Cheapest Car Insurance Quotes in Fort Pierre

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406,175 Policies Sold

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 $983 for a six-month policy, which is $29 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, 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

$983

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Fort Pierre

1st place: American Family

At $312 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 $404 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 $502 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 American Family, offering policies at just $312 for a six-month term. This is followed by Kemper, which has an average six-month premium of $404.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1854 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
American Family	$312	$52
Kemper	$404	$69
Farmers Mutual of Nebraska	$502	$84
Auto-Owners Insurance Co	$533	$91
State Farm	$924	$156
Allstate	$1003	$169
Progressive	$1009	$170
USAA	$1034	$174
Nationwide	$1180	$199
Auto-Owners	$1193	$201
Farmers	$1217	$205
North Star Mutual	$1621	$276
Farm Bureau	$1854	$309

Key Takeaways

Way's key takeaways about car insurance in Fort Pierre

The auto insurance costs in Fort Pierre fall around $312 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 $589 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 $104. Farmers is the most expensive at $385 for the same period.

Cheapest Liability Coverage in Fort Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$104	$18
American Family	$123	$21
Kemper	$141	$24
USAA	$147	$25
Progressive	$153	$26
Auto-Owners Insurance Co	$165	$28
State Farm	$171	$29
North Star Mutual	$183	$31
Auto-Owners	$190	$32
North Star Mutual Insurance	$220	$37
Farm Bureau	$256	$43
Nationwide	$331	$56
Allstate	$361	$62
Farmers	$385	$66

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 American Family at $52 per month and $312 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$312	$52
Kemper	$404	$69
Farmers Mutual of Nebraska	$502	$84
Auto-Owners Insurance Co	$533	$91
State Farm	$924	$156
Allstate	$1003	$169
Progressive	$1009	$170
USAA	$1034	$174
Nationwide	$1180	$199
Auto-Owners	$1193	$201
Farmers	$1217	$205
North Star Mutual	$1621	$276
Farm Bureau	$1854	$309

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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, American Family provides the cheapest car insurance in the Fort Pierre at $27 per month. At $3536 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
North Star Mutual Insurance	$196	$33
Kemper	$202	$34
Auto-Owners Insurance Co	$214	$36
Farmers Mutual of Nebraska	$789	$133
USAA	$1382	$233
State Farm	$1401	$236
Progressive	$1786	$301
North Star Mutual	$2092	$349
Auto-Owners	$2955	$497
Nationwide	$3457	$582
Farm Bureau	$3524	$599
Allstate	$5255	$876
Farmers	$3536	$589

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, American Family is the cheapest car insurance provider. At $141 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 Farmers, offering rates of around $1921 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
Western National	$183	$31
Iowa Farm Bureau	$245	$41
Kemper	$281	$47
Farmers Mutual of Nebraska	$495	$83
Progressive	$759	$128
USAA	$1738	$296
Nationwide	$2221	$370
North Star Mutual	$2692	$457
Farm Bureau	$3475	$579
Auto-Owners	$4191	$713
State Farm	$5096	$850
Farmers	$1921	$327

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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 American Family and Western National, offering $171 and $196, respectively. Farmers is an expensive provider with an average six-month premium of $1646.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
Western National	$196	$33
Kemper	$220	$37
Auto-Owners Insurance Co	$227	$38
North Star Mutual Insurance	$337	$56
State Farm	$526	$89
Farmers Mutual of Nebraska	$569	$96
Progressive	$703	$118
USAA	$741	$125
Auto-Owners	$1132	$191
Allstate	$1469	$245
Nationwide	$2031	$342
North Star Mutual	$2803	$467
Farm Bureau	$2845	$484
Farmers	$1646	$280

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 $893 for a six month policy. While the rate increases by $171 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	$1022	$170
One Med/PIP claim	$1022	$174
Not-at-fault accident	$1046	$174
Two Med/PIP claims	$1083	$184
One comp claim	$1089	$181
Failure to show documents	$1126	$192
Two comp claims	$1126	$187
Failure to wear a seat belt	$1157	$197
Child safety restraint	$1174	$196
Driving without lights	$1174	$200
Driving with expired registration	$1180	$197
Wrong way/wrong lane	$1180	$201
Cell phone violation	$1187	$198
Driving too slowly	$1187	$202
Texting while driving	$1187	$198
Failure to stop at a red light	$1193	$203
Failure to yield	$1193	$199
Following too closely	$1193	$203
Illegal turn	$1193	$199
Speeding 6 - 10 MPH over limit	$1193	$203
Improper passing	$1205	$201
Speeding 11 - 15 MPH over limit	$1211	$206
Speeding 16 - 20 MPH over limit	$1217	$203
Operating a vehicle without permission	$1248	$212
At-fault accident - less than $1000	$1261	$210
In 65 MPH zone	$1261	$214
Speeding in school zone	$1267	$211
Speeding 21 - 25 MPH over limit	$1297	$220
Passing school bus	$1352	$226
Open container	$1401	$238
At-fault accident - $1000-$2000	$1419	$237
At-fault accident - greater than $2000	$1419	$241
Driving with a suspended license	$1713	$285
Reckless driving	$1731	$295
Refusal to submit to a chemical test	$1829	$305
Racing	$1890	$321
DUI	$1915	$319
Leaving scene of an accident/hit and run	$1958	$333

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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 American Family at $165 for a six-month policy. However, it can be as expensive as $1731 with companies like Farmers.

Fort Pierre car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$165	$28
Western National	$183	$31
Progressive	$649	$109
Farmers Mutual of Nebraska	$814	$137
State Farm	$814	$137
USAA	$1432	$241
Auto-Owners	$1536	$259
Allstate	$1634	$278
Nationwide	$2680	$451
Farm Bureau	$3922	$666
North Star Mutual	$4680	$780
Farmers	$1731	$288

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 American Family at $165. However, it can be as expensive as $1811 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
American Family	$165	$28
Kemper	$171	$29
Western National	$183	$31
Auto-Owners Insurance Co	$190	$32
Farmers Mutual of Nebraska	$281	$47
Progressive	$379	$64
State Farm	$379	$64
North Star Mutual	$483	$82
USAA	$599	$100
Auto-Owners	$1095	$186
Farm Bureau	$1199	$200
Nationwide	$1456	$247
Farmers	$1811	$302

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 rose by $174 in January compared to $171 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 Fort Pierre remained steady at $31 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 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 $52 per month for full coverage.

How much is car insurance in Fort Pierre for teenagers?

Car insurance for teenagers costs $159 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 $954 for a six-month policy. It will cost around $165 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 American Family, offering $312 for a six-month policy.