Cheapest Car Insurance Quotes in Fort Pierre

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Fort Pierre Car Insurance

^$ 18

/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 Fort Pierre

The car insurance rate in Fort Pierre is $862 for a six-month policy, which is $17 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $400, making it a popular choice for budget-conscious drivers. Rates in Fort Pierre 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 Fort Pierre

$862

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Fort Pierre

1st place: Kemper

At $400 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 $460 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 $527 for six months, making it the third cheapest auto insurance company in Fort Pierre.

Fort Pierre Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Pierre, SD is Kemper, offering policies at just $400 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $460.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1145 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Pierre drivers find the best deals.

Cheap Car Insurance Companies in Fort Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$400	$66
Farmers Mutual of Nebraska	$460	$78
Auto-Owners Insurance Co	$527	$88
American Family	$703	$118
State Farm	$855	$144
Allstate	$993	$167
USAA	$1000	$168
Auto-Owners	$1018	$173
Farmers	$1061	$179
Progressive	$1072	$181
Nationwide	$1115	$188
North Star Mutual	$1145	$195

Key Takeaways

Way's key takeaways about car insurance in Fort Pierre

The auto insurance costs in Fort Pierre fall around $400 for six months.
The cheapest auto insurance company in Fort Pierre is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Fort Pierre at $32 per month.

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Cheapest Minimum Liability Car Insurance in Fort Pierre

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 Fort Pierre are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Fort Pierre. Their Average 6 Month Premium is $109. North Star Mutual Insurance is the most expensive at $175 for the same period.

Cheapest Liability Coverage in Fort Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$109	$18
Kemper	$140	$23
USAA	$140	$23
American Family	$146	$24
Auto-Owners	$157	$27
North Star Mutual	$157	$27
Auto-Owners Insurance Co	$163	$28
Progressive	$163	$28
State Farm	$163	$28
Farmers	$272	$46
Nationwide	$334	$56
Allstate	$357	$61
North Star Mutual Insurance	$175	$30

Cheapest Full Coverage Car Insurance in Fort Pierre

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 Fort Pierre is Kemper at $66 per month and $400 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$400	$66
Farmers Mutual of Nebraska	$460	$78
Auto-Owners Insurance Co	$527	$88
American Family	$703	$118
State Farm	$855	$144
Allstate	$993	$167
USAA	$1000	$168
Auto-Owners	$1018	$173
Farmers	$1061	$179
Progressive	$1072	$181
Nationwide	$1115	$188
North Star Mutual	$1145	$195

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Average Car Insurance in Fort Pierre 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 Fort Pierre, SD increasing?

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

Car Insurance Premiums by Age in Fort Pierre

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 Fort Pierre,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Fort Pierre at $34 per month. At $188 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	$200	$34
Auto-Owners Insurance Co	$212	$36
Farmers Mutual of Nebraska	$630	$106
State Farm	$1212	$204
USAA	$1284	$216
American Family	$1654	$278
Farmers	$1824	$307
Progressive	$1902	$320
North Star Mutual	$2424	$412
Auto-Owners	$2527	$421
Nationwide	$3314	$558
Allstate	$5204	$867
North Star Mutual Insurance	$188	$32

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 Fort Pierre, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $103 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 Fort Pierre is State Farm, offering rates of around $3363 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$103	$17
Western National	$182	$31
Iowa Farm Bureau	$243	$41
Kemper	$278	$47
American Family	$969	$163
Progressive	$1030	$173
USAA	$1539	$256
North Star Mutual	$1896	$322
Farmers	$1902	$317
Nationwide	$1999	$340
State Farm	$3363	$560

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Car Insurance Rates with An Accident in Fort Pierre

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Pierre

The cheapest car insurance companies after an at-fault accident in Fort Pierre include Western National and Kemper, offering $194 and $218, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $315.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$194	$33
Kemper	$218	$37
Auto-Owners Insurance Co	$224	$38
Farmers Mutual of Nebraska	$455	$77
State Farm	$466	$79
USAA	$697	$117
Progressive	$733	$123
Auto-Owners	$752	$126
Farmers	$915	$154
American Family	$993	$167
Allstate	$1455	$243
Nationwide	$1908	$321
North Star Mutual	$1970	$328
North Star Mutual Insurance	$315	$54

Fort Pierre Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Pierre SD. For example, the car insurance in Fort Pierre after a DUI increases to $884 for a six month policy. While the rate increases by $169 for a six-month policy in the case of a speeding ticket.

Fort Pierre auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1012	$168
One Med/PIP claim	$1012	$172
Not-at-fault accident	$1036	$172
Two Med/PIP claims	$1072	$183
One comp claim	$1078	$180
Failure to show documents	$1115	$190
Two comp claims	$1115	$186
Failure to wear a seat belt	$1145	$195
Child safety restraint	$1163	$194
Driving without lights	$1163	$198
Driving with expired registration	$1169	$195
Wrong way/wrong lane	$1169	$199
Cell phone violation	$1175	$196
Driving too slowly	$1175	$200
Texting while driving	$1175	$196
Failure to stop at a red light	$1181	$201
Failure to yield	$1181	$197
Following too closely	$1181	$201
Illegal turn	$1181	$197
Speeding 6 - 10 MPH over limit	$1181	$201
Improper passing	$1193	$199
Speeding 11 - 15 MPH over limit	$1200	$204
Speeding 16 - 20 MPH over limit	$1206	$201
Operating a vehicle without permission	$1236	$210
At-fault accident - less than $1000	$1248	$208
In 65 MPH zone	$1248	$212
Speeding in school zone	$1255	$209
Speeding 21 - 25 MPH over limit	$1284	$218
Passing school bus	$1339	$223
Open container	$1387	$236
At-fault accident - $1000-$2000	$1406	$235
At-fault accident - greater than $2000	$1406	$239
Driving with a suspended license	$1696	$283
Reckless driving	$1715	$292
Refusal to submit to a chemical test	$1812	$302
Racing	$1872	$318
DUI	$1896	$316
Leaving scene of an accident/hit and run	$1939	$329

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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 Fort Pierre 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 Fort Pierre.

The cheapest car insurance premiums in Fort Pierre are offered by Western National at $182 for a six-month policy. However, it can be as expensive as $3290 with companies like North Star Mutual.

Fort Pierre car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
Farmers Mutual of Nebraska	$649	$109
State Farm	$672	$113
Progressive	$691	$116
Farmers	$1000	$168
American Family	$1090	$184
USAA	$1345	$226
Allstate	$1618	$269
Auto-Owners	$1642	$279
Nationwide	$2508	$422
North Star Mutual	$3290	$559

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 Fort Pierre are offered by Farmers Mutual of Nebraska at $109. However, it can be as expensive as $1793 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Pierre after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$109	$18
Kemper	$169	$29
Western National	$182	$31
Auto-Owners Insurance Co	$188	$32
State Farm	$315	$53
USAA	$472	$81
Progressive	$521	$88
North Star Mutual	$575	$98
American Family	$666	$112
Nationwide	$1527	$260
Farmers	$1793	$299

Car Insurance Price Trends in Fort Pierre, South Dakota

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

The average cost of full coverage in the Fort Pierre remained steady at $168 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fort Pierre remained steady at $31 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 Fort Pierre?

The car insurance in Fort Pierre is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Pierre?

The cheapest car insurance in Fort Pierre is $66 per month for full coverage.

How much is car insurance in Fort Pierre for teenagers?

Car insurance for teenagers costs $200 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 Fort Pierre?

The average cost of car insurance is $845 for a six-month policy. It will cost around $145 per month to insure your car in Fort Pierre.

Is car insurance expensive in Fort Pierre?

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

What is the best car insurance in Fort Pierre, SD?

The best car insurance company in Fort Pierre SD is Kemper, offering $400 for a six-month policy.