Cheapest Car Insurance Quotes in Okreek

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Okreek 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 Okreek

The car insurance rate in Okreek is $1135 for a six-month policy, which is $181 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Okreek 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 Okreek

$1135

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Okreek

1st place: American Family

At $361 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 $466 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 $580 for six months, making it the third cheapest auto insurance company in Okreek.

Okreek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Okreek, SD is American Family, offering policies at just $361 for a six-month term. This is followed by Kemper, which has an average six-month premium of $466.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2142 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Okreek drivers find the best deals.

Cheap Car Insurance Companies in Okreek, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$361	$60
Kemper	$466	$80
Farmers Mutual of Nebraska	$580	$98
Auto-Owners Insurance Co	$615	$105
State Farm	$1067	$180
Allstate	$1159	$195
Progressive	$1166	$196
USAA	$1195	$201
Nationwide	$1364	$230
Auto-Owners	$1378	$232
Farmers	$1407	$237
North Star Mutual	$1873	$319
Farm Bureau	$2142	$357

Key Takeaways

Way's key takeaways about car insurance in Okreek

The auto insurance costs in Okreek fall around $361 for six months.
The cheapest auto insurance company in Okreek is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Okreek at $681 per month.

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Cheapest Minimum Liability Car Insurance in Okreek

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 Okreek are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Okreek. Their Average 6 Month Premium is $120. Farmers is the most expensive at $445 for the same period.

Cheapest Liability Coverage in Okreek, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$120	$20
American Family	$142	$24
Kemper	$163	$27
USAA	$170	$29
Progressive	$177	$30
Auto-Owners Insurance Co	$190	$32
State Farm	$198	$33
North Star Mutual	$212	$36
Auto-Owners	$219	$37
North Star Mutual Insurance	$255	$43
Farm Bureau	$296	$50
Nationwide	$382	$64
Allstate	$417	$71
Farmers	$445	$76

Cheapest Full Coverage Car Insurance in Okreek

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 Okreek is American Family at $60 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Okreek, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$361	$60
Kemper	$466	$80
Farmers Mutual of Nebraska	$580	$98
Auto-Owners Insurance Co	$615	$105
State Farm	$1067	$180
Allstate	$1159	$195
Progressive	$1166	$196
USAA	$1195	$201
Nationwide	$1364	$230
Auto-Owners	$1378	$232
Farmers	$1407	$237
North Star Mutual	$1873	$319
Farm Bureau	$2142	$357

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Average Car Insurance in Okreek 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 Okreek, SD increasing?

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

Car Insurance Premiums by Age in Okreek

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 Okreek,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Okreek at $31 per month. At $4085 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$183	$31
North Star Mutual Insurance	$226	$38
Kemper	$233	$39
Auto-Owners Insurance Co	$248	$42
Farmers Mutual of Nebraska	$912	$154
USAA	$1597	$269
State Farm	$1618	$273
Progressive	$2063	$347
North Star Mutual	$2417	$403
Auto-Owners	$3414	$575
Nationwide	$3994	$672
Farm Bureau	$4071	$693
Allstate	$6071	$1012
Farmers	$4085	$681

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 Okreek, American Family is the cheapest car insurance provider. At $163 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 Okreek is Farmers, offering rates of around $2219 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$27
Western National	$212	$36
Iowa Farm Bureau	$283	$48
Kemper	$325	$55
Farmers Mutual of Nebraska	$572	$96
Progressive	$877	$148
USAA	$2008	$342
Nationwide	$2566	$427
North Star Mutual	$3111	$528
Farm Bureau	$4015	$669
Auto-Owners	$4842	$823
State Farm	$5888	$982
Farmers	$2219	$377

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Car Insurance Rates with An Accident in Okreek

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

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

The cheapest car insurance companies after an at-fault accident in Okreek include American Family and Western National, offering $198 and $226, respectively. Farmers is an expensive provider with an average six-month premium of $1902.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$198	$33
Western National	$226	$38
Kemper	$255	$43
Auto-Owners Insurance Co	$262	$44
North Star Mutual Insurance	$389	$64
State Farm	$608	$102
Farmers Mutual of Nebraska	$657	$111
Progressive	$813	$137
USAA	$856	$144
Auto-Owners	$1308	$220
Allstate	$1697	$283
Nationwide	$2347	$395
North Star Mutual	$3238	$539
Farm Bureau	$3287	$559
Farmers	$1902	$324

Okreek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Okreek SD. For example, the car insurance in Okreek after a DUI increases to $1032 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Okreek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1180	$196
One Med/PIP claim	$1180	$201
Not-at-fault accident	$1209	$201
Two Med/PIP claims	$1251	$213
One comp claim	$1258	$209
Failure to show documents	$1301	$221
Two comp claims	$1301	$217
Failure to wear a seat belt	$1336	$227
Child safety restraint	$1357	$226
Driving without lights	$1357	$231
Driving with expired registration	$1364	$227
Wrong way/wrong lane	$1364	$232
Cell phone violation	$1371	$228
Driving too slowly	$1371	$233
Texting while driving	$1371	$228
Failure to stop at a red light	$1378	$234
Failure to yield	$1378	$230
Following too closely	$1378	$234
Illegal turn	$1378	$230
Speeding 6 - 10 MPH over limit	$1378	$234
Improper passing	$1392	$232
Speeding 11 - 15 MPH over limit	$1399	$238
Speeding 16 - 20 MPH over limit	$1407	$234
Operating a vehicle without permission	$1442	$245
At-fault accident - less than $1000	$1457	$243
In 65 MPH zone	$1457	$248
Speeding in school zone	$1464	$244
Speeding 21 - 25 MPH over limit	$1498	$255
Passing school bus	$1562	$261
Open container	$1618	$275
At-fault accident - $1000-$2000	$1640	$274
At-fault accident - greater than $2000	$1640	$278
Driving with a suspended license	$1979	$330
Reckless driving	$2000	$340
Refusal to submit to a chemical test	$2113	$352
Racing	$2184	$371
DUI	$2212	$369
Leaving scene of an accident/hit and run	$2262	$384

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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 Okreek 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 Okreek.

The cheapest car insurance premiums in Okreek are offered by American Family at $190 for a six-month policy. However, it can be as expensive as $2000 with companies like Farmers.

Okreek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$190	$32
Western National	$212	$36
Progressive	$750	$126
Farmers Mutual of Nebraska	$940	$158
State Farm	$940	$158
USAA	$1654	$278
Auto-Owners	$1774	$299
Allstate	$1887	$321
Nationwide	$3096	$521
Farm Bureau	$4532	$770
North Star Mutual	$5407	$901
Farmers	$2000	$333

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 Okreek are offered by American Family at $190. However, it can be as expensive as $2092 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Okreek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$190	$32
Kemper	$198	$33
Western National	$212	$36
Auto-Owners Insurance Co	$219	$37
Farmers Mutual of Nebraska	$325	$55
Progressive	$438	$74
State Farm	$438	$74
North Star Mutual	$558	$95
USAA	$693	$115
Auto-Owners	$1265	$215
Farm Bureau	$1385	$231
Nationwide	$1683	$286
Farmers	$2092	$349

Car Insurance Price Trends in Okreek, South Dakota

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

The average cost of full coverage in the Okreek rose by $201 in January compared to $198 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 Okreek remained steady at $36 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 Okreek?

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

What is the cheapest car insurance in Okreek?

The cheapest car insurance in Okreek is $60 per month for full coverage.

How much is car insurance in Okreek for teenagers?

Car insurance for teenagers costs $183 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 Okreek?

The average cost of car insurance is $954 for a six-month policy. It will cost around $190 per month to insure your car in Okreek.

Is car insurance expensive in Okreek?

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

What is the best car insurance in Okreek, SD?

The best car insurance company in Okreek SD is American Family, offering $361 for a six-month policy.