Cheapest Auto Insurance in Aberdeen, South Dakota (2024)

Drivers in Aberdeen pay an average of $57 per month for liability-only car insurance.

Theresa Stevens
Theresa Stevens
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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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Ashley Cox
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Ashley CoxSenior Managing Editor
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Updated April 22, 2024

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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 $172 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Bristol West2.2$196$73High-risk drivers
Safeco3.8$129$46Discounts
USAA4.5N/AN/AMilitary 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
A.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
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.
$70/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.
$186/mo

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

Read our Bristol West review
Paul - April 21, 2024
Verified

It was inexpensive, but if you were an hour late in making the payment, the policy would get cancelled and you would be charged a $45.00 late fee.

It was inexpensive, but if you were an hour late in making the payment, the policy would get cancelled and you would be charged a $45.00 late fee.

Terence - April 20, 2024
Verified

Poor

Their prices are too high.

Barry - April 1, 2024
Verified

Terrific

Absolutely great.

Best insurer for discounts: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
A.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
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.
$103/mo

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

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$46/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.
$100/mo

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

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto49
Dairyland58
CSAA68
Bristol West70
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 $172 per month. Here are average full-coverage car insurance rates from top companies in Aberdeen.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto96
Safeco103
CSAA138
Dairyland175
Bristol West186
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.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance helps cover non-collision-related damage, such as theft, vandalism, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordWith AccidentWith Speeding TicketWith DUI
Dairyland58868599
CSAA6810499116
Bristol West70102101120
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 health problems, such as impaired hearing or slower reflexes, that affect their driving skills.[6]

Here are some car insurance quotes by age in Aberdeen.

AgeAverage 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Census.gov. "QuickFacts Aberdeen City, South Dakota."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. South Dakota Department of Labor & Regulation. "Automobile Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Centers for Disease Control and Prevention. "een Drivers and Passengers: Get the Facts."
  6. Insurance Information Institute. "https://www.iii.org/article/senior-driving-safety-and-insurance-tips."
  7. Insurance Information Institute. "Credit and insurance scores."
Theresa Stevens
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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.

Featured in

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