Cheapest Car Insurance Quotes in Gann Valley

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Gann Valley 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 Gann Valley

The car insurance rate in Gann Valley is $853 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $396, making it a popular choice for budget-conscious drivers. Rates in Gann Valley 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 Gann Valley

$853

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Gann Valley

1st place: Kemper

At $396 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 $456 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 $522 for six months, making it the third cheapest auto insurance company in Gann Valley.

Gann Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gann Valley, SD is Kemper, offering policies at just $396 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $456.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1134 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gann Valley drivers find the best deals.

Cheap Car Insurance Companies in Gann Valley, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$396	$66
Farmers Mutual of Nebraska	$456	$77
Auto-Owners Insurance Co	$522	$87
American Family	$696	$117
State Farm	$846	$142
Allstate	$984	$166
USAA	$990	$167
Auto-Owners	$1008	$172
Farmers	$1050	$177
Progressive	$1062	$179
Nationwide	$1104	$186
North Star Mutual	$1134	$193

Key Takeaways

Way's key takeaways about car insurance in Gann Valley

The auto insurance costs in Gann Valley fall around $396 for six months.
The cheapest auto insurance company in Gann Valley is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Gann Valley at $31 per month.

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Cheapest Minimum Liability Car Insurance in Gann Valley

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 Gann Valley are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Gann Valley. Their Average 6 Month Premium is $108. North Star Mutual Insurance is the most expensive at $174 for the same period.

Cheapest Liability Coverage in Gann Valley, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$108	$18
Kemper	$138	$23
USAA	$138	$23
American Family	$144	$24
Auto-Owners	$156	$26
North Star Mutual	$156	$26
Auto-Owners Insurance Co	$162	$27
Progressive	$162	$27
State Farm	$162	$27
Farmers	$270	$45
Nationwide	$330	$56
Allstate	$354	$61
North Star Mutual Insurance	$174	$29

Cheapest Full Coverage Car Insurance in Gann Valley

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 Gann Valley is Kemper at $66 per month and $396 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gann Valley, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$396	$66
Farmers Mutual of Nebraska	$456	$77
Auto-Owners Insurance Co	$522	$87
American Family	$696	$117
State Farm	$846	$142
Allstate	$984	$166
USAA	$990	$167
Auto-Owners	$1008	$172
Farmers	$1050	$177
Progressive	$1062	$179
Nationwide	$1104	$186
North Star Mutual	$1134	$193

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Average Car Insurance in Gann Valley 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 Gann Valley, SD increasing?

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

Car Insurance Premiums by Age in Gann Valley

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 Gann Valley,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Gann Valley at $33 per month. At $186 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	$198	$33
Auto-Owners Insurance Co	$210	$35
Farmers Mutual of Nebraska	$624	$105
State Farm	$1200	$202
USAA	$1272	$214
American Family	$1638	$276
Farmers	$1806	$304
Progressive	$1884	$317
North Star Mutual	$2400	$408
Auto-Owners	$2502	$417
Nationwide	$3281	$552
Allstate	$5153	$859
North Star Mutual Insurance	$186	$31

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 Gann Valley, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $102 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 Gann Valley is State Farm, offering rates of around $3330 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$102	$17
Western National	$180	$30
Iowa Farm Bureau	$240	$40
Kemper	$276	$46
American Family	$960	$162
Progressive	$1020	$172
USAA	$1524	$254
North Star Mutual	$1878	$319
Farmers	$1884	$314
Nationwide	$1980	$336
State Farm	$3330	$554

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Car Insurance Rates with An Accident in Gann Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gann Valley

The cheapest car insurance companies after an at-fault accident in Gann Valley include Western National and Kemper, offering $192 and $216, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $312.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$192	$32
Kemper	$216	$36
Auto-Owners Insurance Co	$222	$37
Farmers Mutual of Nebraska	$450	$76
State Farm	$462	$78
USAA	$690	$116
Progressive	$726	$122
Auto-Owners	$744	$125
Farmers	$906	$153
American Family	$984	$166
Allstate	$1440	$240
Nationwide	$1890	$318
North Star Mutual	$1950	$325
North Star Mutual Insurance	$312	$54

Gann Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gann Valley SD. For example, the car insurance in Gann Valley after a DUI increases to $876 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Gann Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$167
One Med/PIP claim	$1002	$171
Not-at-fault accident	$1026	$171
Two Med/PIP claims	$1062	$181
One comp claim	$1068	$178
Failure to show documents	$1104	$188
Two comp claims	$1104	$184
Failure to wear a seat belt	$1134	$193
Child safety restraint	$1151	$192
Driving without lights	$1151	$196
Driving with expired registration	$1157	$193
Wrong way/wrong lane	$1157	$197
Cell phone violation	$1164	$194
Driving too slowly	$1164	$198
Texting while driving	$1164	$194
Failure to stop at a red light	$1170	$199
Failure to yield	$1170	$195
Following too closely	$1170	$199
Illegal turn	$1170	$195
Speeding 6 - 10 MPH over limit	$1170	$199
Improper passing	$1182	$197
Speeding 11 - 15 MPH over limit	$1188	$202
Speeding 16 - 20 MPH over limit	$1194	$199
Operating a vehicle without permission	$1224	$208
At-fault accident - less than $1000	$1236	$206
In 65 MPH zone	$1236	$210
Speeding in school zone	$1242	$207
Speeding 21 - 25 MPH over limit	$1272	$216
Passing school bus	$1326	$221
Open container	$1374	$233
At-fault accident - $1000-$2000	$1392	$232
At-fault accident - greater than $2000	$1392	$236
Driving with a suspended license	$1680	$280
Reckless driving	$1698	$289
Refusal to submit to a chemical test	$1794	$299
Racing	$1853	$315
DUI	$1878	$313
Leaving scene of an accident/hit and run	$1920	$326

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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 Gann Valley 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 Gann Valley.

The cheapest car insurance premiums in Gann Valley are offered by Western National at $180 for a six-month policy. However, it can be as expensive as $3257 with companies like North Star Mutual.

Gann Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$180	$30
Farmers Mutual of Nebraska	$642	$108
State Farm	$666	$112
Progressive	$684	$115
Farmers	$990	$167
American Family	$1080	$182
USAA	$1332	$224
Allstate	$1602	$267
Auto-Owners	$1626	$277
Nationwide	$2484	$418
North Star Mutual	$3257	$553

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 Gann Valley are offered by Farmers Mutual of Nebraska at $108. However, it can be as expensive as $1776 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gann Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$108	$18
Kemper	$168	$28
Western National	$180	$30
Auto-Owners Insurance Co	$186	$31
State Farm	$312	$53
USAA	$468	$80
Progressive	$516	$87
North Star Mutual	$570	$97
American Family	$660	$111
Nationwide	$1512	$258
Farmers	$1776	$296

Car Insurance Price Trends in Gann Valley, South Dakota

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

The average cost of full coverage in the Gann Valley remained steady at $167 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Gann Valley remained steady at $30 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 Gann Valley?

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

What is the cheapest car insurance in Gann Valley?

The cheapest car insurance in Gann Valley is $66 per month for full coverage.

How much is car insurance in Gann Valley for teenagers?

Car insurance for teenagers costs $198 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 Gann Valley?

The average cost of car insurance is $845 for a six-month policy. It will cost around $143 per month to insure your car in Gann Valley.

Is car insurance expensive in Gann Valley?

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

What is the best car insurance in Gann Valley, SD?

The best car insurance company in Gann Valley SD is Kemper, offering $396 for a six-month policy.