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Finding the cheapest car insurance quotes in Manderson 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 Manderson
The car insurance rate in Manderson is $1212 for a six-month policy, which is $258 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Manderson 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 $385 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 $498 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 $618
for six months, making it
the third cheapest auto insurance company in Manderson.
Manderson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Manderson, SD is American Family, offering policies at just $385 for a six-month term. This is followed by Kemper, which has an average six-month premium of $498.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2286 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Manderson drivers find the best deals.
Way's key takeaways about car insurance in Manderson
The auto insurance costs in Manderson fall around $385 for six
months.
The cheapest auto insurance company in Manderson is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Manderson at $726 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Manderson
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 Manderson are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Manderson. Their Average 6 Month Premium is $128.
Farmers is the most
expensive at $475 for the same
period.
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 Manderson is American Family
at $64 per month and $385
for six months.
Cheapest Full Coverage Car Insurance Quotes in Manderson,
SD
Get Your Car Insurance Quote in Manderson
Instantly!
Average Car Insurance in Manderson 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 Manderson, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Manderson, 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, Manderson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Manderson
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
Manderson,SD
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Manderson at $33
per
month. At $4360 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Manderson.
As young drivers face the highest rates in Manderson, 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 Manderson,
American Family is
the cheapest car insurance provider. At $174 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
Manderson is Farmers, offering
rates of around $2369 for six
months.
Save up to $971/yr on car insurance rates in Manderson.
Car Insurance Rates with An Accident in Manderson
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 Manderson, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Manderson
The cheapest car insurance companies after an at-fault accident in
Manderson include American Family
and Western National, offering $211
and $241,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2029.
Here is a list of driving violations that can increase your car
insurance rates in Manderson SD. For example, the car
insurance in Manderson
after a DUI increases to $1101 for a six
month policy. While the rate increases by $211 for a six-month policy in the case of
a speeding ticket.
Manderson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1260
$210
One Med/PIP claim
$1260
$215
Not-at-fault accident
$1290
$215
Two Med/PIP claims
$1335
$227
One comp claim
$1342
$224
Failure to show documents
$1388
$236
Two comp claims
$1388
$231
Failure to wear a seat belt
$1426
$243
Child safety restraint
$1448
$241
Driving without lights
$1448
$246
Driving with expired registration
$1455
$243
Wrong way/wrong lane
$1455
$248
Cell phone violation
$1463
$244
Driving too slowly
$1463
$249
Texting while driving
$1463
$244
Failure to stop at a red light
$1471
$250
Failure to yield
$1471
$245
Following too closely
$1471
$250
Illegal turn
$1471
$245
Speeding 6 - 10 MPH over limit
$1471
$250
Improper passing
$1486
$248
Speeding 11 - 15 MPH over limit
$1494
$254
Speeding 16 - 20 MPH over limit
$1501
$250
Operating a vehicle without permission
$1539
$262
At-fault accident - less than $1000
$1554
$259
In 65 MPH zone
$1554
$264
Speeding in school zone
$1562
$260
Speeding 21 - 25 MPH over limit
$1599
$272
Passing school bus
$1668
$278
Open container
$1727
$293
At-fault accident - $1000-$2000
$1750
$292
At-fault accident - greater than $2000
$1750
$297
Driving with a suspended license
$2112
$352
Reckless driving
$2135
$363
Refusal to submit to a chemical test
$2256
$376
Racing
$2330
$396
DUI
$2361
$394
Leaving scene of an accident/hit and run
$2414
$410
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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 Manderson 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 Manderson.
The cheapest car insurance premiums in
Manderson are
offered by American Family at $203 for a six-month policy.
However, it can be as
expensive as $2135 with companies
like Farmers.
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 Manderson are offered by American Family
at $203. However,
it can be as expensive as $2233
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Manderson after Speeding ticket
Car Insurance Price Trends in Manderson,
South Dakota
Car insurance rates in Manderson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Manderson rose by
$215 in January
compared to $211 of December. In other words, there has been an increase by $4 when you
compare January and December.
The average cost of liability insurance in the Manderson remained steady at $38 in both January and December, indicating no change over the two month period.
Average Car Insurance Cost in Manderson 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
Manderson. At $2423 for a
six-month policy, insuring
your car at 57756 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 Manderson?
The car insurance in Manderson is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Manderson?
The cheapest car insurance in Manderson
is $64 per month
for full coverage.
How much is car insurance in Manderson for teenagers?
Car insurance for teenagers costs $196 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
Manderson?
The average cost of car insurance is $954 for a six-month
policy. It will cost around $203 per month to insure your
car in Manderson.
Is car insurance expensive in Manderson?
Car insurance can be expensive in Manderson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Manderson can be
affordable.
What is the best car insurance in Manderson,
SD?
The best car insurance company in Manderson
SD is
American Family, offering $385 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Manderson, SD
Car Insurance Rates by State in the USA (2025 Update)
Manderson Car Insurance
