Cheapest Car Insurance Quotes in Edgemont

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Edgemont 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 Edgemont

The car insurance rate in Edgemont is $1059 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $336, making it a popular choice for budget-conscious drivers. Rates in Edgemont 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 Edgemont

$1059

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Edgemont

1st place: American Family

At $336 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 $435 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 $541 for six months, making it the third cheapest auto insurance company in Edgemont.

Edgemont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edgemont, SD is American Family, offering policies at just $336 for a six-month term. This is followed by Kemper, which has an average six-month premium of $435.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1998 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edgemont drivers find the best deals.

Cheap Car Insurance Companies in Edgemont, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$336	$56
Kemper	$435	$74
Farmers Mutual of Nebraska	$541	$91
Auto-Owners Insurance Co	$574	$98
State Farm	$996	$168
Allstate	$1081	$182
Progressive	$1088	$183
USAA	$1114	$188
Nationwide	$1272	$214
Auto-Owners	$1285	$216
Farmers	$1312	$221
North Star Mutual	$1747	$297
Farm Bureau	$1998	$333

Key Takeaways

Way's key takeaways about car insurance in Edgemont

The auto insurance costs in Edgemont fall around $336 for six months.
The cheapest auto insurance company in Edgemont is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Edgemont at $635 per month.

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Cheapest Minimum Liability Car Insurance in Edgemont

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 Edgemont are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Edgemont. Their Average 6 Month Premium is $112. Farmers is the most expensive at $415 for the same period.

Cheapest Liability Coverage in Edgemont, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$112	$19
American Family	$132	$22
Kemper	$152	$26
USAA	$159	$27
Progressive	$165	$28
Auto-Owners Insurance Co	$178	$30
State Farm	$184	$31
North Star Mutual	$198	$33
Auto-Owners	$204	$34
North Star Mutual Insurance	$238	$40
Farm Bureau	$276	$47
Nationwide	$356	$60
Allstate	$389	$67
Farmers	$415	$71

Cheapest Full Coverage Car Insurance in Edgemont

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 Edgemont is American Family at $56 per month and $336 for six months.

Cheapest Full Coverage Car Insurance Quotes in Edgemont, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$336	$56
Kemper	$435	$74
Farmers Mutual of Nebraska	$541	$91
Auto-Owners Insurance Co	$574	$98
State Farm	$996	$168
Allstate	$1081	$182
Progressive	$1088	$183
USAA	$1114	$188
Nationwide	$1272	$214
Auto-Owners	$1285	$216
Farmers	$1312	$221
North Star Mutual	$1747	$297
Farm Bureau	$1998	$333

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Average Car Insurance in Edgemont 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 Edgemont, SD increasing?

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

Car Insurance Premiums by Age in Edgemont

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 Edgemont,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Edgemont at $29 per month. At $3811 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
North Star Mutual Insurance	$211	$36
Kemper	$218	$37
Auto-Owners Insurance Co	$231	$39
Farmers Mutual of Nebraska	$850	$143
USAA	$1490	$251
State Farm	$1510	$254
Progressive	$1925	$324
North Star Mutual	$2254	$376
Auto-Owners	$3185	$536
Nationwide	$3725	$627
Farm Bureau	$3797	$646
Allstate	$5663	$944
Farmers	$3811	$635

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 Edgemont, American Family is the cheapest car insurance provider. At $152 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 Edgemont is Farmers, offering rates of around $2070 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
Western National	$198	$33
Iowa Farm Bureau	$264	$44
Kemper	$303	$51
Farmers Mutual of Nebraska	$534	$90
Progressive	$818	$138
USAA	$1873	$319
Nationwide	$2393	$398
North Star Mutual	$2902	$493
Farm Bureau	$3745	$624
Auto-Owners	$4517	$768
State Farm	$5492	$916
Farmers	$2070	$352

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Car Insurance Rates with An Accident in Edgemont

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

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

The cheapest car insurance companies after an at-fault accident in Edgemont include American Family and Western National, offering $184 and $211, respectively. Farmers is an expensive provider with an average six-month premium of $1774.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$184	$31
Western National	$211	$36
Kemper	$238	$40
Auto-Owners Insurance Co	$244	$41
North Star Mutual Insurance	$363	$60
State Farm	$567	$95
Farmers Mutual of Nebraska	$613	$103
Progressive	$758	$128
USAA	$798	$134
Auto-Owners	$1220	$205
Allstate	$1583	$264
Nationwide	$2189	$369
North Star Mutual	$3020	$503
Farm Bureau	$3066	$522
Farmers	$1774	$302

Edgemont Car Insurance Rates by Violation

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

Edgemont 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 Edgemont 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 Edgemont.

The cheapest car insurance premiums in Edgemont are offered by American Family at $178 for a six-month policy. However, it can be as expensive as $1866 with companies like Farmers.

Edgemont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$178	$30
Western National	$198	$33
Progressive	$699	$118
Farmers Mutual of Nebraska	$877	$148
State Farm	$877	$148
USAA	$1543	$260
Auto-Owners	$1655	$279
Allstate	$1760	$300
Nationwide	$2888	$486
Farm Bureau	$4227	$718
North Star Mutual	$5044	$840
Farmers	$1866	$311

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 Edgemont are offered by American Family at $178. However, it can be as expensive as $1951 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Edgemont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$178	$30
Kemper	$184	$31
Western National	$198	$33
Auto-Owners Insurance Co	$204	$34
Farmers Mutual of Nebraska	$303	$51
Progressive	$408	$69
State Farm	$408	$69
North Star Mutual	$521	$89
USAA	$646	$108
Auto-Owners	$1180	$201
Farm Bureau	$1292	$215
Nationwide	$1570	$266
Farmers	$1951	$325

Car Insurance Price Trends in Edgemont, South Dakota

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

The average cost of full coverage in the Edgemont rose by $188 in January compared to $184 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 Edgemont remained steady at $33 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 Edgemont?

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

What is the cheapest car insurance in Edgemont?

The cheapest car insurance in Edgemont is $56 per month for full coverage.

How much is car insurance in Edgemont for teenagers?

Car insurance for teenagers costs $171 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 Edgemont?

The average cost of car insurance is $954 for a six-month policy. It will cost around $178 per month to insure your car in Edgemont.

Is car insurance expensive in Edgemont?

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

What is the best car insurance in Edgemont, SD?

The best car insurance company in Edgemont SD is American Family, offering $336 for a six-month policy.