Cheapest Car Insurance Quotes in Okaton

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406,175 Policies Sold

Okaton Car Insurance

^$ 21

/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 Okaton

The car insurance rate in Okaton is $1183 for a six-month policy, which is $229 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Okaton 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 Okaton

$1183

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Okaton

1st place: American Family

At $376 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 $486 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 $604 for six months, making it the third cheapest auto insurance company in Okaton.

Okaton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Okaton, SD is American Family, offering policies at just $376 for a six-month term. This is followed by Kemper, which has an average six-month premium of $486.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2232 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Okaton drivers find the best deals.

Cheap Car Insurance Companies in Okaton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$376	$62
Kemper	$486	$83
Farmers Mutual of Nebraska	$604	$102
Auto-Owners Insurance Co	$641	$109
State Farm	$1112	$187
Allstate	$1208	$203
Progressive	$1215	$205
USAA	$1245	$210
Nationwide	$1421	$239
Auto-Owners	$1436	$242
Farmers	$1466	$247
North Star Mutual	$1952	$332
Farm Bureau	$2232	$372

Key Takeaways

Way's key takeaways about car insurance in Okaton

The auto insurance costs in Okaton fall around $376 for six months.
The cheapest auto insurance company in Okaton is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Okaton at $709 per month.

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Cheapest Minimum Liability Car Insurance in Okaton

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 Okaton are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Okaton. Their Average 6 Month Premium is $125. Farmers is the most expensive at $464 for the same period.

Cheapest Liability Coverage in Okaton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$125	$21
American Family	$148	$25
Kemper	$170	$29
USAA	$177	$30
Progressive	$185	$31
Auto-Owners Insurance Co	$198	$33
State Farm	$206	$35
North Star Mutual	$221	$37
Auto-Owners	$228	$38
North Star Mutual Insurance	$265	$45
Farm Bureau	$309	$52
Nationwide	$398	$67
Allstate	$434	$74
Farmers	$464	$79

Cheapest Full Coverage Car Insurance in Okaton

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 Okaton is American Family at $62 per month and $376 for six months.

Cheapest Full Coverage Car Insurance Quotes in Okaton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$376	$62
Kemper	$486	$83
Farmers Mutual of Nebraska	$604	$102
Auto-Owners Insurance Co	$641	$109
State Farm	$1112	$187
Allstate	$1208	$203
Progressive	$1215	$205
USAA	$1245	$210
Nationwide	$1421	$239
Auto-Owners	$1436	$242
Farmers	$1466	$247
North Star Mutual	$1952	$332
Farm Bureau	$2232	$372

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Average Car Insurance in Okaton 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 Okaton, SD increasing?

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

Car Insurance Premiums by Age in Okaton

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 Okaton,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Okaton at $32 per month. At $4257 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$191	$32
North Star Mutual Insurance	$236	$40
Kemper	$243	$41
Auto-Owners Insurance Co	$258	$43
Farmers Mutual of Nebraska	$950	$160
USAA	$1664	$280
State Farm	$1686	$284
Progressive	$2150	$362
North Star Mutual	$2518	$420
Auto-Owners	$3558	$599
Nationwide	$4161	$701
Farm Bureau	$4242	$722
Allstate	$6326	$1054
Farmers	$4257	$709

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 Okaton, American Family is the cheapest car insurance provider. At $170 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 Okaton is Farmers, offering rates of around $2313 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$170	$29
Western National	$221	$37
Iowa Farm Bureau	$295	$50
Kemper	$339	$57
Farmers Mutual of Nebraska	$596	$100
Progressive	$914	$154
USAA	$2092	$356
Nationwide	$2673	$445
North Star Mutual	$3241	$551
Farm Bureau	$4184	$697
Auto-Owners	$5046	$858
State Farm	$6136	$1023
Farmers	$2313	$393

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Car Insurance Rates with An Accident in Okaton

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

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

The cheapest car insurance companies after an at-fault accident in Okaton include American Family and Western National, offering $206 and $236, respectively. Farmers is an expensive provider with an average six-month premium of $1982.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Western National	$236	$40
Kemper	$265	$45
Auto-Owners Insurance Co	$273	$46
North Star Mutual Insurance	$405	$67
State Farm	$634	$107
Farmers Mutual of Nebraska	$684	$115
Progressive	$847	$143
USAA	$892	$150
Auto-Owners	$1363	$229
Allstate	$1768	$295
Nationwide	$2445	$412
North Star Mutual	$3374	$562
Farm Bureau	$3425	$583
Farmers	$1982	$337

Okaton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Okaton SD. For example, the car insurance in Okaton after a DUI increases to $1075 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Okaton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1230	$205
One Med/PIP claim	$1230	$210
Not-at-fault accident	$1260	$210
Two Med/PIP claims	$1303	$222
One comp claim	$1311	$218
Failure to show documents	$1355	$231
Two comp claims	$1355	$226
Failure to wear a seat belt	$1393	$237
Child safety restraint	$1414	$236
Driving without lights	$1414	$241
Driving with expired registration	$1421	$237
Wrong way/wrong lane	$1421	$242
Cell phone violation	$1428	$238
Driving too slowly	$1428	$243
Texting while driving	$1428	$238
Failure to stop at a red light	$1436	$244
Failure to yield	$1436	$239
Following too closely	$1436	$244
Illegal turn	$1436	$239
Speeding 6 - 10 MPH over limit	$1436	$244
Improper passing	$1451	$242
Speeding 11 - 15 MPH over limit	$1458	$248
Speeding 16 - 20 MPH over limit	$1466	$244
Operating a vehicle without permission	$1503	$255
At-fault accident - less than $1000	$1518	$253
In 65 MPH zone	$1518	$258
Speeding in school zone	$1525	$254
Speeding 21 - 25 MPH over limit	$1561	$265
Passing school bus	$1628	$272
Open container	$1686	$286
At-fault accident - $1000-$2000	$1709	$285
At-fault accident - greater than $2000	$1709	$290
Driving with a suspended license	$2062	$343
Reckless driving	$2084	$355
Refusal to submit to a chemical test	$2202	$367
Racing	$2275	$387
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2357	$401

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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 Okaton 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 Okaton.

The cheapest car insurance premiums in Okaton are offered by American Family at $198 for a six-month policy. However, it can be as expensive as $2084 with companies like Farmers.

Okaton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$198	$33
Western National	$221	$37
Progressive	$781	$131
Farmers Mutual of Nebraska	$980	$165
State Farm	$980	$165
USAA	$1724	$290
Auto-Owners	$1849	$311
Allstate	$1967	$335
Nationwide	$3226	$543
Farm Bureau	$4722	$802
North Star Mutual	$5635	$939
Farmers	$2084	$347

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 Okaton are offered by American Family at $198. However, it can be as expensive as $2180 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Okaton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$198	$33
Kemper	$206	$35
Western National	$221	$37
Auto-Owners Insurance Co	$228	$38
Farmers Mutual of Nebraska	$339	$57
Progressive	$456	$77
State Farm	$456	$77
North Star Mutual	$582	$99
USAA	$722	$120
Auto-Owners	$1318	$224
Farm Bureau	$1443	$241
Nationwide	$1753	$298
Farmers	$2180	$363

Car Insurance Price Trends in Okaton, South Dakota

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

The average cost of full coverage in the Okaton rose by $210 in January compared to $206 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 Okaton remained steady at $37 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 Okaton?

The car insurance in Okaton is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Okaton?

The cheapest car insurance in Okaton is $62 per month for full coverage.

How much is car insurance in Okaton for teenagers?

Car insurance for teenagers costs $191 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 Okaton?

The average cost of car insurance is $954 for a six-month policy. It will cost around $198 per month to insure your car in Okaton.

Is car insurance expensive in Okaton?

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

What is the best car insurance in Okaton, SD?

The best car insurance company in Okaton SD is American Family, offering $376 for a six-month policy.