Cheapest Car Insurance Quotes in Chamberlain

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Chamberlain Car Insurance

^$ 18

/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 Chamberlain

The car insurance rate in Chamberlain is $992 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $315, making it a popular choice for budget-conscious drivers. Rates in Chamberlain 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 Chamberlain

$992

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Chamberlain

1st place: American Family

At $315 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 $408 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 $506 for six months, making it the third cheapest auto insurance company in Chamberlain.

Chamberlain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chamberlain, SD is American Family, offering policies at just $315 for a six-month term. This is followed by Kemper, which has an average six-month premium of $408.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1872 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chamberlain drivers find the best deals.

Cheap Car Insurance Companies in Chamberlain, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$315	$52
Kemper	$408	$70
Farmers Mutual of Nebraska	$506	$85
Auto-Owners Insurance Co	$538	$92
State Farm	$933	$157
Allstate	$1013	$171
Progressive	$1019	$172
USAA	$1044	$176
Nationwide	$1192	$201
Auto-Owners	$1204	$203
Farmers	$1229	$207
North Star Mutual	$1637	$279
Farm Bureau	$1872	$312

Key Takeaways

Way's key takeaways about car insurance in Chamberlain

The auto insurance costs in Chamberlain fall around $315 for six months.
The cheapest auto insurance company in Chamberlain is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Chamberlain at $595 per month.

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Cheapest Minimum Liability Car Insurance in Chamberlain

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 Chamberlain are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Chamberlain. Their Average 6 Month Premium is $105. Farmers is the most expensive at $389 for the same period.

Cheapest Liability Coverage in Chamberlain, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$105	$18
American Family	$124	$21
Kemper	$142	$24
USAA	$149	$25
Progressive	$155	$26
Auto-Owners Insurance Co	$166	$28
State Farm	$173	$29
North Star Mutual	$185	$31
Auto-Owners	$191	$32
North Star Mutual Insurance	$223	$37
Farm Bureau	$259	$44
Nationwide	$334	$56
Allstate	$364	$62
Farmers	$389	$67

Cheapest Full Coverage Car Insurance in Chamberlain

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 Chamberlain is American Family at $52 per month and $315 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chamberlain, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$315	$52
Kemper	$408	$70
Farmers Mutual of Nebraska	$506	$85
Auto-Owners Insurance Co	$538	$92
State Farm	$933	$157
Allstate	$1013	$171
Progressive	$1019	$172
USAA	$1044	$176
Nationwide	$1192	$201
Auto-Owners	$1204	$203
Farmers	$1229	$207
North Star Mutual	$1637	$279
Farm Bureau	$1872	$312

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Average Car Insurance in Chamberlain 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 Chamberlain, SD increasing?

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

Car Insurance Premiums by Age in Chamberlain

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 Chamberlain,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Chamberlain at $27 per month. At $3570 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$160	$27
North Star Mutual Insurance	$198	$33
Kemper	$204	$34
Auto-Owners Insurance Co	$216	$36
Farmers Mutual of Nebraska	$797	$134
USAA	$1396	$235
State Farm	$1414	$238
Progressive	$1803	$304
North Star Mutual	$2112	$353
Auto-Owners	$2984	$502
Nationwide	$3490	$588
Farm Bureau	$3558	$605
Allstate	$5306	$884
Farmers	$3570	$595

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 Chamberlain, American Family is the cheapest car insurance provider. At $142 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 Chamberlain is Farmers, offering rates of around $1940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Western National	$185	$31
Iowa Farm Bureau	$248	$42
Kemper	$284	$48
Farmers Mutual of Nebraska	$500	$84
Progressive	$766	$129
USAA	$1754	$298
Nationwide	$2242	$373
North Star Mutual	$2719	$462
Farm Bureau	$3509	$584
Auto-Owners	$4232	$720
State Farm	$5146	$858
Farmers	$1940	$330

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Car Insurance Rates with An Accident in Chamberlain

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

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

The cheapest car insurance companies after an at-fault accident in Chamberlain include American Family and Western National, offering $173 and $198, respectively. Farmers is an expensive provider with an average six-month premium of $1662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$173	$29
Western National	$198	$33
Kemper	$223	$37
Auto-Owners Insurance Co	$229	$38
North Star Mutual Insurance	$340	$56
State Farm	$531	$89
Farmers Mutual of Nebraska	$574	$97
Progressive	$710	$120
USAA	$748	$126
Auto-Owners	$1143	$192
Allstate	$1483	$248
Nationwide	$2051	$345
North Star Mutual	$2830	$471
Farm Bureau	$2872	$489
Farmers	$1662	$283

Chamberlain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chamberlain SD. For example, the car insurance in Chamberlain after a DUI increases to $901 for a six month policy. While the rate increases by $172 for a six-month policy in the case of a speeding ticket.

Chamberlain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1032	$176
Not-at-fault accident	$1057	$176
Two Med/PIP claims	$1093	$186
One comp claim	$1099	$183
Failure to show documents	$1137	$193
Two comp claims	$1137	$189
Failure to wear a seat belt	$1168	$199
Child safety restraint	$1186	$198
Driving without lights	$1186	$202
Driving with expired registration	$1192	$199
Wrong way/wrong lane	$1192	$203
Cell phone violation	$1198	$200
Driving too slowly	$1198	$204
Texting while driving	$1198	$200
Failure to stop at a red light	$1204	$205
Failure to yield	$1204	$201
Following too closely	$1204	$205
Illegal turn	$1204	$201
Speeding 6 - 10 MPH over limit	$1204	$205
Improper passing	$1217	$203
Speeding 11 - 15 MPH over limit	$1223	$208
Speeding 16 - 20 MPH over limit	$1229	$205
Operating a vehicle without permission	$1260	$214
At-fault accident - less than $1000	$1273	$212
In 65 MPH zone	$1273	$216
Speeding in school zone	$1279	$213
Speeding 21 - 25 MPH over limit	$1309	$223
Passing school bus	$1366	$228
Open container	$1414	$240
At-fault accident - $1000-$2000	$1433	$239
At-fault accident - greater than $2000	$1433	$243
Driving with a suspended license	$1730	$288
Reckless driving	$1748	$297
Refusal to submit to a chemical test	$1847	$308
Racing	$1908	$324
DUI	$1933	$322
Leaving scene of an accident/hit and run	$1977	$336

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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 Chamberlain 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 Chamberlain.

The cheapest car insurance premiums in Chamberlain are offered by American Family at $166 for a six-month policy. However, it can be as expensive as $1748 with companies like Farmers.

Chamberlain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Western National	$185	$31
Progressive	$655	$110
Farmers Mutual of Nebraska	$822	$138
State Farm	$822	$138
USAA	$1446	$243
Auto-Owners	$1551	$261
Allstate	$1649	$281
Nationwide	$2706	$456
Farm Bureau	$3960	$673
North Star Mutual	$4726	$787
Farmers	$1748	$291

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 Chamberlain are offered by American Family at $166. However, it can be as expensive as $1828 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Chamberlain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
Kemper	$173	$29
Western National	$185	$31
Auto-Owners Insurance Co	$191	$32
Farmers Mutual of Nebraska	$284	$48
Progressive	$383	$64
State Farm	$383	$64
North Star Mutual	$488	$83
USAA	$605	$101
Auto-Owners	$1106	$188
Farm Bureau	$1211	$202
Nationwide	$1471	$250
Farmers	$1828	$305

Car Insurance Price Trends in Chamberlain, South Dakota

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

The average cost of full coverage in the Chamberlain rose by $176 in January compared to $173 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 Chamberlain remained steady at $31 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 Chamberlain?

The car insurance in Chamberlain is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Chamberlain?

The cheapest car insurance in Chamberlain is $52 per month for full coverage.

How much is car insurance in Chamberlain for teenagers?

Car insurance for teenagers costs $160 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 Chamberlain?

The average cost of car insurance is $954 for a six-month policy. It will cost around $166 per month to insure your car in Chamberlain.

Is car insurance expensive in Chamberlain?

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

What is the best car insurance in Chamberlain, SD?

The best car insurance company in Chamberlain SD is American Family, offering $315 for a six-month policy.