurance by company.

Average Annual Auto Insurance Rates by Company in Spearfish, South Dakota

Insurance Company Average Annual Rates
Allstate $4,808
American Family $3,754
Farmers $4,026
GEICO $2,728
Liberty Mutual $8,645
Nationwide $3,026
Progressive $4,321
State Farm $2,126

What affects Spearfish, South Dakota auto insurance rates?

Local factors affect auto insurance rates in Spearfish, SD, including traffic, theft statistics, and commute length. Take a look at the things that impact Spearfish auto insurance rates.

Auto Theft in Spearfish

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Spearfish, SD auto theft show a total of 17 vehicle thefts annually.

Commute Times in Spearfish

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spearfish, SD is 16.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Spearfish, SD

You can buy cheap Spearfish, SD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spearfish, South Dakota auto insurance quotes from top companies.

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