Cheapest Car Insurance Quotes in Lake Andes

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Lake Andes 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 Lake Andes

The car insurance rate in Lake Andes is $811 for a six-month policy, which is $34 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Lake Andes 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 Lake Andes

$811

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Lake Andes

1st place: Kemper

At $376 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 $433 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 $496 for six months, making it the third cheapest auto insurance company in Lake Andes.

Lake Andes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Andes, SD is Kemper, offering policies at just $376 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $433.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Andes drivers find the best deals.

Cheap Car Insurance Companies in Lake Andes, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$62
Farmers Mutual of Nebraska	$433	$73
Auto-Owners Insurance Co	$496	$83
American Family	$661	$111
State Farm	$804	$135
Allstate	$935	$157
USAA	$941	$158
Auto-Owners	$958	$163
Farmers	$998	$168
Progressive	$1009	$170
Nationwide	$1049	$177
North Star Mutual	$1078	$183

Key Takeaways

Way's key takeaways about car insurance in Lake Andes

The auto insurance costs in Lake Andes fall around $376 for six months.
The cheapest auto insurance company in Lake Andes is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Lake Andes at $30 per month.

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Cheapest Minimum Liability Car Insurance in Lake Andes

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 Lake Andes are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Lake Andes. Their Average 6 Month Premium is $103. North Star Mutual Insurance is the most expensive at $165 for the same period.

Cheapest Liability Coverage in Lake Andes, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$103	$17
Kemper	$132	$22
USAA	$132	$22
American Family	$137	$23
Auto-Owners	$148	$25
North Star Mutual	$148	$25
Auto-Owners Insurance Co	$154	$26
Progressive	$154	$26
State Farm	$154	$26
Farmers	$256	$43
Nationwide	$314	$53
Allstate	$336	$58
North Star Mutual Insurance	$165	$28

Cheapest Full Coverage Car Insurance in Lake Andes

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 Lake Andes is Kemper at $62 per month and $376 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Andes, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$62
Farmers Mutual of Nebraska	$433	$73
Auto-Owners Insurance Co	$496	$83
American Family	$661	$111
State Farm	$804	$135
Allstate	$935	$157
USAA	$941	$158
Auto-Owners	$958	$163
Farmers	$998	$168
Progressive	$1009	$170
Nationwide	$1049	$177
North Star Mutual	$1078	$183

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Average Car Insurance in Lake Andes 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 Lake Andes, SD increasing?

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

Car Insurance Premiums by Age in Lake Andes

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 Lake Andes,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lake Andes at $32 per month. At $177 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	$188	$32
Auto-Owners Insurance Co	$200	$34
Farmers Mutual of Nebraska	$593	$100
State Farm	$1140	$192
USAA	$1209	$204
American Family	$1557	$262
Farmers	$1716	$289
Progressive	$1790	$301
North Star Mutual	$2281	$388
Auto-Owners	$2378	$396
Nationwide	$3119	$525
Allstate	$4898	$816
North Star Mutual Insurance	$177	$30

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 Lake Andes, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $97 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 Lake Andes is State Farm, offering rates of around $3165 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$97	$16
Western National	$171	$29
Iowa Farm Bureau	$228	$38
Kemper	$262	$44
American Family	$912	$154
Progressive	$970	$163
USAA	$1449	$241
North Star Mutual	$1785	$303
Farmers	$1790	$299
Nationwide	$1882	$320
State Farm	$3165	$527

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Car Insurance Rates with An Accident in Lake Andes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Andes

The cheapest car insurance companies after an at-fault accident in Lake Andes include Western National and Kemper, offering $182 and $205, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $297.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
Kemper	$205	$35
Auto-Owners Insurance Co	$211	$36
Farmers Mutual of Nebraska	$428	$72
State Farm	$439	$74
USAA	$656	$110
Progressive	$690	$116
Auto-Owners	$708	$119
Farmers	$861	$145
American Family	$935	$157
Allstate	$1369	$228
Nationwide	$1796	$302
North Star Mutual	$1854	$309
North Star Mutual Insurance	$297	$51

Lake Andes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Andes SD. For example, the car insurance in Lake Andes after a DUI increases to $833 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Lake Andes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$952	$158
One Med/PIP claim	$952	$162
Not-at-fault accident	$975	$162
Two Med/PIP claims	$1009	$172
One comp claim	$1015	$169
Failure to show documents	$1049	$179
Two comp claims	$1049	$175
Failure to wear a seat belt	$1078	$183
Child safety restraint	$1094	$182
Driving without lights	$1094	$186
Driving with expired registration	$1100	$183
Wrong way/wrong lane	$1100	$187
Cell phone violation	$1106	$184
Driving too slowly	$1106	$188
Texting while driving	$1106	$184
Failure to stop at a red light	$1112	$189
Failure to yield	$1112	$185
Following too closely	$1112	$189
Illegal turn	$1112	$185
Speeding 6 - 10 MPH over limit	$1112	$189
Improper passing	$1123	$187
Speeding 11 - 15 MPH over limit	$1129	$192
Speeding 16 - 20 MPH over limit	$1135	$189
Operating a vehicle without permission	$1164	$198
At-fault accident - less than $1000	$1175	$196
In 65 MPH zone	$1175	$200
Speeding in school zone	$1181	$197
Speeding 21 - 25 MPH over limit	$1209	$205
Passing school bus	$1260	$210
Open container	$1306	$222
At-fault accident - $1000-$2000	$1323	$221
At-fault accident - greater than $2000	$1323	$225
Driving with a suspended license	$1596	$266
Reckless driving	$1614	$275
Refusal to submit to a chemical test	$1705	$284
Racing	$1762	$300
DUI	$1785	$298
Leaving scene of an accident/hit and run	$1825	$310

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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 Lake Andes 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 Lake Andes.

The cheapest car insurance premiums in Lake Andes are offered by Western National at $171 for a six-month policy. However, it can be as expensive as $3096 with companies like North Star Mutual.

Lake Andes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
Farmers Mutual of Nebraska	$611	$103
State Farm	$633	$107
Progressive	$650	$109
Farmers	$941	$158
American Family	$1026	$173
USAA	$1266	$213
Allstate	$1523	$253
Auto-Owners	$1546	$263
Nationwide	$2361	$397
North Star Mutual	$3096	$526

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 Lake Andes are offered by Farmers Mutual of Nebraska at $103. However, it can be as expensive as $1688 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Andes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$103	$17
Kemper	$159	$27
Western National	$171	$29
Auto-Owners Insurance Co	$177	$30
State Farm	$297	$50
USAA	$444	$76
Progressive	$491	$83
North Star Mutual	$541	$92
American Family	$627	$106
Nationwide	$1437	$245
Farmers	$1688	$281

Car Insurance Price Trends in Lake Andes, South Dakota

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

The average cost of full coverage in the Lake Andes remained steady at $158 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Andes remained steady at $29 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 Lake Andes?

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

What is the cheapest car insurance in Lake Andes?

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

How much is car insurance in Lake Andes for teenagers?

Car insurance for teenagers costs $188 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 Lake Andes?

The average cost of car insurance is $845 for a six-month policy. It will cost around $136 per month to insure your car in Lake Andes.

Is car insurance expensive in Lake Andes?

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

What is the best car insurance in Lake Andes, SD?

The best car insurance company in Lake Andes SD is Kemper, offering $376 for a six-month policy.