Cheapest Car Insurance Quotes in Blackhawk

Finding the cheapest car insurance quotes in Blackhawk shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Blackhawk Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Blackhawk

The car insurance rate in Blackhawk is $887 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Blackhawk can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Blackhawk

$887

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Blackhawk

1st place: Kemper

At $412 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $474 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $543 for six months, making it the third cheapest auto insurance company in Blackhawk.

Blackhawk Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blackhawk, SD is Kemper, offering policies at just $412 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $474.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1179 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blackhawk drivers find the best deals.

Cheap Car Insurance Companies in Blackhawk, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$412	$68
Farmers Mutual of Nebraska	$474	$80
Auto-Owners Insurance Co	$543	$90
American Family	$723	$122
State Farm	$880	$148
Allstate	$1023	$172
USAA	$1029	$173
Auto-Owners	$1048	$179
Farmers	$1092	$184
Progressive	$1104	$186
Nationwide	$1148	$193
North Star Mutual	$1179	$201

Key Takeaways

Way's key takeaways about car insurance in Blackhawk

The auto insurance costs in Blackhawk fall around $412 for six months.
The cheapest auto insurance company in Blackhawk is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Blackhawk at $33 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Blackhawk

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Blackhawk are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Blackhawk. Their Average 6 Month Premium is $112. North Star Mutual Insurance is the most expensive at $181 for the same period.

Cheapest Liability Coverage in Blackhawk, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$112	$19
Kemper	$144	$24
USAA	$144	$24
American Family	$150	$25
Auto-Owners	$162	$27
North Star Mutual	$162	$27
Auto-Owners Insurance Co	$168	$28
Progressive	$168	$28
State Farm	$168	$28
Farmers	$280	$47
Nationwide	$343	$58
Allstate	$368	$63
North Star Mutual Insurance	$181	$30

Cheapest Full Coverage Car Insurance in Blackhawk

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Blackhawk is Kemper at $68 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blackhawk, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$412	$68
Farmers Mutual of Nebraska	$474	$80
Auto-Owners Insurance Co	$543	$90
American Family	$723	$122
State Farm	$880	$148
Allstate	$1023	$172
USAA	$1029	$173
Auto-Owners	$1048	$179
Farmers	$1092	$184
Progressive	$1104	$186
Nationwide	$1148	$193
North Star Mutual	$1179	$201

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Blackhawk Instantly!

Average Car Insurance in Blackhawk by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Blackhawk, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Blackhawk, South Dakota, may be increasing due to several external factors. South Dakota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Blackhawk's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Blackhawk

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Blackhawk,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Blackhawk at $35 per month. At $193 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$206	$35
Auto-Owners Insurance Co	$218	$37
Farmers Mutual of Nebraska	$649	$109
State Farm	$1247	$210
USAA	$1322	$223
American Family	$1703	$287
Farmers	$1877	$316
Progressive	$1958	$330
North Star Mutual	$2495	$424
Auto-Owners	$2601	$434
Nationwide	$3411	$574
Allstate	$5357	$893
North Star Mutual Insurance	$193	$33

Teen Car Insurance Rates in SD by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Blackhawk, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $106 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Blackhawk is State Farm, offering rates of around $3462 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$106	$18
Western National	$187	$32
Iowa Farm Bureau	$250	$42
Kemper	$287	$48
American Family	$998	$168
Progressive	$1061	$179
USAA	$1584	$264
North Star Mutual	$1952	$332
Farmers	$1958	$327
Nationwide	$2058	$350
State Farm	$3462	$576

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Blackhawk.

Car Insurance Rates with An Accident in Blackhawk

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Blackhawk, SD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Blackhawk

The cheapest car insurance companies after an at-fault accident in Blackhawk include Western National and Kemper, offering $200 and $225, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $324.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$200	$34
Kemper	$225	$38
Auto-Owners Insurance Co	$231	$39
Farmers Mutual of Nebraska	$468	$79
State Farm	$480	$81
USAA	$717	$121
Progressive	$755	$127
Auto-Owners	$774	$130
Farmers	$942	$159
American Family	$1023	$172
Allstate	$1497	$250
Nationwide	$1965	$331
North Star Mutual	$2028	$338
North Star Mutual Insurance	$324	$56

Blackhawk Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blackhawk SD. For example, the car insurance in Blackhawk after a DUI increases to $910 for a six month policy. While the rate increases by $174 for a six-month policy in the case of a speeding ticket.

Blackhawk auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1042	$177
Not-at-fault accident	$1067	$177
Two Med/PIP claims	$1104	$188
One comp claim	$1110	$185
Failure to show documents	$1148	$195
Two comp claims	$1148	$191
Failure to wear a seat belt	$1179	$201
Child safety restraint	$1197	$200
Driving without lights	$1197	$204
Driving with expired registration	$1203	$201
Wrong way/wrong lane	$1203	$205
Cell phone violation	$1210	$202
Driving too slowly	$1210	$206
Texting while driving	$1210	$202
Failure to stop at a red light	$1216	$207
Failure to yield	$1216	$203
Following too closely	$1216	$207
Illegal turn	$1216	$203
Speeding 6 - 10 MPH over limit	$1216	$207
Improper passing	$1229	$205
Speeding 11 - 15 MPH over limit	$1235	$210
Speeding 16 - 20 MPH over limit	$1241	$207
Operating a vehicle without permission	$1273	$216
At-fault accident - less than $1000	$1285	$214
In 65 MPH zone	$1285	$218
Speeding in school zone	$1292	$215
Speeding 21 - 25 MPH over limit	$1322	$225
Passing school bus	$1379	$230
Open container	$1428	$243
At-fault accident - $1000-$2000	$1447	$242
At-fault accident - greater than $2000	$1447	$246
Driving with a suspended license	$1746	$291
Reckless driving	$1765	$300
Refusal to submit to a chemical test	$1865	$311
Racing	$1927	$328
DUI	$1952	$326
Leaving scene of an accident/hit and run	$1996	$339

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Blackhawk after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Blackhawk.

The cheapest car insurance premiums in Blackhawk are offered by Western National at $187 for a six-month policy. However, it can be as expensive as $3386 with companies like North Star Mutual.

Blackhawk car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$187	$32
Farmers Mutual of Nebraska	$668	$112
State Farm	$692	$117
Progressive	$711	$120
Farmers	$1029	$173
American Family	$1122	$189
USAA	$1385	$233
Allstate	$1665	$277
Auto-Owners	$1691	$288
Nationwide	$2582	$435
North Star Mutual	$3386	$575

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Blackhawk are offered by Farmers Mutual of Nebraska at $112. However, it can be as expensive as $1846 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Blackhawk after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$112	$19
Kemper	$174	$29
Western National	$187	$32
Auto-Owners Insurance Co	$193	$33
State Farm	$324	$55
USAA	$486	$83
Progressive	$537	$90
North Star Mutual	$592	$101
American Family	$686	$116
Nationwide	$1572	$268
Farmers	$1846	$308

Car Insurance Price Trends in Blackhawk, South Dakota

Car insurance rates in Blackhawk have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Blackhawk remained steady at $173 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Blackhawk remained steady at $32 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Blackhawk?

The car insurance in Blackhawk is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Blackhawk?

The cheapest car insurance in Blackhawk is $68 per month for full coverage.

How much is car insurance in Blackhawk for teenagers?

Car insurance for teenagers costs $206 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Blackhawk?

The average cost of car insurance is $845 for a six-month policy. It will cost around $149 per month to insure your car in Blackhawk.

Is car insurance expensive in Blackhawk?

Car insurance can be expensive in Blackhawk if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Blackhawk can be affordable.

What is the best car insurance in Blackhawk, SD?

The best car insurance company in Blackhawk SD is Kemper, offering $412 for a six-month policy.