Cheapest Car Insurance Quotes in Martin

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399,755 Policies Sold

Martin Car Insurance

^$ 22

/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 Martin

The car insurance rate in Martin is $1039 for a six-month policy, which is $194 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in Martin 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 Martin

$1039

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Martin

1st place: Kemper

At $482 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 $555 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 $636 for six months, making it the third cheapest auto insurance company in Martin.

Martin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Martin, SD is Kemper, offering policies at just $482 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $555.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1381 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Martin drivers find the best deals.

Cheap Car Insurance Companies in Martin, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$80
Farmers Mutual of Nebraska	$555	$93
Auto-Owners Insurance Co	$636	$106
American Family	$847	$143
State Farm	$1031	$173
Allstate	$1198	$202
USAA	$1205	$203
Auto-Owners	$1228	$209
Farmers	$1279	$215
Progressive	$1293	$218
Nationwide	$1344	$226
North Star Mutual	$1381	$235

Key Takeaways

Way's key takeaways about car insurance in Martin

The auto insurance costs in Martin fall around $482 for six months.
The cheapest auto insurance company in Martin is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Martin at $38 per month.

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Cheapest Minimum Liability Car Insurance in Martin

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 Martin are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Martin. Their Average 6 Month Premium is $132. North Star Mutual Insurance is the most expensive at $212 for the same period.

Cheapest Liability Coverage in Martin, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$132	$22
Kemper	$169	$28
USAA	$169	$28
American Family	$176	$30
Auto-Owners	$189	$32
North Star Mutual	$189	$32
Auto-Owners Insurance Co	$197	$33
Progressive	$197	$33
State Farm	$197	$33
Farmers	$328	$55
Nationwide	$402	$68
Allstate	$431	$74
North Star Mutual Insurance	$212	$36

Cheapest Full Coverage Car Insurance in Martin

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 Martin is Kemper at $80 per month and $482 for six months.

Cheapest Full Coverage Car Insurance Quotes in Martin, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$80
Farmers Mutual of Nebraska	$555	$93
Auto-Owners Insurance Co	$636	$106
American Family	$847	$143
State Farm	$1031	$173
Allstate	$1198	$202
USAA	$1205	$203
Auto-Owners	$1228	$209
Farmers	$1279	$215
Progressive	$1293	$218
Nationwide	$1344	$226
North Star Mutual	$1381	$235

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Average Car Insurance in Martin 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 Martin, SD increasing?

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

Car Insurance Premiums by Age in Martin

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 Martin,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Martin at $41 per month. At $226 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	$241	$41
Auto-Owners Insurance Co	$256	$43
Farmers Mutual of Nebraska	$760	$128
State Farm	$1461	$246
USAA	$1549	$261
American Family	$1995	$336
Farmers	$2199	$370
Progressive	$2294	$386
North Star Mutual	$2922	$497
Auto-Owners	$3047	$508
Nationwide	$3996	$673
Allstate	$6275	$1046
North Star Mutual Insurance	$226	$38

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 Martin, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $124 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 Martin is State Farm, offering rates of around $4055 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$124	$21
Western National	$219	$37
Iowa Farm Bureau	$293	$49
Kemper	$336	$57
American Family	$1169	$197
Progressive	$1242	$209
USAA	$1856	$309
North Star Mutual	$2287	$389
Farmers	$2294	$383
Nationwide	$2411	$410
State Farm	$4055	$675

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Car Insurance Rates with An Accident in Martin

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

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

The cheapest car insurance companies after an at-fault accident in Martin include Western National and Kemper, offering $234 and $263, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $380.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$234	$39
Kemper	$263	$44
Auto-Owners Insurance Co	$271	$46
Farmers Mutual of Nebraska	$549	$92
State Farm	$562	$95
USAA	$840	$141
Progressive	$884	$149
Auto-Owners	$907	$153
Farmers	$1103	$186
American Family	$1198	$202
Allstate	$1754	$293
Nationwide	$2301	$387
North Star Mutual	$2375	$396
North Star Mutual Insurance	$380	$65

Martin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Martin SD. For example, the car insurance in Martin after a DUI increases to $1067 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Martin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1220	$203
One Med/PIP claim	$1220	$208
Not-at-fault accident	$1250	$208
Two Med/PIP claims	$1293	$220
One comp claim	$1300	$216
Failure to show documents	$1344	$229
Two comp claims	$1344	$224
Failure to wear a seat belt	$1381	$235
Child safety restraint	$1402	$234
Driving without lights	$1402	$239
Driving with expired registration	$1410	$235
Wrong way/wrong lane	$1410	$240
Cell phone violation	$1417	$236
Driving too slowly	$1417	$241
Texting while driving	$1417	$236
Failure to stop at a red light	$1424	$242
Failure to yield	$1424	$237
Following too closely	$1424	$242
Illegal turn	$1424	$237
Speeding 6 - 10 MPH over limit	$1424	$242
Improper passing	$1439	$240
Speeding 11 - 15 MPH over limit	$1446	$246
Speeding 16 - 20 MPH over limit	$1454	$242
Operating a vehicle without permission	$1491	$253
At-fault accident - less than $1000	$1506	$251
In 65 MPH zone	$1506	$256
Speeding in school zone	$1513	$252
Speeding 21 - 25 MPH over limit	$1549	$263
Passing school bus	$1615	$269
Open container	$1673	$284
At-fault accident - $1000-$2000	$1695	$283
At-fault accident - greater than $2000	$1695	$288
Driving with a suspended license	$2045	$341
Reckless driving	$2068	$352
Refusal to submit to a chemical test	$2184	$364
Racing	$2257	$384
DUI	$2287	$381
Leaving scene of an accident/hit and run	$2338	$397

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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 Martin 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 Martin.

The cheapest car insurance premiums in Martin are offered by Western National at $219 for a six-month policy. However, it can be as expensive as $3967 with companies like North Star Mutual.

Martin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$219	$37
Farmers Mutual of Nebraska	$782	$132
State Farm	$811	$137
Progressive	$833	$140
Farmers	$1205	$203
American Family	$1315	$221
USAA	$1622	$273
Allstate	$1951	$325
Auto-Owners	$1980	$337
Nationwide	$3025	$509
North Star Mutual	$3967	$674

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 Martin are offered by Farmers Mutual of Nebraska at $132. However, it can be as expensive as $2162 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Martin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$132	$22
Kemper	$204	$34
Western National	$219	$37
Auto-Owners Insurance Co	$226	$38
State Farm	$380	$64
USAA	$569	$97
Progressive	$629	$106
North Star Mutual	$694	$118
American Family	$803	$135
Nationwide	$1841	$314
Farmers	$2162	$360

Car Insurance Price Trends in Martin, South Dakota

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

The average cost of full coverage in the Martin remained steady at $203 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Martin remained steady at $37 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 Martin?

The car insurance in Martin is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Martin?

The cheapest car insurance in Martin is $80 per month for full coverage.

How much is car insurance in Martin for teenagers?

Car insurance for teenagers costs $241 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 Martin?

The average cost of car insurance is $845 for a six-month policy. It will cost around $175 per month to insure your car in Martin.

Is car insurance expensive in Martin?

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

What is the best car insurance in Martin, SD?

The best car insurance company in Martin SD is Kemper, offering $482 for a six-month policy.