Cheapest Auto Insurance in Aberdeen, South Dakota (2024)
Drivers in Aberdeen pay an average of $57 per month for liability-only car insurance.
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Written byTheresa Stevens
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Updated November 20, 2024
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Table of contents
Aberdeen, the third most-populous city in South Dakota, is located in the northeastern part of the state in Brown County. The average car insurance rates in Aberdeen are $57 for liability-only and $149 for full coverage.
Aberdeen drivers pay slightly less than the statewide average of $63 for liability insurance and $147 for full coverage. This could be due to the city’s population density of 1,725 people per square mile.[1]
Here’s what to know about finding cheap auto insurance in Aberdeen.
Quick Facts
Aberdeen drivers are legally required to purchase liability insurance.
Bristol West, Safeco, and USAA are three of Aberdeen’s best car insurance companies.
On average, drivers in Aberdeen pay $1,795 per year for full-coverage insurance.
Cheapest car insurance companies in Aberdeen
The cheapest auto insurance company for you depends on factors such as your age, driving record, ZIP code, and the type of coverage you choose. It’s important to compare rates from multiple insurers to find the right combination of affordability and coverage for your specific needs.
The table below shows the top auto insurers for Aberdeen drivers. The rates in the table are for South Dakota.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Bristol West | 5.2 | $196 | $73 | High-risk drivers |
| Safeco | 8.3 | $129 | $46 | Discounts |
| USAA | 9.4 | N/A | N/A | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for high-risk drivers: Bristol West
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $158/mo |
3.2
A solid optionBased on 296 verified guest reviews and ratings
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (147)
Misty
November 18, 2024
Verified Review
Limited Budget, Perfect Driving Record Yet My Bill Went Up
I've always paid around $48 to $52 a month for basic liability, which is within my budget. I never had any issues with Bristol West until October 2024 when they took $100 out of my account. In September, a month earlier, I paid $49. Then in November 2024, my premium was at $74. I'm on a very limited budget and only get one check a month. I have never had an accident or gotten any tickets ever! I told my agent I simply can't afford much and she reassured me that because my credit is excellent and I have an excellent driving record, my policy will stay the same.
Dwayne
November 7, 2024
Verified Review
Sudden increase in monthly payments
For my 2004 car, I was paying $252 a month, which was a sudden increase from $191. State Farm seems to be a better option, so it might be worth shopping around.
Reginald
November 4, 2024
Verified Review
Comparable to Well-Known Brands
It's not as recognized as Farmer's or other well-known brands, but it performs similarly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.8A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Bristol West may offer the best price for high-risk drivers in Aberdeen. The company states on its website that it works with drivers with bad credit or DUIs on their record.
Pros
Works with high-risk drivers
Rideshare coverage available in some states
Cons
Not as many available discounts as some competitors
Coverage types vary by state
Best insurer for discounts: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco offers multiple discounts to help lower your car insurance premium. Discounts include safe-driver discounts, policy bundling discounts, and safe-vehicle discounts.
Pros
Multiple available discounts
AM Best financial strength rating of A- (Excellent)
Cons
Must contact an insurance agent to purchase a policy
Below-average J.D. Power customer satisfaction rating in the Central region
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers some of the lowest rates in Aberdeen. It focuses on serving active-duty military members, veterans, and their families. Approximately 1,000 veterans in Aberdeen are eligible for coverage through USAA.
Pros
Customer reviews are generally positive
Offers insurance, banking, and investing products
Cons
Only available to current military members, veterans, and their families
No 24/7 customer service
How to get the cheapest car insurance in Aberdeen
Finding a cheap car insurance policy depends on factors such as your age, driving record, and the type of vehicle you drive.
Here are some potential ways to lower your car insurance premiums:[2]
Shop around. Like any major purchase, it’s important to shop around to find the right policy for your needs. Enter your demographic information, vehicle details, and desired coverage into an insurance-comparison website to receive quotes from multiple insurers simultaneously.
Ask about discounts. Discounts are an easy way to save money on your auto policy. They vary by insurer but may include discounts for good drivers, safe vehicles, and customer loyalty.
Bundle your insurance. Many insurance companies offer discounts when you purchase multiple policies through them, such as your auto, life, and homeowners insurance. This is often referred to as “bundling” policies.
Find Cheap Car Insurance in Aberdeen, South Dakota
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Cheapest liability-only car insurance in Aberdeen
If you cause an accident, liability-only car insurance helps cover the cost of the injuries of the other driver and their passengers. It also helps pay to repair or replace the other driver’s vehicle. It’s considered minimum coverage since it doesn’t offer protection for yourself, your passengers, or your vehicle.
South Dakota drivers are required to have liability insurance, which costs $63 per month, on average.
Here are the average monthly quotes for liability-only car insurance in Aberdeen.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $42 |
| CSAA | $56 |
| Safeco | $58 |
| Dairyland | $60 |
| Bristol West | $61 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Aberdeen
Full-coverage car insurance offers greater financial protection on the road, as it typically includes liability insurance as well as comprehensive and collision coverage.
If you finance or lease a car, your lender will probably require you to buy full-coverage insurance. Other people may choose to purchase full coverage for the increased protection and peace of mind it brings.
In South Dakota, a full-coverage policy costs an average of $147 per month. Here are average full-coverage car insurance rates from top companies in Aberdeen.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $119 |
| Direct Auto | $121 |
| CSAA | $122 |
| Bristol West | $158 |
| Dairyland | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Aberdeen, South Dakota
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $84/mo for full coverage in Aberdeen and other South Dakota cities.
*Quotes generated for Insurify users in and around Aberdeen, South Dakota within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Aberdeen, South Dakota within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Dakota
South Dakota law follows a traditional fault-based, or “tort,” system, meaning if you cause a car accident, you’re financially responsible for the resulting losses. Like most states, South Dakota requires all drivers to purchase minimum amounts of insurance coverage.
The table below outlines the minimum liability coverage requirements for South Dakota drivers:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist coverage | $25,000 per person / $50,000 per accident |
Some drivers purchase additional insurance types to cover a broader range of scenarios on the road.
Here are some optional coverages to consider:
Collision coverage
Collision insurance helps cover damages to your car due to a collision with another vehicle or object, such as a telephone pole or fence.
Comprehensive coverage
Comprehensive insurance helps cover non-collision-related damage, such as theft, vandalism, and natural disasters.
Rideshare insurance
Rideshare insurance protects people who drive for rideshare companies such as Uber and DoorDash.
Cheapest car insurance for drivers with an incident
You might see a spike in your insurance premium if you’re involved in certain incidents on the road, such as at-fault accidents, speeding, and driving under the influence (DUI).[4]
The table below will help you understand how various incidents could affect your car insurance rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ | With Speeding Ticket ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Direct Auto | $42 | $64 | $59 | $74 |
| CSAA | $56 | $86 | $80 | $90 |
| Safeco | $58 | $85 | $82 | $96 |
| Dairyland | $60 | $88 | $84 | $106 |
| Bristol West | $61 | $90 | $86 | $108 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Senior drivers and teen drivers generally pay more for car insurance. Young drivers have less experience on the road and higher accident rates.[5] Similarly, older drivers might have age-related changes, such as differences in hearing or slower reflexes, that affect their driving skills.[6]
Here are some car insurance quotes by age in Aberdeen.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $270 |
| 20s | $182 |
| 30s | $142 |
| 40s | $127 |
| 50s | $113 |
| 60s | $107 |
| 70s | $110 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Aberdeen car insurance quotes by credit tier
Like most states, South Dakota allows auto insurance companies to consider your credit history when calculating your insurance rates.
People with poor credit scores pay more for car insurance than people with excellent or good credit scores because, statistically, people with a low insurance score are more likely to file a claim.[7]
Here are the average monthly quotes for Aberdeen drivers for each of the following credit tiers:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Aberdeen car insurance FAQs
If you’re shopping for car insurance in Aberdeen, this additional information may help as you research your coverage options.
How much is car insurance in Aberdeen?
Car insurance in Aberdeen costs $57 per month for liability-only coverage and $149 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in South Dakota?
Safeco has the cheapest car insurance in South Dakota, with liability-only rates averaging $46 per month. Other cheap insurers include State Auto and Midvale Home & Auto, with liability-only rates averaging $47 and $52 per month, respectively.
The cheapest insurance company for you will depend on factors such as your age, ZIP code, type of car you drive, and chosen coverage.
What are the best car insurance companies in Aberdeen?
With a high IQ Score, AM Best financial strength rating of A++ (Superior), and positive customer service reviews, USAA is one of the best car insurance companies in Aberdeen. However, it’s only available to active-duty military members, veterans, and their families.
Other top insurers to consider in Aberdeen include Midvale Home & Auto and Safeco.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in South Dakota
Sources
- Census.gov. "QuickFacts Aberdeen City, South Dakota."
- Insurance Information Institute. "How to save money on car insurance."
- South Dakota Department of Labor & Regulation. "Automobile Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "een Drivers and Passengers: Get the Facts."
- Insurance Information Institute. "https://www.iii.org/article/senior-driving-safety-and-insurance-tips."
- Insurance Information Institute. "Credit and insurance scores."
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Theresa Stevens
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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