Cheapest Car Insurance Quotes in Mound City

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Mound City 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 Mound City

The car insurance rate in Mound City is $964 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $306, making it a popular choice for budget-conscious drivers. Rates in Mound City 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 Mound City

$964

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Mound City

1st place: American Family

At $306 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 $396 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 $492 for six months, making it the third cheapest auto insurance company in Mound City.

Mound City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mound City, SD is American Family, offering policies at just $306 for a six-month term. This is followed by Kemper, which has an average six-month premium of $396.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mound City drivers find the best deals.

Cheap Car Insurance Companies in Mound City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$306	$51
Kemper	$396	$68
Farmers Mutual of Nebraska	$492	$83
Auto-Owners Insurance Co	$522	$89
State Farm	$906	$153
Allstate	$984	$166
Progressive	$990	$167
USAA	$1014	$171
Nationwide	$1157	$195
Auto-Owners	$1170	$197
Farmers	$1194	$201
North Star Mutual	$1590	$271
Farm Bureau	$1818	$303

Key Takeaways

Way's key takeaways about car insurance in Mound City

The auto insurance costs in Mound City fall around $306 for six months.
The cheapest auto insurance company in Mound City is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Mound City at $578 per month.

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Cheapest Minimum Liability Car Insurance in Mound City

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 Mound City are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Mound City. Their Average 6 Month Premium is $102. Farmers is the most expensive at $378 for the same period.

Cheapest Liability Coverage in Mound City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$102	$17
American Family	$120	$20
Kemper	$138	$23
USAA	$144	$24
Progressive	$150	$25
Auto-Owners Insurance Co	$162	$27
State Farm	$168	$28
North Star Mutual	$180	$30
Auto-Owners	$186	$31
North Star Mutual Insurance	$216	$36
Farm Bureau	$251	$42
Nationwide	$324	$55
Allstate	$354	$61
Farmers	$378	$65

Cheapest Full Coverage Car Insurance in Mound City

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 Mound City is American Family at $51 per month and $306 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mound City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$306	$51
Kemper	$396	$68
Farmers Mutual of Nebraska	$492	$83
Auto-Owners Insurance Co	$522	$89
State Farm	$906	$153
Allstate	$984	$166
Progressive	$990	$167
USAA	$1014	$171
Nationwide	$1157	$195
Auto-Owners	$1170	$197
Farmers	$1194	$201
North Star Mutual	$1590	$271
Farm Bureau	$1818	$303

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Average Car Insurance in Mound City 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 Mound City, SD increasing?

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

Car Insurance Premiums by Age in Mound City

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 Mound City,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Mound City at $26 per month. At $3467 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
North Star Mutual Insurance	$192	$32
Kemper	$198	$33
Auto-Owners Insurance Co	$210	$35
Farmers Mutual of Nebraska	$774	$130
USAA	$1355	$228
State Farm	$1374	$231
Progressive	$1751	$295
North Star Mutual	$2051	$342
Auto-Owners	$2898	$488
Nationwide	$3390	$571
Farm Bureau	$3455	$588
Allstate	$5153	$859
Farmers	$3467	$578

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 Mound City, American Family is the cheapest car insurance provider. At $138 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 Mound City is Farmers, offering rates of around $1884 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$138	$23
Western National	$180	$30
Iowa Farm Bureau	$240	$40
Kemper	$276	$46
Farmers Mutual of Nebraska	$486	$82
Progressive	$744	$125
USAA	$1704	$290
Nationwide	$2178	$363
North Star Mutual	$2640	$448
Farm Bureau	$3408	$568
Auto-Owners	$4110	$699
State Farm	$4997	$833
Farmers	$1884	$320

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Car Insurance Rates with An Accident in Mound City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mound City

The cheapest car insurance companies after an at-fault accident in Mound City include American Family and Western National, offering $168 and $192, respectively. Farmers is an expensive provider with an average six-month premium of $1614.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
Western National	$192	$32
Kemper	$216	$36
Auto-Owners Insurance Co	$222	$37
North Star Mutual Insurance	$330	$55
State Farm	$516	$87
Farmers Mutual of Nebraska	$558	$94
Progressive	$690	$116
USAA	$726	$122
Auto-Owners	$1110	$187
Allstate	$1440	$240
Nationwide	$1992	$335
North Star Mutual	$2748	$458
Farm Bureau	$2790	$475
Farmers	$1614	$275

Mound City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mound City SD. For example, the car insurance in Mound City after a DUI increases to $876 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Mound City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$167
One Med/PIP claim	$1002	$171
Not-at-fault accident	$1026	$171
Two Med/PIP claims	$1062	$181
One comp claim	$1068	$178
Failure to show documents	$1104	$188
Two comp claims	$1104	$184
Failure to wear a seat belt	$1134	$193
Child safety restraint	$1151	$192
Driving without lights	$1151	$196
Driving with expired registration	$1157	$193
Wrong way/wrong lane	$1157	$197
Cell phone violation	$1164	$194
Driving too slowly	$1164	$198
Texting while driving	$1164	$194
Failure to stop at a red light	$1170	$199
Failure to yield	$1170	$195
Following too closely	$1170	$199
Illegal turn	$1170	$195
Speeding 6 - 10 MPH over limit	$1170	$199
Improper passing	$1182	$197
Speeding 11 - 15 MPH over limit	$1188	$202
Speeding 16 - 20 MPH over limit	$1194	$199
Operating a vehicle without permission	$1224	$208
At-fault accident - less than $1000	$1236	$206
In 65 MPH zone	$1236	$210
Speeding in school zone	$1242	$207
Speeding 21 - 25 MPH over limit	$1272	$216
Passing school bus	$1326	$221
Open container	$1374	$233
At-fault accident - $1000-$2000	$1392	$232
At-fault accident - greater than $2000	$1392	$236
Driving with a suspended license	$1680	$280
Reckless driving	$1698	$289
Refusal to submit to a chemical test	$1794	$299
Racing	$1853	$315
DUI	$1878	$313
Leaving scene of an accident/hit and run	$1920	$326

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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 Mound City 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 Mound City.

The cheapest car insurance premiums in Mound City are offered by American Family at $162 for a six-month policy. However, it can be as expensive as $1698 with companies like Farmers.

Mound City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$162	$27
Western National	$180	$30
Progressive	$636	$107
Farmers Mutual of Nebraska	$798	$134
State Farm	$798	$134
USAA	$1404	$236
Auto-Owners	$1506	$254
Allstate	$1602	$273
Nationwide	$2628	$442
Farm Bureau	$3846	$653
North Star Mutual	$4589	$765
Farmers	$1698	$283

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 Mound City are offered by American Family at $162. However, it can be as expensive as $1776 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mound City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$162	$27
Kemper	$168	$28
Western National	$180	$30
Auto-Owners Insurance Co	$186	$31
Farmers Mutual of Nebraska	$276	$46
Progressive	$372	$63
State Farm	$372	$63
North Star Mutual	$474	$81
USAA	$588	$98
Auto-Owners	$1074	$183
Farm Bureau	$1176	$196
Nationwide	$1428	$242
Farmers	$1776	$296

Car Insurance Price Trends in Mound City, South Dakota

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

The average cost of full coverage in the Mound City rose by $171 in January compared to $168 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 Mound City remained steady at $30 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 Mound City?

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

What is the cheapest car insurance in Mound City?

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

How much is car insurance in Mound City for teenagers?

Car insurance for teenagers costs $156 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 Mound City?

The average cost of car insurance is $954 for a six-month policy. It will cost around $162 per month to insure your car in Mound City.

Is car insurance expensive in Mound City?

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

What is the best car insurance in Mound City, SD?

The best car insurance company in Mound City SD is American Family, offering $306 for a six-month policy.