Cheapest Car Insurance Quotes in Cresbard

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Cresbard 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 Cresbard

The car insurance rate in Cresbard is $897 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $285, making it a popular choice for budget-conscious drivers. Rates in Cresbard 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 Cresbard

$897

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Cresbard

1st place: American Family

At $285 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 $368 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 $458 for six months, making it the third cheapest auto insurance company in Cresbard.

Cresbard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cresbard, SD is American Family, offering policies at just $285 for a six-month term. This is followed by Kemper, which has an average six-month premium of $368.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cresbard drivers find the best deals.

Cheap Car Insurance Companies in Cresbard, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$285	$47
Kemper	$368	$63
Farmers Mutual of Nebraska	$458	$77
Auto-Owners Insurance Co	$486	$83
State Farm	$843	$142
Allstate	$916	$154
Progressive	$921	$155
USAA	$944	$159
Nationwide	$1077	$181
Auto-Owners	$1089	$183
Farmers	$1111	$187
North Star Mutual	$1480	$252
Farm Bureau	$1692	$282

Key Takeaways

Way's key takeaways about car insurance in Cresbard

The auto insurance costs in Cresbard fall around $285 for six months.
The cheapest auto insurance company in Cresbard is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Cresbard at $538 per month.

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Cheapest Minimum Liability Car Insurance in Cresbard

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 Cresbard are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Cresbard. Their Average 6 Month Premium is $95. Farmers is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Cresbard, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$95	$16
American Family	$112	$19
Kemper	$129	$22
USAA	$134	$23
Progressive	$140	$24
Auto-Owners Insurance Co	$150	$25
State Farm	$156	$26
North Star Mutual	$167	$28
Auto-Owners	$173	$29
North Star Mutual Insurance	$201	$34
Farm Bureau	$234	$39
Nationwide	$302	$51
Allstate	$329	$56
Farmers	$352	$60

Cheapest Full Coverage Car Insurance in Cresbard

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 Cresbard is American Family at $47 per month and $285 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cresbard, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$285	$47
Kemper	$368	$63
Farmers Mutual of Nebraska	$458	$77
Auto-Owners Insurance Co	$486	$83
State Farm	$843	$142
Allstate	$916	$154
Progressive	$921	$155
USAA	$944	$159
Nationwide	$1077	$181
Auto-Owners	$1089	$183
Farmers	$1111	$187
North Star Mutual	$1480	$252
Farm Bureau	$1692	$282

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Average Car Insurance in Cresbard 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 Cresbard, SD increasing?

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

Car Insurance Premiums by Age in Cresbard

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 Cresbard,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Cresbard at $24 per month. At $3227 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
North Star Mutual Insurance	$179	$30
Kemper	$184	$31
Auto-Owners Insurance Co	$196	$33
Farmers Mutual of Nebraska	$720	$121
USAA	$1261	$212
State Farm	$1278	$215
Progressive	$1630	$274
North Star Mutual	$1909	$319
Auto-Owners	$2697	$454
Nationwide	$3155	$531
Farm Bureau	$3216	$547
Allstate	$4796	$799
Farmers	$3227	$538

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 Cresbard, American Family is the cheapest car insurance provider. At $129 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 Cresbard is Farmers, offering rates of around $1753 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$129	$22
Western National	$167	$28
Iowa Farm Bureau	$224	$38
Kemper	$257	$43
Farmers Mutual of Nebraska	$452	$76
Progressive	$693	$117
USAA	$1586	$270
Nationwide	$2027	$337
North Star Mutual	$2457	$417
Farm Bureau	$3172	$528
Auto-Owners	$3825	$650
State Farm	$4651	$776
Farmers	$1753	$298

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Car Insurance Rates with An Accident in Cresbard

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

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

The cheapest car insurance companies after an at-fault accident in Cresbard include American Family and Western National, offering $156 and $179, respectively. Farmers is an expensive provider with an average six-month premium of $1502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Western National	$179	$30
Kemper	$201	$34
Auto-Owners Insurance Co	$207	$35
North Star Mutual Insurance	$307	$51
State Farm	$480	$81
Farmers Mutual of Nebraska	$519	$87
Progressive	$642	$108
USAA	$676	$114
Auto-Owners	$1033	$174
Allstate	$1340	$224
Nationwide	$1854	$312
North Star Mutual	$2558	$426
Farm Bureau	$2596	$442
Farmers	$1502	$256

Cresbard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cresbard SD. For example, the car insurance in Cresbard after a DUI increases to $815 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

Cresbard auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$932	$155
One Med/PIP claim	$932	$159
Not-at-fault accident	$955	$159
Two Med/PIP claims	$988	$168
One comp claim	$994	$165
Failure to show documents	$1027	$175
Two comp claims	$1027	$171
Failure to wear a seat belt	$1056	$180
Child safety restraint	$1072	$179
Driving without lights	$1072	$182
Driving with expired registration	$1077	$180
Wrong way/wrong lane	$1077	$183
Cell phone violation	$1083	$180
Driving too slowly	$1083	$184
Texting while driving	$1083	$180
Failure to stop at a red light	$1089	$185
Failure to yield	$1089	$181
Following too closely	$1089	$185
Illegal turn	$1089	$181
Speeding 6 - 10 MPH over limit	$1089	$185
Improper passing	$1100	$183
Speeding 11 - 15 MPH over limit	$1105	$188
Speeding 16 - 20 MPH over limit	$1111	$185
Operating a vehicle without permission	$1139	$194
At-fault accident - less than $1000	$1151	$192
In 65 MPH zone	$1151	$196
Speeding in school zone	$1156	$193
Speeding 21 - 25 MPH over limit	$1183	$201
Passing school bus	$1234	$206
Open container	$1278	$217
At-fault accident - $1000-$2000	$1295	$216
At-fault accident - greater than $2000	$1295	$220
Driving with a suspended license	$1563	$260
Reckless driving	$1580	$269
Refusal to submit to a chemical test	$1669	$278
Racing	$1725	$293
DUI	$1747	$291
Leaving scene of an accident/hit and run	$1787	$304

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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 Cresbard 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 Cresbard.

The cheapest car insurance premiums in Cresbard are offered by American Family at $150 for a six-month policy. However, it can be as expensive as $1580 with companies like Farmers.

Cresbard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$150	$25
Western National	$167	$28
Progressive	$592	$100
Farmers Mutual of Nebraska	$743	$125
State Farm	$743	$125
USAA	$1307	$220
Auto-Owners	$1402	$236
Allstate	$1491	$254
Nationwide	$2446	$412
Farm Bureau	$3580	$608
North Star Mutual	$4271	$712
Farmers	$1580	$263

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 Cresbard are offered by American Family at $150. However, it can be as expensive as $1653 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cresbard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$150	$25
Kemper	$156	$26
Western National	$167	$28
Auto-Owners Insurance Co	$173	$29
Farmers Mutual of Nebraska	$257	$43
Progressive	$346	$58
State Farm	$346	$58
North Star Mutual	$441	$75
USAA	$547	$91
Auto-Owners	$999	$170
Farm Bureau	$1094	$182
Nationwide	$1329	$226
Farmers	$1653	$275

Car Insurance Price Trends in Cresbard, South Dakota

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

The average cost of full coverage in the Cresbard rose by $159 in January compared to $156 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 Cresbard remained steady at $28 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 Cresbard?

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

What is the cheapest car insurance in Cresbard?

The cheapest car insurance in Cresbard is $47 per month for full coverage.

How much is car insurance in Cresbard for teenagers?

Car insurance for teenagers costs $145 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 Cresbard?

The average cost of car insurance is $954 for a six-month policy. It will cost around $150 per month to insure your car in Cresbard.

Is car insurance expensive in Cresbard?

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

What is the best car insurance in Cresbard, SD?

The best car insurance company in Cresbard SD is American Family, offering $285 for a six-month policy.