Cheapest Car Insurance Quotes in Eureka

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Eureka Car Insurance

^$ 17

/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 Eureka

The car insurance rate in Eureka is $820 for a six-month policy, which is $25 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Eureka 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 Eureka

$820

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Eureka

1st place: Kemper

At $380 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 $437 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 $501 for six months, making it the third cheapest auto insurance company in Eureka.

Eureka Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eureka, SD is Kemper, offering policies at just $380 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $437.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1089 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eureka drivers find the best deals.

Cheap Car Insurance Companies in Eureka, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$380	$63
Farmers Mutual of Nebraska	$437	$74
Auto-Owners Insurance Co	$501	$83
American Family	$668	$113
State Farm	$813	$137
Allstate	$945	$159
USAA	$951	$160
Auto-Owners	$968	$165
Farmers	$1009	$170
Progressive	$1019	$172
Nationwide	$1060	$178
North Star Mutual	$1089	$185

Key Takeaways

Way's key takeaways about car insurance in Eureka

The auto insurance costs in Eureka fall around $380 for six months.
The cheapest auto insurance company in Eureka is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Eureka at $30 per month.

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Cheapest Minimum Liability Car Insurance in Eureka

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 Eureka are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Eureka. Their Average 6 Month Premium is $104. North Star Mutual Insurance is the most expensive at $167 for the same period.

Cheapest Liability Coverage in Eureka, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$104	$17
Kemper	$133	$22
USAA	$133	$22
American Family	$139	$23
Auto-Owners	$149	$25
North Star Mutual	$149	$25
Auto-Owners Insurance Co	$155	$26
Progressive	$155	$26
State Farm	$155	$26
Farmers	$259	$44
Nationwide	$317	$53
Allstate	$340	$58
North Star Mutual Insurance	$167	$28

Cheapest Full Coverage Car Insurance in Eureka

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 Eureka is Kemper at $63 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Eureka, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$380	$63
Farmers Mutual of Nebraska	$437	$74
Auto-Owners Insurance Co	$501	$83
American Family	$668	$113
State Farm	$813	$137
Allstate	$945	$159
USAA	$951	$160
Auto-Owners	$968	$165
Farmers	$1009	$170
Progressive	$1019	$172
Nationwide	$1060	$178
North Star Mutual	$1089	$185

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Average Car Insurance in Eureka 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 Eureka, SD increasing?

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

Car Insurance Premiums by Age in Eureka

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 Eureka,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Eureka at $32 per month. At $178 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	$190	$32
Auto-Owners Insurance Co	$202	$34
Farmers Mutual of Nebraska	$599	$101
State Farm	$1152	$194
USAA	$1221	$206
American Family	$1573	$265
Farmers	$1734	$292
Progressive	$1809	$305
North Star Mutual	$2305	$392
Auto-Owners	$2403	$401
Nationwide	$3152	$531
Allstate	$4949	$825
North Star Mutual Insurance	$178	$30

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 Eureka, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $98 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 Eureka is State Farm, offering rates of around $3198 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$98	$16
Western National	$173	$29
Iowa Farm Bureau	$231	$39
Kemper	$265	$45
American Family	$922	$155
Progressive	$980	$165
USAA	$1464	$243
North Star Mutual	$1803	$307
Farmers	$1809	$302
Nationwide	$1901	$323
State Farm	$3198	$533

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Car Insurance Rates with An Accident in Eureka

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

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

The cheapest car insurance companies after an at-fault accident in Eureka include Western National and Kemper, offering $184 and $208, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $300.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$184	$31
Kemper	$208	$35
Auto-Owners Insurance Co	$213	$36
Farmers Mutual of Nebraska	$433	$73
State Farm	$443	$75
USAA	$663	$112
Progressive	$697	$117
Auto-Owners	$715	$120
Farmers	$870	$146
American Family	$945	$159
Allstate	$1383	$231
Nationwide	$1815	$306
North Star Mutual	$1873	$312
North Star Mutual Insurance	$300	$51

Eureka Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eureka SD. For example, the car insurance in Eureka after a DUI increases to $841 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Eureka auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
One Med/PIP claim	$962	$164
Not-at-fault accident	$986	$164
Two Med/PIP claims	$1019	$174
One comp claim	$1025	$171
Failure to show documents	$1060	$180
Two comp claims	$1060	$177
Failure to wear a seat belt	$1089	$185
Child safety restraint	$1106	$184
Driving without lights	$1106	$188
Driving with expired registration	$1112	$185
Wrong way/wrong lane	$1112	$189
Cell phone violation	$1117	$186
Driving too slowly	$1117	$190
Texting while driving	$1117	$186
Failure to stop at a red light	$1123	$191
Failure to yield	$1123	$187
Following too closely	$1123	$191
Illegal turn	$1123	$187
Speeding 6 - 10 MPH over limit	$1123	$191
Improper passing	$1135	$189
Speeding 11 - 15 MPH over limit	$1141	$194
Speeding 16 - 20 MPH over limit	$1147	$191
Operating a vehicle without permission	$1176	$200
At-fault accident - less than $1000	$1187	$198
In 65 MPH zone	$1187	$202
Speeding in school zone	$1193	$199
Speeding 21 - 25 MPH over limit	$1221	$208
Passing school bus	$1274	$212
Open container	$1319	$224
At-fault accident - $1000-$2000	$1337	$223
At-fault accident - greater than $2000	$1337	$227
Driving with a suspended license	$1613	$269
Reckless driving	$1631	$277
Refusal to submit to a chemical test	$1723	$287
Racing	$1780	$303
DUI	$1803	$301
Leaving scene of an accident/hit and run	$1844	$313

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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 Eureka 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 Eureka.

The cheapest car insurance premiums in Eureka are offered by Western National at $173 for a six-month policy. However, it can be as expensive as $3128 with companies like North Star Mutual.

Eureka car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$173	$29
Farmers Mutual of Nebraska	$617	$104
State Farm	$639	$108
Progressive	$657	$111
Farmers	$951	$160
American Family	$1037	$175
USAA	$1279	$215
Allstate	$1538	$256
Auto-Owners	$1562	$266
Nationwide	$2385	$402
North Star Mutual	$3128	$532

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 Eureka are offered by Farmers Mutual of Nebraska at $104. However, it can be as expensive as $1705 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Eureka after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$104	$17
Kemper	$161	$27
Western National	$173	$29
Auto-Owners Insurance Co	$178	$30
State Farm	$300	$50
USAA	$449	$77
Progressive	$496	$83
North Star Mutual	$547	$93
American Family	$633	$107
Nationwide	$1452	$247
Farmers	$1705	$284

Car Insurance Price Trends in Eureka, South Dakota

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

The average cost of full coverage in the Eureka remained steady at $160 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Eureka remained steady at $29 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 Eureka?

The car insurance in Eureka is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Eureka?

The cheapest car insurance in Eureka is $63 per month for full coverage.

How much is car insurance in Eureka for teenagers?

Car insurance for teenagers costs $190 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 Eureka?

The average cost of car insurance is $845 for a six-month policy. It will cost around $138 per month to insure your car in Eureka.

Is car insurance expensive in Eureka?

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

What is the best car insurance in Eureka, SD?

The best car insurance company in Eureka SD is Kemper, offering $380 for a six-month policy.