Cheapest Car Insurance Quotes in Custer

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406,175 Policies Sold

Custer 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 Custer

The car insurance rate in Custer is $1088 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $345, 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

$1088

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Custer

1st place: American Family

At $345 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 $447 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 $555 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 American Family, offering policies at just $345 for a six-month term. This is followed by Kemper, which has an average six-month premium of $447.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2052 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
American Family	$345	$57
Kemper	$447	$76
Farmers Mutual of Nebraska	$555	$93
Auto-Owners Insurance Co	$589	$100
State Farm	$1023	$172
Allstate	$1110	$187
Progressive	$1117	$188
USAA	$1145	$193
Nationwide	$1306	$220
Auto-Owners	$1320	$222
Farmers	$1347	$227
North Star Mutual	$1794	$306
Farm Bureau	$2052	$342

Key Takeaways

Way's key takeaways about car insurance in Custer

The auto insurance costs in Custer fall around $345 for six months.
The cheapest auto insurance company in Custer is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Custer at $652 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 $115. Farmers is the most expensive at $426 for the same period.

Cheapest Liability Coverage in Custer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$115	$19
American Family	$136	$23
Kemper	$156	$26
USAA	$163	$27
Progressive	$170	$28
Auto-Owners Insurance Co	$182	$31
State Farm	$189	$32
North Star Mutual	$203	$34
Auto-Owners	$210	$35
North Star Mutual Insurance	$244	$41
Farm Bureau	$284	$48
Nationwide	$366	$62
Allstate	$399	$68
Farmers	$426	$73

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 American Family at $57 per month and $345 for six months.

Cheapest Full Coverage Car Insurance Quotes in Custer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$345	$57
Kemper	$447	$76
Farmers Mutual of Nebraska	$555	$93
Auto-Owners Insurance Co	$589	$100
State Farm	$1023	$172
Allstate	$1110	$187
Progressive	$1117	$188
USAA	$1145	$193
Nationwide	$1306	$220
Auto-Owners	$1320	$222
Farmers	$1347	$227
North Star Mutual	$1794	$306
Farm Bureau	$2052	$342

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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, American Family provides the cheapest car insurance in the Custer at $30 per month. At $3914 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$176	$30
North Star Mutual Insurance	$217	$36
Kemper	$223	$38
Auto-Owners Insurance Co	$237	$40
Farmers Mutual of Nebraska	$873	$147
USAA	$1530	$258
State Farm	$1550	$261
Progressive	$1977	$333
North Star Mutual	$2315	$386
Auto-Owners	$3271	$551
Nationwide	$3826	$644
Farm Bureau	$3900	$663
Allstate	$5816	$969
Farmers	$3914	$652

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, American Family is the cheapest car insurance provider. At $156 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 Farmers, offering rates of around $2126 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Western National	$203	$34
Iowa Farm Bureau	$271	$46
Kemper	$311	$52
Farmers Mutual of Nebraska	$548	$92
Progressive	$840	$141
USAA	$1923	$327
Nationwide	$2458	$409
North Star Mutual	$2980	$506
Farm Bureau	$3846	$641
Auto-Owners	$4639	$789
State Farm	$5641	$940
Farmers	$2126	$361

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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 American Family and Western National, offering $189 and $217, respectively. Farmers is an expensive provider with an average six-month premium of $1822.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$189	$32
Western National	$217	$36
Kemper	$244	$41
Auto-Owners Insurance Co	$251	$42
North Star Mutual Insurance	$373	$62
State Farm	$583	$98
Farmers Mutual of Nebraska	$629	$106
Progressive	$779	$131
USAA	$820	$138
Auto-Owners	$1253	$211
Allstate	$1626	$271
Nationwide	$2248	$378
North Star Mutual	$3102	$516
Farm Bureau	$3149	$536
Farmers	$1822	$310

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 $988 for a six month policy. While the rate increases by $189 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	$1131	$188
One Med/PIP claim	$1131	$193
Not-at-fault accident	$1158	$193
Two Med/PIP claims	$1198	$204
One comp claim	$1205	$201
Failure to show documents	$1246	$212
Two comp claims	$1246	$207
Failure to wear a seat belt	$1280	$218
Child safety restraint	$1300	$217
Driving without lights	$1300	$221
Driving with expired registration	$1306	$218
Wrong way/wrong lane	$1306	$222
Cell phone violation	$1313	$219
Driving too slowly	$1313	$223
Texting while driving	$1313	$219
Failure to stop at a red light	$1320	$225
Failure to yield	$1320	$220
Following too closely	$1320	$225
Illegal turn	$1320	$220
Speeding 6 - 10 MPH over limit	$1320	$225
Improper passing	$1334	$222
Speeding 11 - 15 MPH over limit	$1341	$228
Speeding 16 - 20 MPH over limit	$1347	$225
Operating a vehicle without permission	$1382	$235
At-fault accident - less than $1000	$1395	$233
In 65 MPH zone	$1395	$237
Speeding in school zone	$1402	$234
Speeding 21 - 25 MPH over limit	$1435	$244
Passing school bus	$1497	$250
Open container	$1550	$263
At-fault accident - $1000-$2000	$1571	$262
At-fault accident - greater than $2000	$1571	$267
Driving with a suspended license	$1896	$316
Reckless driving	$1916	$326
Refusal to submit to a chemical test	$2025	$337
Racing	$2092	$356
DUI	$2119	$353
Leaving scene of an accident/hit and run	$2167	$368

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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 American Family at $182 for a six-month policy. However, it can be as expensive as $1916 with companies like Farmers.

Custer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$182	$31
Western National	$203	$34
Progressive	$718	$121
Farmers Mutual of Nebraska	$901	$152
State Farm	$901	$152
USAA	$1585	$267
Auto-Owners	$1700	$286
Allstate	$1808	$308
Nationwide	$2966	$499
Farm Bureau	$4341	$738
North Star Mutual	$5180	$863
Farmers	$1916	$319

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 American Family at $182. However, it can be as expensive as $2004 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
American Family	$182	$31
Kemper	$189	$32
Western National	$203	$34
Auto-Owners Insurance Co	$210	$35
Farmers Mutual of Nebraska	$311	$52
Progressive	$420	$71
State Farm	$420	$71
North Star Mutual	$535	$91
USAA	$663	$111
Auto-Owners	$1212	$206
Farm Bureau	$1327	$221
Nationwide	$1612	$274
Farmers	$2004	$334

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 rose by $193 in January compared to $189 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Custer remained steady at $34 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 Custer?

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

What is the cheapest car insurance in Custer?

The cheapest car insurance in Custer is $57 per month for full coverage.

How much is car insurance in Custer for teenagers?

Car insurance for teenagers costs $176 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 $954 for a six-month policy. It will cost around $182 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 American Family, offering $345 for a six-month policy.