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
  • 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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Ashley Cox
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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.

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Updated July 25, 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 $67 for liability insurance and $179 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Bristol West5.2$196$73High-risk drivers
Safeco8.3$129$46Discounts
USAA9.4N/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 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

Compare personalized, real-time quotes
User Reviews
2.8
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.
$59/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

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 more driver reviews of Bristol West
Garlinda - July 24, 2024
Verified

Fair

They don't provide roadside service.

Frances - July 22, 2024
Verified

Wouldn't Recommend

Their rates are exorbitant. I find the policy too expensive.

Edgar - July 19, 2024
Verified

Poor Insurance Service

I wouldn't recommend Bristol West for your insurance. They have very poor customer support. They put you on hold for 30 minutes and never get back to you.

Best insurer for discounts: Safeco

Compare personalized, real-time quotes
User Reviews
3.4
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.
$49/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.
$87/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 more driver reviews of Safeco
Richard - July 22, 2024
Verified

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

Lisa - July 21, 2024
Verified

Unfortunately

They are not helpful in maintaining positive communication with customers.

Maryjane - July 21, 2024
Verified

Just Looking

They provide a quarterly statement of coverage and cost.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$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 more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

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 $67 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Dairyland$49
Safeco$49
CSAA$55
Bristol West$59
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 $179 per month. Here are average full-coverage car insurance rates from top companies in Aberdeen.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco$87
CSAA$112
Dairyland$153
Bristol West$158
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.

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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith AccidentWith Speeding TicketWith DUI
Dairyland$49$72$70$88
Safeco$49$70$71$88
CSAA$55$84$80$98
Bristol West$59$86$84$106
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.

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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