Cheapest Car Insurance Quotes in Brookings

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Brookings 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 Brookings

The car insurance rate in Brookings is $736 for a six-month policy, which is $120 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $337, making it a popular choice for budget-conscious drivers. Rates in Brookings 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 Brookings

$736

Avg. Car Insurance in South Dakota

$856

National Average

$1140

Cheapest Car Insurance Companies in Brookings

1st place: Kemper

At $337 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 $388 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 $445 for six months, making it the third cheapest auto insurance company in Brookings.

Brookings Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brookings, SD is Kemper, offering policies at just $337 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $388.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brookings drivers find the best deals.

Cheap Car Insurance Companies in Brookings, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$58
Farmers Mutual of Nebraska	$388	$65
Auto-Owners Insurance Co	$445	$76
American Family	$593	$100
State Farm	$721	$121
Allstate	$838	$141
USAA	$843	$142
Auto-Owners	$858	$143
Progressive	$904	$152
Nationwide	$940	$158
North Star Mutual	$966	$164
Farmers	$1011	$170

Key Takeaways

Way's key takeaways about car insurance in Brookings

The auto insurance costs in Brookings fall around $337 for six months.
The cheapest auto insurance company in Brookings is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Brookings at $746 per month.

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Cheapest Minimum Liability Car Insurance in Brookings

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 Brookings are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Brookings. Their Average 6 Month Premium is $92. Farmers is the most expensive at $322 for the same period.

Cheapest Liability Coverage in Brookings, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$92	$15
Kemper	$118	$20
USAA	$118	$20
American Family	$123	$21
Auto-Owners	$132	$22
North Star Mutual	$132	$22
Auto-Owners Insurance Co	$138	$23
Progressive	$138	$23
State Farm	$138	$23
North Star Mutual Insurance	$184	$31
Nationwide	$281	$47
Allstate	$301	$50
Farmers	$322	$55

Cheapest Full Coverage Car Insurance in Brookings

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 Brookings is Kemper at $58 per month and $337 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brookings, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$58
Farmers Mutual of Nebraska	$388	$65
Auto-Owners Insurance Co	$445	$76
American Family	$593	$100
State Farm	$721	$121
Allstate	$838	$141
USAA	$843	$142
Auto-Owners	$858	$143
Progressive	$904	$152
Nationwide	$940	$158
North Star Mutual	$966	$164
Farmers	$1011	$170

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Average Car Insurance in Brookings 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 Brookings, SD increasing?

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

Car Insurance Premiums by Age in Brookings

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

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Cheapest Car Insurance Rates for Teen Drivers in Brookings,SD

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the Brookings at $28 per month. At $4388 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$163	$28
Kemper	$169	$28
Auto-Owners Insurance Co	$179	$30
Farmers Mutual of Nebraska	$531	$89
State Farm	$1022	$172
USAA	$1083	$182
American Family	$1395	$235
Progressive	$1604	$270
North Star Mutual	$2043	$347
Auto-Owners	$2130	$355
Nationwide	$2794	$470
Farmers	$2952	$492
Allstate	$4388	$746

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 Brookings, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $87 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 Brookings is State Farm, offering rates of around $2835 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$87	$15
Western National	$153	$26
Iowa Farm Bureau	$205	$34
Kemper	$235	$40
American Family	$817	$138
Progressive	$869	$146
USAA	$1298	$221
North Star Mutual	$1599	$267
Farmers	$1604	$273
Nationwide	$1686	$281
State Farm	$2835	$482

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Car Insurance Rates with An Accident in Brookings

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

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

The cheapest car insurance companies after an at-fault accident in Brookings include Western National and Kemper, offering $163 and $184, respectively. North Star Mutual is an expensive provider with an average six-month premium of $1661.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$163	$28
Kemper	$184	$31
Auto-Owners Insurance Co	$189	$32
North Star Mutual Insurance	$281	$48
Farmers Mutual of Nebraska	$384	$65
State Farm	$393	$66
USAA	$587	$99
Progressive	$618	$104
Auto-Owners	$634	$107
American Family	$838	$141
Allstate	$1226	$205
Farmers	$1374	$234
Nationwide	$1609	$271
North Star Mutual	$1661	$282

Brookings Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brookings SD. For example, the car insurance in Brookings after a DUI increases to $746 for a six month policy. While the rate increases by $143 for a six-month policy in the case of a speeding ticket.

Brookings auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$142
One Med/PIP claim	$853	$145
Not-at-fault accident	$874	$145
Two Med/PIP claims	$904	$154
One comp claim	$909	$151
Failure to show documents	$940	$160
Two comp claims	$940	$157
Failure to wear a seat belt	$966	$164
Child safety restraint	$980	$163
Driving without lights	$980	$167
Driving with expired registration	$986	$164
Wrong way/wrong lane	$986	$168
Cell phone violation	$991	$165
Driving too slowly	$991	$169
Texting while driving	$991	$165
Failure to stop at a red light	$996	$169
Failure to yield	$996	$166
Following too closely	$996	$169
Illegal turn	$996	$166
Speeding 6 - 10 MPH over limit	$996	$169
Improper passing	$1006	$168
Speeding 11 - 15 MPH over limit	$1011	$172
Speeding 16 - 20 MPH over limit	$1017	$169
Operating a vehicle without permission	$1042	$177
At-fault accident - less than $1000	$1053	$175
In 65 MPH zone	$1053	$179
Speeding in school zone	$1058	$176
Speeding 21 - 25 MPH over limit	$1083	$184
Passing school bus	$1129	$188
Open container	$1170	$199
At-fault accident - $1000-$2000	$1185	$198
At-fault accident - greater than $2000	$1185	$201
Driving with a suspended license	$1430	$238
Reckless driving	$1446	$246
Refusal to submit to a chemical test	$1527	$255
Racing	$1578	$268
DUI	$1599	$267
Leaving scene of an accident/hit and run	$1635	$278

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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 Brookings 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 Brookings.

The cheapest car insurance premiums in Brookings are offered by Western National at $153 for a six-month policy. However, it can be as expensive as $2774 with companies like North Star Mutual.

Brookings car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$153	$26
Farmers Mutual of Nebraska	$547	$92
State Farm	$567	$95
Progressive	$582	$98
Auto-Owners	$914	$154
American Family	$919	$155
USAA	$1134	$191
Allstate	$1364	$232
Farmers	$1446	$241
Nationwide	$2115	$356
North Star Mutual	$2774	$463

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 Brookings are offered by Farmers Mutual of Nebraska at $92. However, it can be as expensive as $1512 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brookings after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$92	$15
Kemper	$143	$24
Western National	$153	$26
Auto-Owners Insurance Co	$158	$27
State Farm	$266	$45
USAA	$398	$68
Progressive	$439	$74
North Star Mutual	$485	$83
American Family	$562	$95
Nationwide	$1287	$219
Farmers	$1512	$252

Car Insurance Price Trends in Brookings, South Dakota

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

The average cost of full coverage in the Brookings rose by $143 in December compared to $142 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Brookings remained steady at $26 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Brookings?

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

What is the cheapest car insurance in Brookings?

The cheapest car insurance in Brookings is $58 per month for full coverage.

How much is car insurance in Brookings for teenagers?

Car insurance for teenagers costs $163 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 Brookings?

The average cost of car insurance is $856 for a six-month policy. It will cost around $124 per month to insure your car in Brookings.

Is car insurance expensive in Brookings?

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

What is the best car insurance in Brookings, SD?

The best car insurance company in Brookings SD is Kemper, offering $337 for a six-month policy.