Cheapest Car Insurance Quotes in Canton

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Canton Car Insurance

^$ 16

/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 Canton

The car insurance rate in Canton is $752 for a six-month policy, which is $93 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Canton 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 Canton

$752

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Canton

1st place: Kemper

At $349 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 $401 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 $460 for six months, making it the third cheapest auto insurance company in Canton.

Canton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Canton, SD is Kemper, offering policies at just $349 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $401.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $999 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Canton drivers find the best deals.

Cheap Car Insurance Companies in Canton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$349	$58
Farmers Mutual of Nebraska	$401	$68
Auto-Owners Insurance Co	$460	$77
American Family	$613	$103
State Farm	$746	$125
Allstate	$867	$146
USAA	$872	$147
Auto-Owners	$888	$151
Farmers	$926	$156
Progressive	$935	$158
Nationwide	$973	$164
North Star Mutual	$999	$170

Key Takeaways

Way's key takeaways about car insurance in Canton

The auto insurance costs in Canton fall around $349 for six months.
The cheapest auto insurance company in Canton is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Canton at $28 per month.

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Cheapest Minimum Liability Car Insurance in Canton

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 Canton are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Canton. Their Average 6 Month Premium is $95. North Star Mutual Insurance is the most expensive at $153 for the same period.

Cheapest Liability Coverage in Canton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$95	$16
Kemper	$122	$20
USAA	$122	$20
American Family	$127	$21
Auto-Owners	$137	$23
North Star Mutual	$137	$23
Auto-Owners Insurance Co	$142	$24
Progressive	$142	$24
State Farm	$142	$24
Farmers	$238	$40
Nationwide	$291	$49
Allstate	$312	$53
North Star Mutual Insurance	$153	$26

Cheapest Full Coverage Car Insurance in Canton

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 Canton is Kemper at $58 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in Canton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$349	$58
Farmers Mutual of Nebraska	$401	$68
Auto-Owners Insurance Co	$460	$77
American Family	$613	$103
State Farm	$746	$125
Allstate	$867	$146
USAA	$872	$147
Auto-Owners	$888	$151
Farmers	$926	$156
Progressive	$935	$158
Nationwide	$973	$164
North Star Mutual	$999	$170

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Average Car Insurance in Canton 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 Canton, SD increasing?

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

Car Insurance Premiums by Age in Canton

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 Canton,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Canton at $29 per month. At $164 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	$174	$29
Auto-Owners Insurance Co	$185	$31
Farmers Mutual of Nebraska	$550	$93
State Farm	$1057	$178
USAA	$1121	$189
American Family	$1444	$243
Farmers	$1591	$268
Progressive	$1660	$279
North Star Mutual	$2115	$360
Auto-Owners	$2205	$368
Nationwide	$2892	$487
Allstate	$4541	$757
North Star Mutual Insurance	$164	$28

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 Canton, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $90 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 Canton is State Farm, offering rates of around $2934 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$90	$15
Western National	$158	$27
Iowa Farm Bureau	$212	$36
Kemper	$243	$41
American Family	$846	$142
Progressive	$899	$151
USAA	$1343	$223
North Star Mutual	$1655	$281
Farmers	$1660	$277
Nationwide	$1744	$296
State Farm	$2934	$489

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Car Insurance Rates with An Accident in Canton

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

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

The cheapest car insurance companies after an at-fault accident in Canton include Western National and Kemper, offering $169 and $190, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $275.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$169	$28
Kemper	$190	$32
Auto-Owners Insurance Co	$196	$33
Farmers Mutual of Nebraska	$397	$67
State Farm	$407	$69
USAA	$608	$102
Progressive	$640	$108
Auto-Owners	$656	$110
Farmers	$798	$134
American Family	$867	$146
Allstate	$1269	$212
Nationwide	$1665	$280
North Star Mutual	$1719	$287
North Star Mutual Insurance	$275	$47

Canton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Canton SD. For example, the car insurance in Canton after a DUI increases to $772 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Canton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$883	$147
One Med/PIP claim	$883	$150
Not-at-fault accident	$904	$150
Two Med/PIP claims	$935	$159
One comp claim	$941	$157
Failure to show documents	$973	$166
Two comp claims	$973	$162
Failure to wear a seat belt	$999	$170
Child safety restraint	$1015	$169
Driving without lights	$1015	$173
Driving with expired registration	$1020	$170
Wrong way/wrong lane	$1020	$174
Cell phone violation	$1025	$171
Driving too slowly	$1025	$174
Texting while driving	$1025	$171
Failure to stop at a red light	$1031	$175
Failure to yield	$1031	$172
Following too closely	$1031	$175
Illegal turn	$1031	$172
Speeding 6 - 10 MPH over limit	$1031	$175
Improper passing	$1041	$174
Speeding 11 - 15 MPH over limit	$1047	$178
Speeding 16 - 20 MPH over limit	$1052	$175
Operating a vehicle without permission	$1079	$183
At-fault accident - less than $1000	$1089	$182
In 65 MPH zone	$1089	$185
Speeding in school zone	$1095	$182
Speeding 21 - 25 MPH over limit	$1121	$190
Passing school bus	$1169	$195
Open container	$1210	$206
At-fault accident - $1000-$2000	$1226	$205
At-fault accident - greater than $2000	$1226	$208
Driving with a suspended license	$1480	$247
Reckless driving	$1496	$255
Refusal to submit to a chemical test	$1581	$263
Racing	$1633	$278
DUI	$1655	$276
Leaving scene of an accident/hit and run	$1692	$287

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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 Canton 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 Canton.

The cheapest car insurance premiums in Canton are offered by Western National at $158 for a six-month policy. However, it can be as expensive as $2870 with companies like North Star Mutual.

Canton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
Farmers Mutual of Nebraska	$566	$95
State Farm	$587	$99
Progressive	$603	$101
Farmers	$872	$147
American Family	$951	$160
USAA	$1174	$198
Allstate	$1412	$235
Auto-Owners	$1433	$244
Nationwide	$2189	$368
North Star Mutual	$2870	$488

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 Canton are offered by Farmers Mutual of Nebraska at $95. However, it can be as expensive as $1565 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Canton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$95	$16
Kemper	$148	$25
Western National	$158	$27
Auto-Owners Insurance Co	$164	$28
State Farm	$275	$46
USAA	$412	$70
Progressive	$455	$77
North Star Mutual	$502	$85
American Family	$581	$98
Nationwide	$1332	$227
Farmers	$1565	$261

Car Insurance Price Trends in Canton, South Dakota

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

The average cost of full coverage in the Canton remained steady at $147 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Canton remained steady at $27 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 Canton?

The car insurance in Canton is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Canton?

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

How much is car insurance in Canton for teenagers?

Car insurance for teenagers costs $174 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 Canton?

The average cost of car insurance is $845 for a six-month policy. It will cost around $126 per month to insure your car in Canton.

Is car insurance expensive in Canton?

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

What is the best car insurance in Canton, SD?

The best car insurance company in Canton SD is Kemper, offering $349 for a six-month policy.