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 $955 for a six-month policy, which is $110 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, 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

$955

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Buffalo Gap

1st place: Kemper

At $443 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 $510 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 $584 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 Kemper, offering policies at just $443 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $510.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1269 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
Kemper	$443	$73
Farmers Mutual of Nebraska	$510	$86
Auto-Owners Insurance Co	$584	$97
American Family	$779	$131
State Farm	$947	$159
Allstate	$1101	$185
USAA	$1107	$186
Auto-Owners	$1128	$192
Farmers	$1175	$198
Progressive	$1188	$200
Nationwide	$1235	$208
North Star Mutual	$1269	$216

Key Takeaways

Way's key takeaways about car insurance in Buffalo Gap

The auto insurance costs in Buffalo Gap fall around $443 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 $35 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 $121. North Star Mutual Insurance is the most expensive at $194 for the same period.

Cheapest Liability Coverage in Buffalo Gap, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$121	$20
Kemper	$155	$26
USAA	$155	$26
American Family	$162	$27
Auto-Owners	$174	$29
North Star Mutual	$174	$29
Auto-Owners Insurance Co	$181	$31
Progressive	$181	$31
State Farm	$181	$31
Farmers	$302	$51
Nationwide	$370	$62
Allstate	$395	$68
North Star Mutual Insurance	$194	$33

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 Kemper at $73 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buffalo Gap, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$443	$73
Farmers Mutual of Nebraska	$510	$86
Auto-Owners Insurance Co	$584	$97
American Family	$779	$131
State Farm	$947	$159
Allstate	$1101	$185
USAA	$1107	$186
Auto-Owners	$1128	$192
Farmers	$1175	$198
Progressive	$1188	$200
Nationwide	$1235	$208
North Star Mutual	$1269	$216

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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, Kemper provides the cheapest car insurance in the Buffalo Gap at $37 per month. At $208 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	$221	$37
Auto-Owners Insurance Co	$235	$40
Farmers Mutual of Nebraska	$698	$118
State Farm	$1342	$226
USAA	$1423	$240
American Family	$1833	$308
Farmers	$2020	$340
Progressive	$2107	$355
North Star Mutual	$2685	$457
Auto-Owners	$2799	$467
Nationwide	$3671	$618
Allstate	$5765	$960
North Star Mutual Insurance	$208	$35

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $114 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 State Farm, offering rates of around $3726 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$114	$19
Western National	$201	$34
Iowa Farm Bureau	$269	$45
Kemper	$308	$52
American Family	$1074	$181
Progressive	$1141	$192
USAA	$1705	$284
North Star Mutual	$2101	$357
Farmers	$2107	$351
Nationwide	$2215	$376
State Farm	$3726	$620

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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 Western National and Kemper, offering $215 and $242, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $349.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$215	$36
Kemper	$242	$41
Auto-Owners Insurance Co	$249	$42
Farmers Mutual of Nebraska	$504	$85
State Farm	$516	$87
USAA	$772	$130
Progressive	$812	$137
Auto-Owners	$833	$140
Farmers	$1014	$171
American Family	$1101	$185
Allstate	$1611	$269
Nationwide	$2114	$356
North Star Mutual	$2182	$364
North Star Mutual Insurance	$349	$60

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 $980 for a six month policy. While the rate increases by $188 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	$1121	$186
One Med/PIP claim	$1121	$191
Not-at-fault accident	$1148	$191
Two Med/PIP claims	$1188	$202
One comp claim	$1194	$199
Failure to show documents	$1235	$210
Two comp claims	$1235	$206
Failure to wear a seat belt	$1269	$216
Child safety restraint	$1288	$215
Driving without lights	$1288	$219
Driving with expired registration	$1295	$216
Wrong way/wrong lane	$1295	$220
Cell phone violation	$1302	$217
Driving too slowly	$1302	$221
Texting while driving	$1302	$217
Failure to stop at a red light	$1309	$223
Failure to yield	$1309	$218
Following too closely	$1309	$223
Illegal turn	$1309	$218
Speeding 6 - 10 MPH over limit	$1309	$223
Improper passing	$1322	$220
Speeding 11 - 15 MPH over limit	$1329	$226
Speeding 16 - 20 MPH over limit	$1336	$223
Operating a vehicle without permission	$1370	$233
At-fault accident - less than $1000	$1383	$231
In 65 MPH zone	$1383	$235
Speeding in school zone	$1390	$232
Speeding 21 - 25 MPH over limit	$1423	$242
Passing school bus	$1484	$247
Open container	$1537	$261
At-fault accident - $1000-$2000	$1557	$260
At-fault accident - greater than $2000	$1557	$264
Driving with a suspended license	$1879	$313
Reckless driving	$1900	$323
Refusal to submit to a chemical test	$2007	$334
Racing	$2074	$353
DUI	$2101	$350
Leaving scene of an accident/hit and run	$2148	$365

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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 Western National at $201 for a six-month policy. However, it can be as expensive as $3644 with companies like North Star Mutual.

Buffalo Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$201	$34
Farmers Mutual of Nebraska	$719	$121
State Farm	$745	$125
Progressive	$765	$129
Farmers	$1107	$186
American Family	$1208	$203
USAA	$1490	$251
Allstate	$1792	$298
Auto-Owners	$1819	$310
Nationwide	$2779	$468
North Star Mutual	$3644	$619

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 Farmers Mutual of Nebraska at $121. However, it can be as expensive as $1987 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
Farmers Mutual of Nebraska	$121	$20
Kemper	$188	$32
Western National	$201	$34
Auto-Owners Insurance Co	$208	$35
State Farm	$349	$59
USAA	$523	$89
Progressive	$577	$97
North Star Mutual	$637	$108
American Family	$738	$124
Nationwide	$1692	$288
Farmers	$1987	$331

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 remained steady at $186 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Buffalo Gap remained steady at $34 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 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 $73 per month for full coverage.

How much is car insurance in Buffalo Gap for teenagers?

Car insurance for teenagers costs $221 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 $845 for a six-month policy. It will cost around $160 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 Kemper, offering $443 for a six-month policy.