Cheapest Car Insurance Quotes in Bridgewater

Finding the cheapest car insurance quotes in Bridgewater 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

406,175 Policies Sold

Bridgewater Car Insurance

^$ 15

/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 Bridgewater

The car insurance rate in Bridgewater is $859 for a six-month policy, which is $95 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $273, making it a popular choice for budget-conscious drivers. Rates in Bridgewater 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 Bridgewater

$859

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Bridgewater

1st place: American Family

At $273 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $353 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $438 for six months, making it the third cheapest auto insurance company in Bridgewater.

Bridgewater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bridgewater, SD is American Family, offering policies at just $273 for a six-month term. This is followed by Kemper, which has an average six-month premium of $353.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1620 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bridgewater drivers find the best deals.

Cheap Car Insurance Companies in Bridgewater, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$273	$45
Kemper	$353	$60
Farmers Mutual of Nebraska	$438	$74
Auto-Owners Insurance Co	$465	$79
State Farm	$807	$136
Allstate	$877	$148
Progressive	$882	$149
USAA	$904	$152
Nationwide	$1031	$174
Auto-Owners	$1042	$176
Farmers	$1064	$179
North Star Mutual	$1417	$241
Farm Bureau	$1620	$270

Key Takeaways

Way's key takeaways about car insurance in Bridgewater

The auto insurance costs in Bridgewater fall around $273 for six months.
The cheapest auto insurance company in Bridgewater is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Bridgewater at $515 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 Bridgewater

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 Bridgewater are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Bridgewater. Their Average 6 Month Premium is $91. Farmers is the most expensive at $337 for the same period.

Cheapest Liability Coverage in Bridgewater, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$91	$15
American Family	$107	$18
Kemper	$123	$21
USAA	$129	$22
Progressive	$134	$23
Auto-Owners Insurance Co	$144	$24
State Farm	$149	$25
North Star Mutual	$160	$27
Auto-Owners	$166	$28
North Star Mutual Insurance	$193	$32
Farm Bureau	$224	$38
Nationwide	$289	$49
Allstate	$315	$54
Farmers	$337	$58

Cheapest Full Coverage Car Insurance in Bridgewater

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 Bridgewater is American Family at $45 per month and $273 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bridgewater, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$273	$45
Kemper	$353	$60
Farmers Mutual of Nebraska	$438	$74
Auto-Owners Insurance Co	$465	$79
State Farm	$807	$136
Allstate	$877	$148
Progressive	$882	$149
USAA	$904	$152
Nationwide	$1031	$174
Auto-Owners	$1042	$176
Farmers	$1064	$179
North Star Mutual	$1417	$241
Farm Bureau	$1620	$270

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bridgewater Instantly!

Average Car Insurance in Bridgewater 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 Bridgewater, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Bridgewater, 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, Bridgewater's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bridgewater

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 Bridgewater,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Bridgewater at $23 per month. At $3090 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
North Star Mutual Insurance	$171	$29
Kemper	$176	$30
Auto-Owners Insurance Co	$187	$32
Farmers Mutual of Nebraska	$689	$116
USAA	$1208	$203
State Farm	$1224	$206
Progressive	$1561	$263
North Star Mutual	$1828	$305
Auto-Owners	$2582	$435
Nationwide	$3020	$509
Farm Bureau	$3079	$524
Allstate	$4592	$765
Farmers	$3090	$515

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 Bridgewater, American Family is the cheapest car insurance provider. At $123 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 Bridgewater is Farmers, offering rates of around $1679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$123	$21
Western National	$160	$27
Iowa Farm Bureau	$214	$36
Kemper	$246	$41
Farmers Mutual of Nebraska	$433	$73
Progressive	$663	$112
USAA	$1518	$258
Nationwide	$1940	$323
North Star Mutual	$2353	$400
Farm Bureau	$3037	$506
Auto-Owners	$3662	$623
State Farm	$4453	$743
Farmers	$1679	$285

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bridgewater

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 Bridgewater, SD, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bridgewater include American Family and Western National, offering $149 and $171, respectively. Farmers is an expensive provider with an average six-month premium of $1438.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Western National	$171	$29
Kemper	$193	$32
Auto-Owners Insurance Co	$198	$33
North Star Mutual Insurance	$294	$49
State Farm	$460	$77
Farmers Mutual of Nebraska	$497	$84
Progressive	$615	$104
USAA	$647	$109
Auto-Owners	$989	$167
Allstate	$1283	$214
Nationwide	$1775	$299
North Star Mutual	$2449	$408
Farm Bureau	$2486	$423
Farmers	$1438	$245

Bridgewater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bridgewater SD. For example, the car insurance in Bridgewater after a DUI increases to $780 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Bridgewater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$893	$149
One Med/PIP claim	$893	$152
Not-at-fault accident	$914	$152
Two Med/PIP claims	$946	$161
One comp claim	$951	$158
Failure to show documents	$984	$167
Two comp claims	$984	$164
Failure to wear a seat belt	$1011	$172
Child safety restraint	$1026	$171
Driving without lights	$1026	$175
Driving with expired registration	$1031	$172
Wrong way/wrong lane	$1031	$176
Cell phone violation	$1037	$173
Driving too slowly	$1037	$176
Texting while driving	$1037	$173
Failure to stop at a red light	$1042	$177
Failure to yield	$1042	$174
Following too closely	$1042	$177
Illegal turn	$1042	$174
Speeding 6 - 10 MPH over limit	$1042	$177
Improper passing	$1053	$176
Speeding 11 - 15 MPH over limit	$1058	$180
Speeding 16 - 20 MPH over limit	$1064	$177
Operating a vehicle without permission	$1091	$185
At-fault accident - less than $1000	$1102	$184
In 65 MPH zone	$1102	$187
Speeding in school zone	$1107	$185
Speeding 21 - 25 MPH over limit	$1133	$193
Passing school bus	$1182	$197
Open container	$1224	$208
At-fault accident - $1000-$2000	$1240	$207
At-fault accident - greater than $2000	$1240	$211
Driving with a suspended license	$1497	$249
Reckless driving	$1513	$257
Refusal to submit to a chemical test	$1598	$266
Racing	$1652	$281
DUI	$1673	$279
Leaving scene of an accident/hit and run	$1711	$291

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 Bridgewater 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 Bridgewater.

The cheapest car insurance premiums in Bridgewater are offered by American Family at $144 for a six-month policy. However, it can be as expensive as $1513 with companies like Farmers.

Bridgewater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Western National	$160	$27
Progressive	$567	$95
Farmers Mutual of Nebraska	$711	$120
State Farm	$711	$120
USAA	$1251	$211
Auto-Owners	$1342	$226
Allstate	$1427	$243
Nationwide	$2342	$394
Farm Bureau	$3427	$582
North Star Mutual	$4090	$681
Farmers	$1513	$252

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 Bridgewater are offered by American Family at $144. However, it can be as expensive as $1582 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bridgewater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Kemper	$149	$25
Western National	$160	$27
Auto-Owners Insurance Co	$166	$28
Farmers Mutual of Nebraska	$246	$41
Progressive	$331	$56
State Farm	$331	$56
North Star Mutual	$422	$72
USAA	$524	$87
Auto-Owners	$957	$163
Farm Bureau	$1048	$175
Nationwide	$1273	$216
Farmers	$1582	$264

Car Insurance Price Trends in Bridgewater, South Dakota

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

The average cost of full coverage in the Bridgewater rose by $152 in January compared to $149 of December. In other words, there has been an increase by $3 when you compare January and December.

The average cost of liability insurance in the Bridgewater remained steady at $27 in both January and December, 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 Bridgewater?

The car insurance in Bridgewater is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Bridgewater?

The cheapest car insurance in Bridgewater is $45 per month for full coverage.

How much is car insurance in Bridgewater for teenagers?

Car insurance for teenagers costs $139 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 Bridgewater?

The average cost of car insurance is $954 for a six-month policy. It will cost around $144 per month to insure your car in Bridgewater.

Is car insurance expensive in Bridgewater?

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

What is the best car insurance in Bridgewater, SD?

The best car insurance company in Bridgewater SD is American Family, offering $273 for a six-month policy.