Cheap Auto Insurance Quotes in Brookings, SD (January 2022)

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Last Updated: January 2022

Car Insurance in Brookings, 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 Brookings, SD to find you the cheapest quotes in the area.
$46
$55
$93
$97
$140
AllstateState FarmProgressiveGEICOThe General

Cheapest Car Insurance in Brookings, 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!

Average Car Insurance Cost

$93
$103
$84
$92
$101
$86
South DakotaSioux FallsRapid CityAberdeenWatertownBrookings
Click here to learn about car insurance quotes and save on your current policy.

Brookings, SD Driving Facts

south-dakota

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 Brookings agents

American Trust Insurance, LLC 
100 Main Ave, Brookings, SD 57006
Farmers Union Insurance Agency 
426 Main Ave, Brookings, SD 57006
Dakota Insurance-The Rohl Agency 
126 Main Ave Suite 1, Brookings, SD 57006
Fishback Insurance Agency 
520 6th Street, Brookings, SD 57006
Dakotaland Community Insurance 
2423 6th Street, Brookings, SD 57006
King Insurance Agency, Inc. 
101 Main Ave, Brookings, SD 57006-3057
Dacotah Insurance 
1441 6th St, Brookings, SD 57006
Kevin Witte - State Farm Insurance Agent
2312 6th St, Brookings, SD 57006
Farmers Insurance / Bothun Insurance
307 6th St, Brookings, SD 57006
Adam Holtquist - State Farm Insurance Agent
511 Main Ave, Brookings, SD 57006

Insurify Insights: How Brookings Drivers Measure Up

chevrolet
Chevrolet Equinox
Most Popular Car in
Brookings, SD
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Brookings drivers measure up to their fellow South Dakota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Brookings

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Brookings is the Chevrolet Equinox.

DUI/DWIs in Brookings

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Brookings drivers rank -- in the number of DUI’s per driver across all cities in South Dakota.

  • Rank within state: #--
  • Percent of drivers in Brookings with a DUI: {{percentDrivers}}%
  • Drivers in Brookings, SD with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Brookings

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Dakota, Brookings drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Brookings with a speeding ticket: {{percentDrivers}}%
  • Drivers in Brookings, SD with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

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.


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