Cheapest Car Insurance Quotes in Kennebec

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Kennebec 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 Kennebec

The car insurance rate in Kennebec is $1002 for a six-month policy, which is $48 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $318, making it a popular choice for budget-conscious drivers. Rates in Kennebec 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 Kennebec

$1002

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Kennebec

1st place: American Family

At $318 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 $412 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 $511 for six months, making it the third cheapest auto insurance company in Kennebec.

Kennebec Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kennebec, SD is American Family, offering policies at just $318 for a six-month term. This is followed by Kemper, which has an average six-month premium of $412.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1890 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kennebec drivers find the best deals.

Cheap Car Insurance Companies in Kennebec, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$318	$53
Kemper	$412	$70
Farmers Mutual of Nebraska	$511	$86
Auto-Owners Insurance Co	$543	$92
State Farm	$942	$159
Allstate	$1023	$172
Progressive	$1029	$173
USAA	$1054	$177
Nationwide	$1203	$203
Auto-Owners	$1216	$205
Farmers	$1241	$209
North Star Mutual	$1653	$281
Farm Bureau	$1890	$315

Key Takeaways

Way's key takeaways about car insurance in Kennebec

The auto insurance costs in Kennebec fall around $318 for six months.
The cheapest auto insurance company in Kennebec is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Kennebec at $601 per month.

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Cheapest Minimum Liability Car Insurance in Kennebec

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 Kennebec are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Kennebec. Their Average 6 Month Premium is $106. Farmers is the most expensive at $393 for the same period.

Cheapest Liability Coverage in Kennebec, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$106	$18
American Family	$125	$21
Kemper	$144	$24
USAA	$150	$25
Progressive	$156	$26
Auto-Owners Insurance Co	$168	$28
State Farm	$174	$29
North Star Mutual	$187	$32
Auto-Owners	$193	$33
North Star Mutual Insurance	$225	$38
Farm Bureau	$261	$44
Nationwide	$337	$57
Allstate	$368	$63
Farmers	$393	$67

Cheapest Full Coverage Car Insurance in Kennebec

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 Kennebec is American Family at $53 per month and $318 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kennebec, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$318	$53
Kemper	$412	$70
Farmers Mutual of Nebraska	$511	$86
Auto-Owners Insurance Co	$543	$92
State Farm	$942	$159
Allstate	$1023	$172
Progressive	$1029	$173
USAA	$1054	$177
Nationwide	$1203	$203
Auto-Owners	$1216	$205
Farmers	$1241	$209
North Star Mutual	$1653	$281
Farm Bureau	$1890	$315

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Average Car Insurance in Kennebec 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 Kennebec, SD increasing?

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

Car Insurance Premiums by Age in Kennebec

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 Kennebec,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Kennebec at $27 per month. At $3605 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$162	$27
North Star Mutual Insurance	$200	$34
Kemper	$206	$35
Auto-Owners Insurance Co	$218	$37
Farmers Mutual of Nebraska	$804	$135
USAA	$1409	$237
State Farm	$1428	$240
Progressive	$1821	$307
North Star Mutual	$2133	$356
Auto-Owners	$3012	$507
Nationwide	$3524	$593
Farm Bureau	$3592	$611
Allstate	$5357	$893
Farmers	$3605	$601

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 Kennebec, American Family is the cheapest car insurance provider. At $144 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 Kennebec is Farmers, offering rates of around $1958 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Western National	$187	$32
Iowa Farm Bureau	$250	$42
Kemper	$287	$48
Farmers Mutual of Nebraska	$505	$85
Progressive	$774	$130
USAA	$1771	$301
Nationwide	$2264	$377
North Star Mutual	$2745	$466
Farm Bureau	$3543	$590
Auto-Owners	$4272	$727
State Farm	$5195	$866
Farmers	$1958	$333

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Car Insurance Rates with An Accident in Kennebec

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

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

The cheapest car insurance companies after an at-fault accident in Kennebec include American Family and Western National, offering $174 and $200, respectively. Farmers is an expensive provider with an average six-month premium of $1678.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Western National	$200	$34
Kemper	$225	$38
Auto-Owners Insurance Co	$231	$39
North Star Mutual Insurance	$343	$57
State Farm	$537	$90
Farmers Mutual of Nebraska	$580	$98
Progressive	$717	$121
USAA	$755	$127
Auto-Owners	$1154	$194
Allstate	$1497	$250
Nationwide	$2071	$349
North Star Mutual	$2857	$476
Farm Bureau	$2900	$494
Farmers	$1678	$286

Kennebec Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kennebec SD. For example, the car insurance in Kennebec after a DUI increases to $910 for a six month policy. While the rate increases by $174 for a six-month policy in the case of a speeding ticket.

Kennebec auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1042	$177
Not-at-fault accident	$1067	$177
Two Med/PIP claims	$1104	$188
One comp claim	$1110	$185
Failure to show documents	$1148	$195
Two comp claims	$1148	$191
Failure to wear a seat belt	$1179	$201
Child safety restraint	$1197	$200
Driving without lights	$1197	$204
Driving with expired registration	$1203	$201
Wrong way/wrong lane	$1203	$205
Cell phone violation	$1210	$202
Driving too slowly	$1210	$206
Texting while driving	$1210	$202
Failure to stop at a red light	$1216	$207
Failure to yield	$1216	$203
Following too closely	$1216	$207
Illegal turn	$1216	$203
Speeding 6 - 10 MPH over limit	$1216	$207
Improper passing	$1229	$205
Speeding 11 - 15 MPH over limit	$1235	$210
Speeding 16 - 20 MPH over limit	$1241	$207
Operating a vehicle without permission	$1273	$216
At-fault accident - less than $1000	$1285	$214
In 65 MPH zone	$1285	$218
Speeding in school zone	$1292	$215
Speeding 21 - 25 MPH over limit	$1322	$225
Passing school bus	$1379	$230
Open container	$1428	$243
At-fault accident - $1000-$2000	$1447	$242
At-fault accident - greater than $2000	$1447	$246
Driving with a suspended license	$1746	$291
Reckless driving	$1765	$300
Refusal to submit to a chemical test	$1865	$311
Racing	$1927	$328
DUI	$1952	$326
Leaving scene of an accident/hit and run	$1996	$339

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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 Kennebec 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 Kennebec.

The cheapest car insurance premiums in Kennebec are offered by American Family at $168 for a six-month policy. However, it can be as expensive as $1765 with companies like Farmers.

Kennebec car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Western National	$187	$32
Progressive	$662	$111
Farmers Mutual of Nebraska	$830	$140
State Farm	$830	$140
USAA	$1460	$246
Auto-Owners	$1566	$264
Allstate	$1665	$284
Nationwide	$2732	$460
Farm Bureau	$3998	$679
North Star Mutual	$4771	$795
Farmers	$1765	$294

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 Kennebec are offered by American Family at $168. However, it can be as expensive as $1846 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Kennebec after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Kemper	$174	$29
Western National	$187	$32
Auto-Owners Insurance Co	$193	$33
Farmers Mutual of Nebraska	$287	$48
Progressive	$386	$65
State Farm	$386	$65
North Star Mutual	$492	$84
USAA	$611	$102
Auto-Owners	$1116	$190
Farm Bureau	$1222	$204
Nationwide	$1485	$252
Farmers	$1846	$308

Car Insurance Price Trends in Kennebec, South Dakota

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

The average cost of full coverage in the Kennebec rose by $177 in January compared to $174 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 Kennebec remained steady at $32 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 Kennebec?

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

What is the cheapest car insurance in Kennebec?

The cheapest car insurance in Kennebec is $53 per month for full coverage.

How much is car insurance in Kennebec for teenagers?

Car insurance for teenagers costs $162 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 Kennebec?

The average cost of car insurance is $954 for a six-month policy. It will cost around $168 per month to insure your car in Kennebec.

Is car insurance expensive in Kennebec?

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

What is the best car insurance in Kennebec, SD?

The best car insurance company in Kennebec SD is American Family, offering $318 for a six-month policy.