Cheapest Car Insurance Quotes in Mobridge

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Mobridge 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 Mobridge

The car insurance rate in Mobridge is $973 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in Mobridge 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 Mobridge

$973

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Mobridge

1st place: American Family

At $309 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 $400 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 $497 for six months, making it the third cheapest auto insurance company in Mobridge.

Mobridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mobridge, SD is American Family, offering policies at just $309 for a six-month term. This is followed by Kemper, which has an average six-month premium of $400.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1836 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mobridge drivers find the best deals.

Cheap Car Insurance Companies in Mobridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$309	$51
Kemper	$400	$68
Farmers Mutual of Nebraska	$497	$84
Auto-Owners Insurance Co	$527	$90
State Farm	$915	$154
Allstate	$993	$167
Progressive	$1000	$168
USAA	$1024	$172
Nationwide	$1169	$197
Auto-Owners	$1181	$199
Farmers	$1206	$203
North Star Mutual	$1605	$273
Farm Bureau	$1836	$306

Key Takeaways

Way's key takeaways about car insurance in Mobridge

The auto insurance costs in Mobridge fall around $309 for six months.
The cheapest auto insurance company in Mobridge is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Mobridge at $583 per month.

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Cheapest Minimum Liability Car Insurance in Mobridge

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 Mobridge are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Mobridge. Their Average 6 Month Premium is $103. Farmers is the most expensive at $381 for the same period.

Cheapest Liability Coverage in Mobridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$103	$17
American Family	$121	$20
Kemper	$140	$23
USAA	$146	$24
Progressive	$152	$26
Auto-Owners Insurance Co	$163	$28
State Farm	$169	$29
North Star Mutual	$182	$31
Auto-Owners	$188	$32
North Star Mutual Insurance	$218	$37
Farm Bureau	$254	$43
Nationwide	$327	$55
Allstate	$357	$61
Farmers	$381	$65

Cheapest Full Coverage Car Insurance in Mobridge

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 Mobridge is American Family at $51 per month and $309 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mobridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$309	$51
Kemper	$400	$68
Farmers Mutual of Nebraska	$497	$84
Auto-Owners Insurance Co	$527	$90
State Farm	$915	$154
Allstate	$993	$167
Progressive	$1000	$168
USAA	$1024	$172
Nationwide	$1169	$197
Auto-Owners	$1181	$199
Farmers	$1206	$203
North Star Mutual	$1605	$273
Farm Bureau	$1836	$306

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Average Car Insurance in Mobridge 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 Mobridge, SD increasing?

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

Car Insurance Premiums by Age in Mobridge

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 Mobridge,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Mobridge at $27 per month. At $3502 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$27
North Star Mutual Insurance	$194	$33
Kemper	$200	$34
Auto-Owners Insurance Co	$212	$36
Farmers Mutual of Nebraska	$781	$132
USAA	$1369	$231
State Farm	$1387	$234
Progressive	$1769	$298
North Star Mutual	$2072	$346
Auto-Owners	$2926	$493
Nationwide	$3423	$576
Farm Bureau	$3489	$594
Allstate	$5204	$867
Farmers	$3502	$583

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 Mobridge, American Family is the cheapest car insurance provider. At $140 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 Mobridge is Farmers, offering rates of around $1902 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$140	$23
Western National	$182	$31
Iowa Farm Bureau	$243	$41
Kemper	$278	$47
Farmers Mutual of Nebraska	$491	$83
Progressive	$752	$126
USAA	$1721	$293
Nationwide	$2199	$366
North Star Mutual	$2666	$453
Farm Bureau	$3441	$573
Auto-Owners	$4150	$706
State Farm	$5047	$842
Farmers	$1902	$323

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Car Insurance Rates with An Accident in Mobridge

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

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

The cheapest car insurance companies after an at-fault accident in Mobridge include American Family and Western National, offering $169 and $194, respectively. Farmers is an expensive provider with an average six-month premium of $1630.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$29
Western National	$194	$33
Kemper	$218	$37
Auto-Owners Insurance Co	$224	$38
North Star Mutual Insurance	$334	$55
State Farm	$521	$88
Farmers Mutual of Nebraska	$563	$95
Progressive	$697	$117
USAA	$733	$123
Auto-Owners	$1121	$189
Allstate	$1455	$243
Nationwide	$2011	$339
North Star Mutual	$2775	$462
Farm Bureau	$2817	$479
Farmers	$1630	$277

Mobridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mobridge SD. For example, the car insurance in Mobridge after a DUI increases to $884 for a six month policy. While the rate increases by $169 for a six-month policy in the case of a speeding ticket.

Mobridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1012	$168
One Med/PIP claim	$1012	$172
Not-at-fault accident	$1036	$172
Two Med/PIP claims	$1072	$183
One comp claim	$1078	$180
Failure to show documents	$1115	$190
Two comp claims	$1115	$186
Failure to wear a seat belt	$1145	$195
Child safety restraint	$1163	$194
Driving without lights	$1163	$198
Driving with expired registration	$1169	$195
Wrong way/wrong lane	$1169	$199
Cell phone violation	$1175	$196
Driving too slowly	$1175	$200
Texting while driving	$1175	$196
Failure to stop at a red light	$1181	$201
Failure to yield	$1181	$197
Following too closely	$1181	$201
Illegal turn	$1181	$197
Speeding 6 - 10 MPH over limit	$1181	$201
Improper passing	$1193	$199
Speeding 11 - 15 MPH over limit	$1200	$204
Speeding 16 - 20 MPH over limit	$1206	$201
Operating a vehicle without permission	$1236	$210
At-fault accident - less than $1000	$1248	$208
In 65 MPH zone	$1248	$212
Speeding in school zone	$1255	$209
Speeding 21 - 25 MPH over limit	$1284	$218
Passing school bus	$1339	$223
Open container	$1387	$236
At-fault accident - $1000-$2000	$1406	$235
At-fault accident - greater than $2000	$1406	$239
Driving with a suspended license	$1696	$283
Reckless driving	$1715	$292
Refusal to submit to a chemical test	$1812	$302
Racing	$1872	$318
DUI	$1896	$316
Leaving scene of an accident/hit and run	$1939	$329

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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 Mobridge 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 Mobridge.

The cheapest car insurance premiums in Mobridge are offered by American Family at $163 for a six-month policy. However, it can be as expensive as $1715 with companies like Farmers.

Mobridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Western National	$182	$31
Progressive	$643	$108
Farmers Mutual of Nebraska	$806	$136
State Farm	$806	$136
USAA	$1418	$239
Auto-Owners	$1521	$256
Allstate	$1618	$275
Nationwide	$2654	$447
Farm Bureau	$3884	$660
North Star Mutual	$4635	$772
Farmers	$1715	$286

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 Mobridge are offered by American Family at $163. However, it can be as expensive as $1793 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mobridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Kemper	$169	$29
Western National	$182	$31
Auto-Owners Insurance Co	$188	$32
Farmers Mutual of Nebraska	$278	$47
Progressive	$375	$63
State Farm	$375	$63
North Star Mutual	$478	$82
USAA	$594	$99
Auto-Owners	$1084	$185
Farm Bureau	$1187	$198
Nationwide	$1442	$245
Farmers	$1793	$299

Car Insurance Price Trends in Mobridge, South Dakota

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

The average cost of full coverage in the Mobridge rose by $172 in January compared to $169 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 Mobridge remained steady at $31 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 Mobridge?

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

What is the cheapest car insurance in Mobridge?

The cheapest car insurance in Mobridge is $51 per month for full coverage.

How much is car insurance in Mobridge for teenagers?

Car insurance for teenagers costs $157 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 Mobridge?

The average cost of car insurance is $954 for a six-month policy. It will cost around $163 per month to insure your car in Mobridge.

Is car insurance expensive in Mobridge?

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

What is the best car insurance in Mobridge, SD?

The best car insurance company in Mobridge SD is American Family, offering $309 for a six-month policy.