Cheapest Car Insurance Quotes in Oelrichs

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Oelrichs Car Insurance

^$ 20

/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 Oelrichs

The car insurance rate in Oelrichs is $930 for a six-month policy, which is $85 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Oelrichs 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 Oelrichs

$930

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Oelrichs

1st place: Kemper

At $431 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 $496 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 $569 for six months, making it the third cheapest auto insurance company in Oelrichs.

Oelrichs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oelrichs, SD is Kemper, offering policies at just $431 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $496.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1235 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oelrichs drivers find the best deals.

Cheap Car Insurance Companies in Oelrichs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$72
Farmers Mutual of Nebraska	$496	$84
Auto-Owners Insurance Co	$569	$95
American Family	$758	$128
State Farm	$922	$155
Allstate	$1071	$180
USAA	$1078	$182
Auto-Owners	$1098	$187
Farmers	$1144	$193
Progressive	$1156	$195
Nationwide	$1202	$202
North Star Mutual	$1235	$210

Key Takeaways

Way's key takeaways about car insurance in Oelrichs

The auto insurance costs in Oelrichs fall around $431 for six months.
The cheapest auto insurance company in Oelrichs is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Oelrichs at $34 per month.

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Cheapest Minimum Liability Car Insurance in Oelrichs

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 Oelrichs are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Oelrichs. Their Average 6 Month Premium is $118. North Star Mutual Insurance is the most expensive at $189 for the same period.

Cheapest Liability Coverage in Oelrichs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$118	$20
Kemper	$151	$25
USAA	$151	$25
American Family	$157	$26
Auto-Owners	$169	$29
North Star Mutual	$169	$29
Auto-Owners Insurance Co	$176	$30
Progressive	$176	$30
State Farm	$176	$30
Farmers	$294	$50
Nationwide	$360	$61
Allstate	$385	$66
North Star Mutual Insurance	$189	$32

Cheapest Full Coverage Car Insurance in Oelrichs

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 Oelrichs is Kemper at $72 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oelrichs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$72
Farmers Mutual of Nebraska	$496	$84
Auto-Owners Insurance Co	$569	$95
American Family	$758	$128
State Farm	$922	$155
Allstate	$1071	$180
USAA	$1078	$182
Auto-Owners	$1098	$187
Farmers	$1144	$193
Progressive	$1156	$195
Nationwide	$1202	$202
North Star Mutual	$1235	$210

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Average Car Insurance in Oelrichs 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 Oelrichs, SD increasing?

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

Car Insurance Premiums by Age in Oelrichs

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 Oelrichs,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Oelrichs at $36 per month. At $202 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	$216	$36
Auto-Owners Insurance Co	$229	$39
Farmers Mutual of Nebraska	$680	$114
State Farm	$1307	$220
USAA	$1385	$233
American Family	$1784	$300
Farmers	$1967	$331
Progressive	$2052	$345
North Star Mutual	$2614	$444
Auto-Owners	$2725	$454
Nationwide	$3574	$602
Allstate	$5612	$935
North Star Mutual Insurance	$202	$34

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 Oelrichs, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $111 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 Oelrichs is State Farm, offering rates of around $3627 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$111	$19
Western National	$196	$33
Iowa Farm Bureau	$262	$44
Kemper	$300	$51
American Family	$1045	$176
Progressive	$1111	$187
USAA	$1660	$276
North Star Mutual	$2045	$348
Farmers	$2052	$342
Nationwide	$2156	$366
State Farm	$3627	$604

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Car Insurance Rates with An Accident in Oelrichs

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

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

The cheapest car insurance companies after an at-fault accident in Oelrichs include Western National and Kemper, offering $209 and $235, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$209	$35
Kemper	$235	$40
Auto-Owners Insurance Co	$242	$41
Farmers Mutual of Nebraska	$491	$83
State Farm	$503	$85
USAA	$751	$127
Progressive	$791	$133
Auto-Owners	$811	$136
Farmers	$987	$166
American Family	$1071	$180
Allstate	$1569	$262
Nationwide	$2058	$347
North Star Mutual	$2124	$354
North Star Mutual Insurance	$340	$58

Oelrichs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oelrichs SD. For example, the car insurance in Oelrichs after a DUI increases to $954 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Oelrichs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1091	$182
One Med/PIP claim	$1091	$186
Not-at-fault accident	$1118	$186
Two Med/PIP claims	$1156	$197
One comp claim	$1163	$194
Failure to show documents	$1202	$205
Two comp claims	$1202	$200
Failure to wear a seat belt	$1235	$210
Child safety restraint	$1254	$209
Driving without lights	$1254	$213
Driving with expired registration	$1261	$210
Wrong way/wrong lane	$1261	$215
Cell phone violation	$1267	$211
Driving too slowly	$1267	$216
Texting while driving	$1267	$211
Failure to stop at a red light	$1274	$217
Failure to yield	$1274	$212
Following too closely	$1274	$217
Illegal turn	$1274	$212
Speeding 6 - 10 MPH over limit	$1274	$217
Improper passing	$1287	$215
Speeding 11 - 15 MPH over limit	$1294	$220
Speeding 16 - 20 MPH over limit	$1300	$217
Operating a vehicle without permission	$1333	$227
At-fault accident - less than $1000	$1346	$224
In 65 MPH zone	$1346	$229
Speeding in school zone	$1353	$226
Speeding 21 - 25 MPH over limit	$1385	$235
Passing school bus	$1444	$241
Open container	$1496	$254
At-fault accident - $1000-$2000	$1516	$253
At-fault accident - greater than $2000	$1516	$257
Driving with a suspended license	$1829	$305
Reckless driving	$1849	$315
Refusal to submit to a chemical test	$1954	$326
Racing	$2019	$343
DUI	$2045	$341
Leaving scene of an accident/hit and run	$2091	$355

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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 Oelrichs 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 Oelrichs.

The cheapest car insurance premiums in Oelrichs are offered by Western National at $196 for a six-month policy. However, it can be as expensive as $3548 with companies like North Star Mutual.

Oelrichs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$196	$33
Farmers Mutual of Nebraska	$700	$118
State Farm	$725	$122
Progressive	$745	$125
Farmers	$1078	$182
American Family	$1176	$198
USAA	$1451	$244
Allstate	$1745	$290
Auto-Owners	$1771	$301
Nationwide	$2705	$455
North Star Mutual	$3548	$603

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 Oelrichs are offered by Farmers Mutual of Nebraska at $118. However, it can be as expensive as $1934 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oelrichs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$118	$20
Kemper	$183	$31
Western National	$196	$33
Auto-Owners Insurance Co	$202	$34
State Farm	$340	$57
USAA	$509	$87
Progressive	$562	$95
North Star Mutual	$620	$106
American Family	$718	$121
Nationwide	$1647	$281
Farmers	$1934	$322

Car Insurance Price Trends in Oelrichs, South Dakota

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

The average cost of full coverage in the Oelrichs remained steady at $182 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oelrichs remained steady at $33 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 Oelrichs?

The car insurance in Oelrichs is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Oelrichs?

The cheapest car insurance in Oelrichs is $72 per month for full coverage.

How much is car insurance in Oelrichs for teenagers?

Car insurance for teenagers costs $216 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 Oelrichs?

The average cost of car insurance is $845 for a six-month policy. It will cost around $156 per month to insure your car in Oelrichs.

Is car insurance expensive in Oelrichs?

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

What is the best car insurance in Oelrichs, SD?

The best car insurance company in Oelrichs SD is Kemper, offering $431 for a six-month policy.