Cheapest Car Insurance Quotes in Glenham

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Glenham 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 Glenham

The car insurance rate in Glenham is $837 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $388, making it a popular choice for budget-conscious drivers. Rates in Glenham 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 Glenham

$837

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Glenham

1st place: Kemper

At $388 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 $446 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 $512 for six months, making it the third cheapest auto insurance company in Glenham.

Glenham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Glenham, SD is Kemper, offering policies at just $388 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $446.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1112 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Glenham drivers find the best deals.

Cheap Car Insurance Companies in Glenham, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$388	$64
Farmers Mutual of Nebraska	$446	$75
Auto-Owners Insurance Co	$512	$85
American Family	$682	$115
State Farm	$830	$140
Allstate	$964	$162
USAA	$970	$163
Auto-Owners	$988	$168
Farmers	$1030	$173
Progressive	$1040	$175
Nationwide	$1082	$182
North Star Mutual	$1112	$189

Key Takeaways

Way's key takeaways about car insurance in Glenham

The auto insurance costs in Glenham fall around $388 for six months.
The cheapest auto insurance company in Glenham is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Glenham at $31 per month.

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Cheapest Minimum Liability Car Insurance in Glenham

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 Glenham are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Glenham. Their Average 6 Month Premium is $106. North Star Mutual Insurance is the most expensive at $170 for the same period.

Cheapest Liability Coverage in Glenham, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$106	$18
Kemper	$136	$23
USAA	$136	$23
American Family	$142	$24
Auto-Owners	$152	$26
North Star Mutual	$152	$26
Auto-Owners Insurance Co	$158	$27
Progressive	$158	$27
State Farm	$158	$27
Farmers	$264	$45
Nationwide	$324	$54
Allstate	$347	$59
North Star Mutual Insurance	$170	$29

Cheapest Full Coverage Car Insurance in Glenham

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 Glenham is Kemper at $64 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in Glenham, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$388	$64
Farmers Mutual of Nebraska	$446	$75
Auto-Owners Insurance Co	$512	$85
American Family	$682	$115
State Farm	$830	$140
Allstate	$964	$162
USAA	$970	$163
Auto-Owners	$988	$168
Farmers	$1030	$173
Progressive	$1040	$175
Nationwide	$1082	$182
North Star Mutual	$1112	$189

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Average Car Insurance in Glenham 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 Glenham, SD increasing?

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

Car Insurance Premiums by Age in Glenham

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 Glenham,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Glenham at $33 per month. At $182 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	$194	$33
Auto-Owners Insurance Co	$206	$35
Farmers Mutual of Nebraska	$612	$103
State Farm	$1176	$198
USAA	$1246	$210
American Family	$1606	$270
Farmers	$1770	$298
Progressive	$1846	$311
North Star Mutual	$2352	$400
Auto-Owners	$2452	$409
Nationwide	$3217	$542
Allstate	$5051	$842
North Star Mutual Insurance	$182	$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 Glenham, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $100 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 Glenham is State Farm, offering rates of around $3264 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$100	$17
Western National	$176	$30
Iowa Farm Bureau	$236	$40
Kemper	$270	$46
American Family	$941	$158
Progressive	$1000	$168
USAA	$1494	$248
North Star Mutual	$1840	$313
Farmers	$1846	$308
Nationwide	$1940	$330
State Farm	$3264	$544

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Car Insurance Rates with An Accident in Glenham

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

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

The cheapest car insurance companies after an at-fault accident in Glenham include Western National and Kemper, offering $188 and $212, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $306.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$188	$32
Kemper	$212	$36
Auto-Owners Insurance Co	$218	$37
Farmers Mutual of Nebraska	$442	$74
State Farm	$452	$76
USAA	$676	$114
Progressive	$712	$120
Auto-Owners	$730	$123
Farmers	$888	$149
American Family	$964	$162
Allstate	$1412	$236
Nationwide	$1852	$312
North Star Mutual	$1912	$319
North Star Mutual Insurance	$306	$52

Glenham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Glenham SD. For example, the car insurance in Glenham after a DUI increases to $858 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Glenham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$982	$163
One Med/PIP claim	$982	$167
Not-at-fault accident	$1006	$167
Two Med/PIP claims	$1040	$177
One comp claim	$1046	$174
Failure to show documents	$1082	$184
Two comp claims	$1082	$180
Failure to wear a seat belt	$1112	$189
Child safety restraint	$1129	$188
Driving without lights	$1129	$192
Driving with expired registration	$1135	$189
Wrong way/wrong lane	$1135	$193
Cell phone violation	$1140	$190
Driving too slowly	$1140	$194
Texting while driving	$1140	$190
Failure to stop at a red light	$1146	$195
Failure to yield	$1146	$191
Following too closely	$1146	$195
Illegal turn	$1146	$191
Speeding 6 - 10 MPH over limit	$1146	$195
Improper passing	$1158	$193
Speeding 11 - 15 MPH over limit	$1164	$198
Speeding 16 - 20 MPH over limit	$1170	$195
Operating a vehicle without permission	$1200	$204
At-fault accident - less than $1000	$1212	$202
In 65 MPH zone	$1212	$206
Speeding in school zone	$1218	$203
Speeding 21 - 25 MPH over limit	$1246	$212
Passing school bus	$1300	$217
Open container	$1346	$229
At-fault accident - $1000-$2000	$1364	$228
At-fault accident - greater than $2000	$1364	$232
Driving with a suspended license	$1646	$274
Reckless driving	$1664	$283
Refusal to submit to a chemical test	$1758	$293
Racing	$1817	$309
DUI	$1840	$307
Leaving scene of an accident/hit and run	$1882	$320

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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 Glenham 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 Glenham.

The cheapest car insurance premiums in Glenham are offered by Western National at $176 for a six-month policy. However, it can be as expensive as $3193 with companies like North Star Mutual.

Glenham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Farmers Mutual of Nebraska	$630	$106
State Farm	$652	$110
Progressive	$670	$113
Farmers	$970	$163
American Family	$1058	$178
USAA	$1306	$220
Allstate	$1570	$261
Auto-Owners	$1594	$271
Nationwide	$2434	$410
North Star Mutual	$3193	$543

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 Glenham are offered by Farmers Mutual of Nebraska at $106. However, it can be as expensive as $1740 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Glenham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$106	$18
Kemper	$164	$28
Western National	$176	$30
Auto-Owners Insurance Co	$182	$31
State Farm	$306	$51
USAA	$458	$78
Progressive	$506	$85
North Star Mutual	$558	$95
American Family	$646	$109
Nationwide	$1482	$252
Farmers	$1740	$290

Car Insurance Price Trends in Glenham, South Dakota

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

The average cost of full coverage in the Glenham remained steady at $163 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Glenham 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 Glenham?

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

What is the cheapest car insurance in Glenham?

The cheapest car insurance in Glenham is $64 per month for full coverage.

How much is car insurance in Glenham for teenagers?

Car insurance for teenagers costs $194 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 Glenham?

The average cost of car insurance is $845 for a six-month policy. It will cost around $141 per month to insure your car in Glenham.

Is car insurance expensive in Glenham?

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

What is the best car insurance in Glenham, SD?

The best car insurance company in Glenham SD is Kemper, offering $388 for a six-month policy.