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Finding the cheapest car insurance quotes in Long Valley 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.
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 Long Valley
The car insurance rate in Long Valley is $1014 for a six-month policy, which is $169 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, making it a popular choice for budget-conscious drivers. Rates in Long 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.
At $470 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 $541 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 $620
for six months, making it
the third cheapest auto insurance company in Long Valley.
Long Valley Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Long Valley, SD is Kemper, offering policies at just $470 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $541.
At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Long Valley drivers find the best deals.
Way's key takeaways about car insurance in Long Valley
The auto insurance costs in Long Valley fall around $470 for six
months.
The cheapest auto insurance company in Long Valley is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Long Valley at $37 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Long 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 Long Valley are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Long Valley. Their Average 6 Month Premium is $128.
North Star Mutual Insurance is the most
expensive at $206 for the same
period.
Cheapest Full Coverage Car Insurance in Long 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 Long Valley is Kemper
at $78 per month and $470
for six months.
Cheapest Full Coverage Car Insurance Quotes in Long Valley,
SD
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Average Car Insurance in Long 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 Long Valley, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Long 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, Long 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 Long 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Long Valley,SD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Long Valley at $40
per
month. At $221 for a six-month premium,
North Star Mutual Insurance offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Long Valley.
As young drivers face the highest rates in Long Valley, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Long Valley,
Farmers Mutual of Nebraska is
the cheapest car insurance provider. At $121 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
Long Valley is State Farm, offering
rates of around $3956 for six
months.
Save up to $971/yr on car insurance rates in Long Valley.
Car Insurance Rates with An Accident in Long 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 Long Valley, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Long Valley
The cheapest car insurance companies after an at-fault accident in
Long Valley include Western National
and Kemper, offering $228
and $257,
respectively. North Star Mutual Insurance is an expensive provider
with an average six-month premium of
$371.
Here is a list of driving violations that can increase your car
insurance rates in Long Valley SD. For example, the car
insurance in Long Valley
after a DUI increases to $1041 for a six
month policy. While the rate increases by $200 for a six-month policy in the case of
a speeding ticket.
Long Valley auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1190
$198
One Med/PIP claim
$1190
$203
Not-at-fault accident
$1219
$203
Two Med/PIP claims
$1261
$215
One comp claim
$1268
$211
Failure to show documents
$1312
$223
Two comp claims
$1312
$218
Failure to wear a seat belt
$1348
$229
Child safety restraint
$1368
$228
Driving without lights
$1368
$233
Driving with expired registration
$1375
$229
Wrong way/wrong lane
$1375
$234
Cell phone violation
$1382
$230
Driving too slowly
$1382
$235
Texting while driving
$1382
$230
Failure to stop at a red light
$1390
$236
Failure to yield
$1390
$232
Following too closely
$1390
$236
Illegal turn
$1390
$232
Speeding 6 - 10 MPH over limit
$1390
$236
Improper passing
$1404
$234
Speeding 11 - 15 MPH over limit
$1411
$240
Speeding 16 - 20 MPH over limit
$1418
$236
Operating a vehicle without permission
$1454
$247
At-fault accident - less than $1000
$1469
$245
In 65 MPH zone
$1469
$250
Speeding in school zone
$1476
$246
Speeding 21 - 25 MPH over limit
$1511
$257
Passing school bus
$1576
$263
Open container
$1632
$277
At-fault accident - $1000-$2000
$1654
$276
At-fault accident - greater than $2000
$1654
$281
Driving with a suspended license
$1996
$332
Reckless driving
$2017
$343
Refusal to submit to a chemical test
$2131
$355
Racing
$2202
$374
DUI
$2231
$372
Leaving scene of an accident/hit and run
$2281
$388
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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 Long 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 Long Valley.
The cheapest car insurance premiums in
Long Valley are
offered by Western National at $214 for a six-month policy.
However, it can be as
expensive as $3870 with companies
like North Star Mutual.
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 Long Valley are offered by Farmers Mutual of Nebraska
at $128. However,
it can be as expensive as $2110
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Long Valley after Speeding ticket
Car Insurance Price Trends in Long Valley,
South Dakota
Car insurance rates in Long Valley have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Long Valley remained steady at $198 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Long Valley remained steady at $36 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Long Valley by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Long Valley. At $2028 for a
six-month policy, insuring
your car at 57547 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Long Valley?
The car insurance in Long Valley is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Long Valley?
The cheapest car insurance in Long Valley
is $78 per month
for full coverage.
How much is car insurance in Long Valley for teenagers?
Car insurance for teenagers costs $235 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
Long Valley?
The average cost of car insurance is $845 for a six-month
policy. It will cost around $170 per month to insure your
car in Long Valley.
Is car insurance expensive in Long Valley?
Car insurance can be expensive in Long Valley if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Long Valley can be
affordable.
What is the best car insurance in Long Valley,
SD?
The best car insurance company in Long Valley
SD is
Kemper, offering $470 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Long Valley, SD
Car Insurance Rates by State in the USA (2025 Update)
Long Valley Car Insurance
