Cheapest Car Insurance Quotes in Fairview

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Fairview Car Insurance

^$ 15

/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 Fairview

The car insurance rate in Fairview is $830 for a six-month policy, which is $124 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $264, making it a popular choice for budget-conscious drivers. Rates in Fairview 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 Fairview

$830

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Fairview

1st place: American Family

At $264 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 $341 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 $424 for six months, making it the third cheapest auto insurance company in Fairview.

Fairview Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairview, SD is American Family, offering policies at just $264 for a six-month term. This is followed by Kemper, which has an average six-month premium of $341.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1566 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairview drivers find the best deals.

Cheap Car Insurance Companies in Fairview, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Kemper	$341	$58
Farmers Mutual of Nebraska	$424	$71
Auto-Owners Insurance Co	$450	$77
State Farm	$780	$131
Allstate	$847	$143
Progressive	$853	$144
USAA	$873	$147
Nationwide	$997	$168
Auto-Owners	$1007	$170
Farmers	$1028	$173
North Star Mutual	$1369	$233
Farm Bureau	$1566	$261

Key Takeaways

Way's key takeaways about car insurance in Fairview

The auto insurance costs in Fairview fall around $264 for six months.
The cheapest auto insurance company in Fairview is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Fairview at $498 per month.

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Cheapest Minimum Liability Car Insurance in Fairview

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 Fairview are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Fairview. Their Average 6 Month Premium is $88. Farmers is the most expensive at $325 for the same period.

Cheapest Liability Coverage in Fairview, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$88	$15
American Family	$104	$17
Kemper	$119	$20
USAA	$124	$21
Progressive	$130	$22
Auto-Owners Insurance Co	$139	$23
State Farm	$144	$24
North Star Mutual	$155	$26
Auto-Owners	$160	$27
North Star Mutual Insurance	$186	$31
Farm Bureau	$217	$37
Nationwide	$279	$47
Allstate	$305	$52
Farmers	$325	$56

Cheapest Full Coverage Car Insurance in Fairview

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 Fairview is American Family at $44 per month and $264 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairview, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$44
Kemper	$341	$58
Farmers Mutual of Nebraska	$424	$71
Auto-Owners Insurance Co	$450	$77
State Farm	$780	$131
Allstate	$847	$143
Progressive	$853	$144
USAA	$873	$147
Nationwide	$997	$168
Auto-Owners	$1007	$170
Farmers	$1028	$173
North Star Mutual	$1369	$233
Farm Bureau	$1566	$261

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Average Car Insurance in Fairview 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 Fairview, SD increasing?

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

Car Insurance Premiums by Age in Fairview

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 Fairview,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Fairview at $23 per month. At $2987 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
North Star Mutual Insurance	$165	$28
Kemper	$171	$29
Auto-Owners Insurance Co	$181	$30
Farmers Mutual of Nebraska	$666	$112
USAA	$1168	$197
State Farm	$1183	$199
Progressive	$1509	$254
North Star Mutual	$1767	$295
Auto-Owners	$2496	$420
Nationwide	$2920	$492
Farm Bureau	$2976	$506
Allstate	$4439	$740
Farmers	$2987	$498

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 Fairview, American Family is the cheapest car insurance provider. At $119 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 Fairview is Farmers, offering rates of around $1623 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$119	$20
Western National	$155	$26
Iowa Farm Bureau	$207	$35
Kemper	$238	$40
Farmers Mutual of Nebraska	$418	$70
Progressive	$641	$108
USAA	$1468	$250
Nationwide	$1876	$312
North Star Mutual	$2274	$386
Farm Bureau	$2935	$489
Auto-Owners	$3540	$602
State Farm	$4305	$718
Farmers	$1623	$276

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Car Insurance Rates with An Accident in Fairview

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

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

The cheapest car insurance companies after an at-fault accident in Fairview include American Family and Western National, offering $144 and $165, respectively. Farmers is an expensive provider with an average six-month premium of $1390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Western National	$165	$28
Kemper	$186	$31
Auto-Owners Insurance Co	$191	$32
North Star Mutual Insurance	$284	$47
State Farm	$445	$75
Farmers Mutual of Nebraska	$480	$81
Progressive	$594	$100
USAA	$626	$105
Auto-Owners	$956	$161
Allstate	$1241	$207
Nationwide	$1716	$289
North Star Mutual	$2367	$394
Farm Bureau	$2403	$409
Farmers	$1390	$237

Fairview Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairview SD. For example, the car insurance in Fairview after a DUI increases to $754 for a six month policy. While the rate increases by $144 for a six-month policy in the case of a speeding ticket.

Fairview auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$863	$144
One Med/PIP claim	$863	$147
Not-at-fault accident	$884	$147
Two Med/PIP claims	$914	$156
One comp claim	$920	$153
Failure to show documents	$951	$162
Two comp claims	$951	$158
Failure to wear a seat belt	$977	$166
Child safety restraint	$992	$165
Driving without lights	$992	$169
Driving with expired registration	$997	$166
Wrong way/wrong lane	$997	$170
Cell phone violation	$1002	$167
Driving too slowly	$1002	$171
Texting while driving	$1002	$167
Failure to stop at a red light	$1007	$171
Failure to yield	$1007	$168
Following too closely	$1007	$171
Illegal turn	$1007	$168
Speeding 6 - 10 MPH over limit	$1007	$171
Improper passing	$1018	$170
Speeding 11 - 15 MPH over limit	$1023	$174
Speeding 16 - 20 MPH over limit	$1028	$171
Operating a vehicle without permission	$1054	$179
At-fault accident - less than $1000	$1065	$177
In 65 MPH zone	$1065	$181
Speeding in school zone	$1070	$178
Speeding 21 - 25 MPH over limit	$1095	$186
Passing school bus	$1142	$191
Open container	$1183	$201
At-fault accident - $1000-$2000	$1199	$200
At-fault accident - greater than $2000	$1199	$204
Driving with a suspended license	$1447	$241
Reckless driving	$1462	$249
Refusal to submit to a chemical test	$1545	$258
Racing	$1596	$271
DUI	$1617	$270
Leaving scene of an accident/hit and run	$1654	$281

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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 Fairview 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 Fairview.

The cheapest car insurance premiums in Fairview are offered by American Family at $139 for a six-month policy. However, it can be as expensive as $1462 with companies like Farmers.

Fairview car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
Western National	$155	$26
Progressive	$548	$92
Farmers Mutual of Nebraska	$687	$116
State Farm	$687	$116
USAA	$1209	$204
Auto-Owners	$1297	$218
Allstate	$1380	$235
Nationwide	$2264	$381
Farm Bureau	$3313	$563
North Star Mutual	$3953	$659
Farmers	$1462	$244

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 Fairview are offered by American Family at $139. However, it can be as expensive as $1529 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fairview after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
Kemper	$144	$24
Western National	$155	$26
Auto-Owners Insurance Co	$160	$27
Farmers Mutual of Nebraska	$238	$40
Progressive	$320	$54
State Farm	$320	$54
North Star Mutual	$408	$70
USAA	$506	$84
Auto-Owners	$925	$157
Farm Bureau	$1013	$169
Nationwide	$1230	$209
Farmers	$1529	$255

Car Insurance Price Trends in Fairview, South Dakota

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

The average cost of full coverage in the Fairview rose by $147 in January compared to $144 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 Fairview remained steady at $26 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 Fairview?

The car insurance in Fairview is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Fairview?

The cheapest car insurance in Fairview is $44 per month for full coverage.

How much is car insurance in Fairview for teenagers?

Car insurance for teenagers costs $134 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 Fairview?

The average cost of car insurance is $954 for a six-month policy. It will cost around $139 per month to insure your car in Fairview.

Is car insurance expensive in Fairview?

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

What is the best car insurance in Fairview, SD?

The best car insurance company in Fairview SD is American Family, offering $264 for a six-month policy.