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Cheap Auto Insurance Quotes in Aberdeen, SD (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Aberdeen is $123 per month, or $1476 annually.
- Car insurance in Aberdeen is $25 less than the average cost of car insurance in South Dakota.
- The cheapest car insurance provider in Aberdeen on average is Midvale Home & Auto, but you should always compare quotes to find your best personal rate.
Car Insurance in Aberdeen, SD
The average cost of South Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Aberdeen, SD to find you the cheapest quotes in the area.
Quotes by Top Companies
Allstate$48
State Farm$52
Progressive$91
The General$132
American Family$136
Cheapest Car Insurance in Aberdeen, SD
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Aberdeen | Quotes |
|---|---|
| Allstate | $48 /mo |
| State Farm | $52 /mo |
| Progressive | $91 /mo |
| The General | $132 /mo |
| American Family | $136 /mo |
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Average Car Insurance Cost
| South Dakota Cities | |
|---|---|
| Sioux Falls | $103/mo |
| Rapid City | $84/mo |
| Brookings | $86/mo |
| Watertown | $101/mo |
| Aberdeen | $92/mo |
| South Dakota | $93/mo |
Rapid City$84
Brookings$86
Aberdeen$92
Average for SD$93
Watertown$101
Sioux Falls$103
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Minimum Car Insurance Requirements in SD
The state of South Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in South Dakota are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that South Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liability insurance requirements in South Dakota are:
- $25,000 property damage liability per accident
Property damage liability coverage pays for any property that you damage in an accident. The state of South Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 7.7 percent, or just over one out of thirteen, South Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:
- $25,000 uninsured/underinsured motorist bodily injury per person
- $50,000 uninsured/underinsured motorist bodily injury per accident
Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance. Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.
Find local Aberdeen agents
Insurance Plus
405 NW 8th Ave Ste 204,
Aberdeen, SD 57401Dacotah Insurance
308 S Main St,
Aberdeen, SD 57401-4146Four Quarters Insurance Group, LLC
39205 133rd St Ste 300,
Aberdeen, SD 57401-8576John Sieh Agency
702 S Main St,
Aberdeen, SD 57401-6015Dacotah Insurance
308 S Main St,
Aberdeen, SD 57402Jency Agency, Inc.
523 S. Main Street,
Aberdeen, SD 57401Squire Lussem Agency
902 S Main St,
Aberdeen, SD 57401-6019DFS Insurance
2324 NE 8th Ave STE 1,
Aberdeen, SD 57401-3215DFS Insurance
2324 ne 8th Ave,
Aberdeen, SD 57401Farmers Union Insurance Agency
P O Box 1278,
Aberdeen, SD 57401
FAQs - Aberdeen, SD Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Aberdeen Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Aberdeen, South Dakota below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Aberdeen drivers measure up to their fellow motorists across South Dakota in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Silverado
Most Popular Car in Aberdeen
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City with the Most Speeding Tickets Rank in South Dakota
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City with the Most Moving Violations Rank in South Dakota
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City with the Most DUIs Rank in South Dakota
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City with the Most Suspended Licenses in South Dakota
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Aberdeen is the Chevrolet Silverado.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Aberdeen drivers rank in the number of DUI’s per driver across all cities in South Dakota.
- Rank within state: #
- Percent of drivers in Aberdeen with a DUI: {{percentDrivers}}%
- Drivers in Aberdeen, SD with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Dakota, Aberdeen drivers rank in the number of speeding infractions per driver.
- Rank within state: #
- Percent of drivers in Aberdeen with a speeding ticket: {{percentDrivers}}%
- Drivers in Aberdeen, SD with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.