Cheapest Car Insurance Quotes in Buffalo Gap

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Buffalo Gap Car Insurance

^$ 20

/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 Buffalo Gap

The car insurance rate in Buffalo Gap is $1107 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $351, making it a popular choice for budget-conscious drivers. Rates in Buffalo Gap 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 Buffalo Gap

$1107

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Buffalo Gap

1st place: American Family

At $351 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 $455 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 $565 for six months, making it the third cheapest auto insurance company in Buffalo Gap.

Buffalo Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buffalo Gap, SD is American Family, offering policies at just $351 for a six-month term. This is followed by Kemper, which has an average six-month premium of $455.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2088 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buffalo Gap drivers find the best deals.

Cheap Car Insurance Companies in Buffalo Gap, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$351	$58
Kemper	$455	$78
Farmers Mutual of Nebraska	$565	$95
Auto-Owners Insurance Co	$600	$102
State Farm	$1041	$175
Allstate	$1130	$190
Progressive	$1137	$191
USAA	$1165	$196
Nationwide	$1329	$224
Auto-Owners	$1343	$226
Farmers	$1371	$231
North Star Mutual	$1826	$311
Farm Bureau	$2088	$348

Key Takeaways

Way's key takeaways about car insurance in Buffalo Gap

The auto insurance costs in Buffalo Gap fall around $351 for six months.
The cheapest auto insurance company in Buffalo Gap is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Buffalo Gap at $664 per month.

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Cheapest Minimum Liability Car Insurance in Buffalo Gap

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 Buffalo Gap are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Buffalo Gap. Their Average 6 Month Premium is $117. Farmers is the most expensive at $434 for the same period.

Cheapest Liability Coverage in Buffalo Gap, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$117	$20
American Family	$138	$23
Kemper	$159	$27
USAA	$166	$28
Progressive	$173	$29
Auto-Owners Insurance Co	$186	$31
State Farm	$193	$32
North Star Mutual	$206	$35
Auto-Owners	$213	$36
North Star Mutual Insurance	$248	$42
Farm Bureau	$289	$49
Nationwide	$372	$63
Allstate	$406	$70
Farmers	$434	$74

Cheapest Full Coverage Car Insurance in Buffalo Gap

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 Buffalo Gap is American Family at $58 per month and $351 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buffalo Gap, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$351	$58
Kemper	$455	$78
Farmers Mutual of Nebraska	$565	$95
Auto-Owners Insurance Co	$600	$102
State Farm	$1041	$175
Allstate	$1130	$190
Progressive	$1137	$191
USAA	$1165	$196
Nationwide	$1329	$224
Auto-Owners	$1343	$226
Farmers	$1371	$231
North Star Mutual	$1826	$311
Farm Bureau	$2088	$348

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Average Car Insurance in Buffalo Gap 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 Buffalo Gap, SD increasing?

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

Car Insurance Premiums by Age in Buffalo Gap

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 Buffalo Gap,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Buffalo Gap at $30 per month. At $3982 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$179	$30
North Star Mutual Insurance	$220	$37
Kemper	$227	$38
Auto-Owners Insurance Co	$241	$41
Farmers Mutual of Nebraska	$889	$150
USAA	$1557	$262
State Farm	$1578	$266
Progressive	$2011	$339
North Star Mutual	$2356	$393
Auto-Owners	$3328	$560
Nationwide	$3893	$655
Farm Bureau	$3968	$675
Allstate	$5918	$986
Farmers	$3982	$664

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 Buffalo Gap, American Family is the cheapest car insurance provider. At $159 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 Buffalo Gap is Farmers, offering rates of around $2163 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Western National	$206	$35
Iowa Farm Bureau	$276	$46
Kemper	$317	$53
Farmers Mutual of Nebraska	$558	$94
Progressive	$855	$144
USAA	$1957	$333
Nationwide	$2501	$416
North Star Mutual	$3032	$515
Farm Bureau	$3914	$652
Auto-Owners	$4720	$803
State Farm	$5740	$957
Farmers	$2163	$368

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Car Insurance Rates with An Accident in Buffalo Gap

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

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo Gap

The cheapest car insurance companies after an at-fault accident in Buffalo Gap include American Family and Western National, offering $193 and $220, respectively. Farmers is an expensive provider with an average six-month premium of $1854.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$193	$32
Western National	$220	$37
Kemper	$248	$42
Auto-Owners Insurance Co	$255	$43
North Star Mutual Insurance	$379	$63
State Farm	$593	$100
Farmers Mutual of Nebraska	$640	$108
Progressive	$792	$133
USAA	$834	$140
Auto-Owners	$1275	$215
Allstate	$1654	$276
Nationwide	$2288	$385
North Star Mutual	$3156	$525
Farm Bureau	$3204	$545
Farmers	$1854	$316

Buffalo Gap Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buffalo Gap SD. For example, the car insurance in Buffalo Gap after a DUI increases to $1005 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Buffalo Gap auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1151	$191
One Med/PIP claim	$1151	$196
Not-at-fault accident	$1179	$196
Two Med/PIP claims	$1219	$208
One comp claim	$1226	$204
Failure to show documents	$1268	$216
Two comp claims	$1268	$211
Failure to wear a seat belt	$1303	$222
Child safety restraint	$1322	$220
Driving without lights	$1322	$225
Driving with expired registration	$1329	$222
Wrong way/wrong lane	$1329	$226
Cell phone violation	$1336	$223
Driving too slowly	$1336	$227
Texting while driving	$1336	$223
Failure to stop at a red light	$1343	$229
Failure to yield	$1343	$224
Following too closely	$1343	$229
Illegal turn	$1343	$224
Speeding 6 - 10 MPH over limit	$1343	$229
Improper passing	$1357	$226
Speeding 11 - 15 MPH over limit	$1364	$232
Speeding 16 - 20 MPH over limit	$1371	$229
Operating a vehicle without permission	$1406	$239
At-fault accident - less than $1000	$1420	$237
In 65 MPH zone	$1420	$241
Speeding in school zone	$1427	$238
Speeding 21 - 25 MPH over limit	$1460	$248
Passing school bus	$1523	$254
Open container	$1578	$268
At-fault accident - $1000-$2000	$1598	$267
At-fault accident - greater than $2000	$1598	$271
Driving with a suspended license	$1929	$321
Reckless driving	$1950	$332
Refusal to submit to a chemical test	$2060	$343
Racing	$2129	$362
DUI	$2156	$360
Leaving scene of an accident/hit and run	$2205	$375

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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 Buffalo Gap 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 Buffalo Gap.

The cheapest car insurance premiums in Buffalo Gap are offered by American Family at $186 for a six-month policy. However, it can be as expensive as $1950 with companies like Farmers.

Buffalo Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Western National	$206	$35
Progressive	$731	$123
Farmers Mutual of Nebraska	$916	$154
State Farm	$916	$154
USAA	$1612	$271
Auto-Owners	$1730	$291
Allstate	$1840	$313
Nationwide	$3018	$508
Farm Bureau	$4417	$751
North Star Mutual	$5271	$878
Farmers	$1950	$325

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 Buffalo Gap are offered by American Family at $186. However, it can be as expensive as $2039 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Buffalo Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Kemper	$193	$32
Western National	$206	$35
Auto-Owners Insurance Co	$213	$36
Farmers Mutual of Nebraska	$317	$53
Progressive	$427	$72
State Farm	$427	$72
North Star Mutual	$544	$93
USAA	$675	$113
Auto-Owners	$1233	$210
Farm Bureau	$1350	$225
Nationwide	$1640	$278
Farmers	$2039	$340

Car Insurance Price Trends in Buffalo Gap, South Dakota

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

The average cost of full coverage in the Buffalo Gap rose by $196 in January compared to $193 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 Buffalo Gap remained steady at $35 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Buffalo Gap?

The car insurance in Buffalo Gap is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Buffalo Gap?

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

How much is car insurance in Buffalo Gap for teenagers?

Car insurance for teenagers costs $179 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 Buffalo Gap?

The average cost of car insurance is $954 for a six-month policy. It will cost around $186 per month to insure your car in Buffalo Gap.

Is car insurance expensive in Buffalo Gap?

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

What is the best car insurance in Buffalo Gap, SD?

The best car insurance company in Buffalo Gap SD is American Family, offering $351 for a six-month policy.