Cheapest Car Insurance Quotes in Custer

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Custer 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 Custer

The car insurance rate in Custer is $938 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $435, making it a popular choice for budget-conscious drivers. Rates in Custer 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 Custer

$938

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Custer

1st place: Kemper

At $435 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 $501 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 $574 for six months, making it the third cheapest auto insurance company in Custer.

Custer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Custer, SD is Kemper, offering policies at just $435 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $501.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1247 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Custer drivers find the best deals.

Cheap Car Insurance Companies in Custer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$435	$72
Farmers Mutual of Nebraska	$501	$84
Auto-Owners Insurance Co	$574	$95
American Family	$765	$129
State Farm	$930	$157
Allstate	$1081	$182
USAA	$1088	$183
Auto-Owners	$1108	$189
Farmers	$1154	$194
Progressive	$1167	$196
Nationwide	$1213	$204
North Star Mutual	$1247	$212

Key Takeaways

Way's key takeaways about car insurance in Custer

The auto insurance costs in Custer fall around $435 for six months.
The cheapest auto insurance company in Custer is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Custer at $34 per month.

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Cheapest Minimum Liability Car Insurance in Custer

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 Custer are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Custer. Their Average 6 Month Premium is $119. North Star Mutual Insurance is the most expensive at $191 for the same period.

Cheapest Liability Coverage in Custer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$119	$20
Kemper	$152	$26
USAA	$152	$26
American Family	$159	$27
Auto-Owners	$171	$29
North Star Mutual	$171	$29
Auto-Owners Insurance Co	$178	$30
Progressive	$178	$30
State Farm	$178	$30
Farmers	$296	$50
Nationwide	$363	$61
Allstate	$389	$67
North Star Mutual Insurance	$191	$32

Cheapest Full Coverage Car Insurance in Custer

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 Custer is Kemper at $72 per month and $435 for six months.

Cheapest Full Coverage Car Insurance Quotes in Custer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$435	$72
Farmers Mutual of Nebraska	$501	$84
Auto-Owners Insurance Co	$574	$95
American Family	$765	$129
State Farm	$930	$157
Allstate	$1081	$182
USAA	$1088	$183
Auto-Owners	$1108	$189
Farmers	$1154	$194
Progressive	$1167	$196
Nationwide	$1213	$204
North Star Mutual	$1247	$212

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Average Car Insurance in Custer 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 Custer, SD increasing?

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

Car Insurance Premiums by Age in Custer

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 Custer,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Custer at $37 per month. At $204 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	$218	$37
Auto-Owners Insurance Co	$231	$39
Farmers Mutual of Nebraska	$686	$115
State Farm	$1319	$222
USAA	$1397	$235
American Family	$1800	$303
Farmers	$1985	$334
Progressive	$2070	$349
North Star Mutual	$2637	$448
Auto-Owners	$2749	$458
Nationwide	$3606	$607
Allstate	$5663	$944
North Star Mutual Insurance	$204	$34

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 Custer, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $112 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 Custer is State Farm, offering rates of around $3660 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$112	$19
Western National	$198	$33
Iowa Farm Bureau	$264	$44
Kemper	$303	$51
American Family	$1055	$178
Progressive	$1121	$189
USAA	$1675	$279
North Star Mutual	$2063	$351
Farmers	$2070	$345
Nationwide	$2176	$370
State Farm	$3660	$609

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Car Insurance Rates with An Accident in Custer

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

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

The cheapest car insurance companies after an at-fault accident in Custer include Western National and Kemper, offering $211 and $238, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $343.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$211	$36
Kemper	$238	$40
Auto-Owners Insurance Co	$244	$41
Farmers Mutual of Nebraska	$495	$83
State Farm	$507	$85
USAA	$758	$128
Progressive	$798	$134
Auto-Owners	$818	$138
Farmers	$996	$168
American Family	$1081	$182
Allstate	$1583	$264
Nationwide	$2077	$350
North Star Mutual	$2143	$357
North Star Mutual Insurance	$343	$59

Custer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Custer SD. For example, the car insurance in Custer after a DUI increases to $962 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Custer auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1101	$183
One Med/PIP claim	$1101	$188
Not-at-fault accident	$1128	$188
Two Med/PIP claims	$1167	$199
One comp claim	$1173	$195
Failure to show documents	$1213	$206
Two comp claims	$1213	$202
Failure to wear a seat belt	$1247	$212
Child safety restraint	$1265	$211
Driving without lights	$1265	$215
Driving with expired registration	$1272	$212
Wrong way/wrong lane	$1272	$216
Cell phone violation	$1279	$213
Driving too slowly	$1279	$218
Texting while driving	$1279	$213
Failure to stop at a red light	$1285	$219
Failure to yield	$1285	$214
Following too closely	$1285	$219
Illegal turn	$1285	$214
Speeding 6 - 10 MPH over limit	$1285	$219
Improper passing	$1299	$216
Speeding 11 - 15 MPH over limit	$1305	$222
Speeding 16 - 20 MPH over limit	$1312	$219
Operating a vehicle without permission	$1345	$229
At-fault accident - less than $1000	$1359	$226
In 65 MPH zone	$1359	$231
Speeding in school zone	$1365	$228
Speeding 21 - 25 MPH over limit	$1397	$238
Passing school bus	$1457	$243
Open container	$1510	$256
At-fault accident - $1000-$2000	$1530	$255
At-fault accident - greater than $2000	$1530	$260
Driving with a suspended license	$1846	$307
Reckless driving	$1866	$317
Refusal to submit to a chemical test	$1971	$329
Racing	$2037	$346
DUI	$2063	$344
Leaving scene of an accident/hit and run	$2110	$359

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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 Custer 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 Custer.

The cheapest car insurance premiums in Custer are offered by Western National at $198 for a six-month policy. However, it can be as expensive as $3580 with companies like North Star Mutual.

Custer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$198	$33
Farmers Mutual of Nebraska	$706	$119
State Farm	$731	$123
Progressive	$751	$127
Farmers	$1088	$183
American Family	$1187	$200
USAA	$1464	$246
Allstate	$1760	$293
Auto-Owners	$1787	$304
Nationwide	$2729	$460
North Star Mutual	$3580	$608

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 Custer are offered by Farmers Mutual of Nebraska at $119. However, it can be as expensive as $1951 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Custer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$119	$20
Kemper	$184	$31
Western National	$198	$33
Auto-Owners Insurance Co	$204	$34
State Farm	$343	$58
USAA	$514	$88
Progressive	$567	$95
North Star Mutual	$626	$107
American Family	$725	$122
Nationwide	$1662	$283
Farmers	$1951	$325

Car Insurance Price Trends in Custer, South Dakota

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

The average cost of full coverage in the Custer remained steady at $183 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Custer remained steady at $33 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 Custer?

The car insurance in Custer is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Custer?

The cheapest car insurance in Custer is $72 per month for full coverage.

How much is car insurance in Custer for teenagers?

Car insurance for teenagers costs $218 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 Custer?

The average cost of car insurance is $845 for a six-month policy. It will cost around $158 per month to insure your car in Custer.

Is car insurance expensive in Custer?

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

What is the best car insurance in Custer, SD?

The best car insurance company in Custer SD is Kemper, offering $435 for a six-month policy.