Cheapest Car Insurance Quotes in Colonial Pine Hills

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Colonial Pine Hills Car Insurance

^$ 19

/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 Colonial Pine Hills

The car insurance rate in Colonial Pine Hills is $879 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Colonial Pine Hills 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 Colonial Pine Hills

$879

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Colonial Pine Hills

1st place: Kemper

At $408 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 $469 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 $538 for six months, making it the third cheapest auto insurance company in Colonial Pine Hills.

Colonial Pine Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colonial Pine Hills, SD is Kemper, offering policies at just $408 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $469.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1168 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colonial Pine Hills drivers find the best deals.

Cheap Car Insurance Companies in Colonial Pine Hills, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$68
Farmers Mutual of Nebraska	$469	$79
Auto-Owners Insurance Co	$538	$89
American Family	$717	$121
State Farm	$872	$147
Allstate	$1013	$171
USAA	$1019	$172
Auto-Owners	$1038	$177
Farmers	$1082	$182
Progressive	$1093	$184
Nationwide	$1137	$191
North Star Mutual	$1168	$199

Key Takeaways

Way's key takeaways about car insurance in Colonial Pine Hills

The auto insurance costs in Colonial Pine Hills fall around $408 for six months.
The cheapest auto insurance company in Colonial Pine Hills is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Colonial Pine Hills at $32 per month.

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Cheapest Minimum Liability Car Insurance in Colonial Pine Hills

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 Colonial Pine Hills are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Colonial Pine Hills. Their Average 6 Month Premium is $111. North Star Mutual Insurance is the most expensive at $179 for the same period.

Cheapest Liability Coverage in Colonial Pine Hills, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$111	$19
Kemper	$142	$24
USAA	$142	$24
American Family	$149	$25
Auto-Owners	$160	$27
North Star Mutual	$160	$27
Auto-Owners Insurance Co	$166	$28
Progressive	$166	$28
State Farm	$166	$28
Farmers	$278	$47
Nationwide	$340	$57
Allstate	$364	$62
North Star Mutual Insurance	$179	$30

Cheapest Full Coverage Car Insurance in Colonial Pine Hills

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 Colonial Pine Hills is Kemper at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colonial Pine Hills, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$68
Farmers Mutual of Nebraska	$469	$79
Auto-Owners Insurance Co	$538	$89
American Family	$717	$121
State Farm	$872	$147
Allstate	$1013	$171
USAA	$1019	$172
Auto-Owners	$1038	$177
Farmers	$1082	$182
Progressive	$1093	$184
Nationwide	$1137	$191
North Star Mutual	$1168	$199

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Average Car Insurance in Colonial Pine Hills 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 Colonial Pine Hills, SD increasing?

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

Car Insurance Premiums by Age in Colonial Pine Hills

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 Colonial Pine Hills,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Colonial Pine Hills at $34 per month. At $191 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	$204	$34
Auto-Owners Insurance Co	$216	$36
Farmers Mutual of Nebraska	$643	$108
State Farm	$1236	$208
USAA	$1309	$220
American Family	$1687	$284
Farmers	$1860	$313
Progressive	$1940	$327
North Star Mutual	$2471	$420
Auto-Owners	$2576	$430
Nationwide	$3379	$569
Allstate	$5306	$884
North Star Mutual Insurance	$191	$32

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 Colonial Pine Hills, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $105 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 Colonial Pine Hills is State Farm, offering rates of around $3429 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$105	$18
Western National	$185	$31
Iowa Farm Bureau	$248	$42
Kemper	$284	$48
American Family	$988	$166
Progressive	$1050	$177
USAA	$1569	$261
North Star Mutual	$1933	$329
Farmers	$1940	$323
Nationwide	$2038	$346
State Farm	$3429	$571

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Car Insurance Rates with An Accident in Colonial Pine Hills

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 Colonial Pine Hills, SD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Colonial Pine Hills

The cheapest car insurance companies after an at-fault accident in Colonial Pine Hills include Western National and Kemper, offering $198 and $223, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $321.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$198	$33
Kemper	$223	$37
Auto-Owners Insurance Co	$229	$38
Farmers Mutual of Nebraska	$464	$78
State Farm	$475	$80
USAA	$710	$120
Progressive	$748	$126
Auto-Owners	$766	$129
Farmers	$933	$157
American Family	$1013	$171
Allstate	$1483	$248
Nationwide	$1946	$328
North Star Mutual	$2008	$335
North Star Mutual Insurance	$321	$55

Colonial Pine Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colonial Pine Hills SD. For example, the car insurance in Colonial Pine Hills 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.

Colonial Pine Hills 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 Colonial Pine Hills 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 Colonial Pine Hills.

The cheapest car insurance premiums in Colonial Pine Hills are offered by Western National at $185 for a six-month policy. However, it can be as expensive as $3354 with companies like North Star Mutual.

Colonial Pine Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$185	$31
Farmers Mutual of Nebraska	$661	$111
State Farm	$685	$115
Progressive	$704	$119
Farmers	$1019	$172
American Family	$1112	$187
USAA	$1372	$231
Allstate	$1649	$275
Auto-Owners	$1674	$285
Nationwide	$2557	$431
North Star Mutual	$3354	$570

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 Colonial Pine Hills are offered by Farmers Mutual of Nebraska at $111. However, it can be as expensive as $1828 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Colonial Pine Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$111	$19
Kemper	$173	$29
Western National	$185	$31
Auto-Owners Insurance Co	$191	$32
State Farm	$321	$54
USAA	$482	$82
Progressive	$531	$89
North Star Mutual	$587	$100
American Family	$679	$114
Nationwide	$1557	$265
Farmers	$1828	$305

Car Insurance Price Trends in Colonial Pine Hills, South Dakota

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

The average cost of full coverage in the Colonial Pine Hills remained steady at $172 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Colonial Pine Hills remained steady at $31 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 Colonial Pine Hills?

The car insurance in Colonial Pine Hills is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Colonial Pine Hills?

The cheapest car insurance in Colonial Pine Hills is $68 per month for full coverage.

How much is car insurance in Colonial Pine Hills for teenagers?

Car insurance for teenagers costs $204 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 Colonial Pine Hills?

The average cost of car insurance is $845 for a six-month policy. It will cost around $148 per month to insure your car in Colonial Pine Hills.

Is car insurance expensive in Colonial Pine Hills?

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

What is the best car insurance in Colonial Pine Hills, SD?

The best car insurance company in Colonial Pine Hills SD is Kemper, offering $408 for a six-month policy.