Cheapest Car Insurance Quotes in Ipswich

Finding the cheapest car insurance quotes in Ipswich shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Ipswich Car Insurance

^$ 17

/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 Ipswich

The car insurance rate in Ipswich is $803 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Ipswich 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 Ipswich

$803

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Ipswich

1st place: Kemper

At $372 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 $428 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 $491 for six months, making it the third cheapest auto insurance company in Ipswich.

Ipswich Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ipswich, SD is Kemper, offering policies at just $372 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $428.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ipswich drivers find the best deals.

Cheap Car Insurance Companies in Ipswich, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$62
Farmers Mutual of Nebraska	$428	$72
Auto-Owners Insurance Co	$491	$82
American Family	$655	$110
State Farm	$796	$134
Allstate	$925	$156
USAA	$931	$157
Auto-Owners	$948	$162
Farmers	$988	$166
Progressive	$998	$168
Nationwide	$1038	$175
North Star Mutual	$1067	$181

Key Takeaways

Way's key takeaways about car insurance in Ipswich

The auto insurance costs in Ipswich fall around $372 for six months.
The cheapest auto insurance company in Ipswich is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Ipswich at $29 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Ipswich

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 Ipswich are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Ipswich. Their Average 6 Month Premium is $102. North Star Mutual Insurance is the most expensive at $163 for the same period.

Cheapest Liability Coverage in Ipswich, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$102	$17
Kemper	$130	$22
USAA	$130	$22
American Family	$136	$23
Auto-Owners	$146	$25
North Star Mutual	$146	$25
Auto-Owners Insurance Co	$152	$26
Progressive	$152	$26
State Farm	$152	$26
Farmers	$254	$43
Nationwide	$311	$52
Allstate	$333	$57
North Star Mutual Insurance	$163	$28

Cheapest Full Coverage Car Insurance in Ipswich

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 Ipswich is Kemper at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ipswich, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$62
Farmers Mutual of Nebraska	$428	$72
Auto-Owners Insurance Co	$491	$82
American Family	$655	$110
State Farm	$796	$134
Allstate	$925	$156
USAA	$931	$157
Auto-Owners	$948	$162
Farmers	$988	$166
Progressive	$998	$168
Nationwide	$1038	$175
North Star Mutual	$1067	$181

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Ipswich Instantly!

Average Car Insurance in Ipswich 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 Ipswich, SD increasing?

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

Car Insurance Premiums by Age in Ipswich

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Ipswich,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ipswich at $31 per month. At $175 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	$186	$31
Auto-Owners Insurance Co	$198	$33
Farmers Mutual of Nebraska	$587	$99
State Farm	$1129	$190
USAA	$1196	$201
American Family	$1541	$259
Farmers	$1699	$286
Progressive	$1772	$298
North Star Mutual	$2257	$384
Auto-Owners	$2353	$392
Nationwide	$3087	$520
Allstate	$4847	$808
North Star Mutual Insurance	$175	$29

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 Ipswich, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $96 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 Ipswich is State Farm, offering rates of around $3132 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$96	$16
Western National	$169	$29
Iowa Farm Bureau	$226	$38
Kemper	$259	$44
American Family	$903	$152
Progressive	$960	$162
USAA	$1434	$238
North Star Mutual	$1766	$300
Farmers	$1772	$295
Nationwide	$1862	$316
State Farm	$3132	$522

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Ipswich.

Car Insurance Rates with An Accident in Ipswich

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

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

The cheapest car insurance companies after an at-fault accident in Ipswich include Western National and Kemper, offering $181 and $203, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $294.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$181	$30
Kemper	$203	$34
Auto-Owners Insurance Co	$209	$35
Farmers Mutual of Nebraska	$424	$71
State Farm	$434	$73
USAA	$649	$109
Progressive	$683	$115
Auto-Owners	$700	$118
Farmers	$852	$143
American Family	$925	$156
Allstate	$1355	$226
Nationwide	$1777	$299
North Star Mutual	$1834	$306
North Star Mutual Insurance	$294	$50

Ipswich Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ipswich SD. For example, the car insurance in Ipswich after a DUI increases to $824 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Ipswich auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$942	$157
One Med/PIP claim	$942	$161
Not-at-fault accident	$965	$161
Two Med/PIP claims	$998	$170
One comp claim	$1004	$167
Failure to show documents	$1038	$177
Two comp claims	$1038	$173
Failure to wear a seat belt	$1067	$181
Child safety restraint	$1083	$181
Driving without lights	$1083	$184
Driving with expired registration	$1089	$181
Wrong way/wrong lane	$1089	$185
Cell phone violation	$1094	$182
Driving too slowly	$1094	$186
Texting while driving	$1094	$182
Failure to stop at a red light	$1100	$187
Failure to yield	$1100	$183
Following too closely	$1100	$187
Illegal turn	$1100	$183
Speeding 6 - 10 MPH over limit	$1100	$187
Improper passing	$1112	$185
Speeding 11 - 15 MPH over limit	$1117	$190
Speeding 16 - 20 MPH over limit	$1123	$187
Operating a vehicle without permission	$1151	$196
At-fault accident - less than $1000	$1163	$194
In 65 MPH zone	$1163	$198
Speeding in school zone	$1169	$195
Speeding 21 - 25 MPH over limit	$1196	$203
Passing school bus	$1247	$208
Open container	$1292	$219
At-fault accident - $1000-$2000	$1309	$219
At-fault accident - greater than $2000	$1309	$222
Driving with a suspended license	$1580	$263
Reckless driving	$1597	$272
Refusal to submit to a chemical test	$1687	$281
Racing	$1743	$296
DUI	$1766	$295
Leaving scene of an accident/hit and run	$1806	$307

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Ipswich 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 Ipswich.

The cheapest car insurance premiums in Ipswich are offered by Western National at $169 for a six-month policy. However, it can be as expensive as $3064 with companies like North Star Mutual.

Ipswich car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$169	$29
Farmers Mutual of Nebraska	$604	$102
State Farm	$626	$105
Progressive	$643	$108
Farmers	$931	$157
American Family	$1016	$171
USAA	$1253	$211
Allstate	$1507	$251
Auto-Owners	$1530	$260
Nationwide	$2336	$393
North Star Mutual	$3064	$521

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 Ipswich are offered by Farmers Mutual of Nebraska at $102. However, it can be as expensive as $1670 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ipswich after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$102	$17
Kemper	$158	$27
Western National	$169	$29
Auto-Owners Insurance Co	$175	$29
State Farm	$294	$49
USAA	$440	$75
Progressive	$485	$82
North Star Mutual	$536	$91
American Family	$620	$105
Nationwide	$1422	$242
Farmers	$1670	$278

Car Insurance Price Trends in Ipswich, South Dakota

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

The average cost of full coverage in the Ipswich remained steady at $157 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ipswich remained steady at $29 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Ipswich?

The car insurance in Ipswich is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Ipswich?

The cheapest car insurance in Ipswich is $62 per month for full coverage.

How much is car insurance in Ipswich for teenagers?

Car insurance for teenagers costs $186 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 Ipswich?

The average cost of car insurance is $845 for a six-month policy. It will cost around $135 per month to insure your car in Ipswich.

Is car insurance expensive in Ipswich?

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

What is the best car insurance in Ipswich, SD?

The best car insurance company in Ipswich SD is Kemper, offering $372 for a six-month policy.