Cheapest Car Insurance Quotes in Okreek

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Okreek 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 Okreek

The car insurance rate in Okreek is $972 for a six-month policy, which is $127 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $451, 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

$972

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Okreek

1st place: Kemper

At $451 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 $519 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 $595 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 Kemper, offering policies at just $451 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $519.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1291 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
Kemper	$451	$75
Farmers Mutual of Nebraska	$519	$87
Auto-Owners Insurance Co	$595	$99
American Family	$792	$133
State Farm	$964	$162
Allstate	$1120	$189
USAA	$1127	$190
Auto-Owners	$1148	$195
Farmers	$1196	$201
Progressive	$1209	$204
Nationwide	$1257	$212
North Star Mutual	$1291	$220

Key Takeaways

Way's key takeaways about car insurance in Okreek

The auto insurance costs in Okreek fall around $451 for six months.
The cheapest auto insurance company in Okreek is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Okreek at $36 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 $123. North Star Mutual Insurance is the most expensive at $198 for the same period.

Cheapest Liability Coverage in Okreek, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$123	$21
Kemper	$158	$26
USAA	$158	$26
American Family	$164	$28
Auto-Owners	$177	$30
North Star Mutual	$177	$30
Auto-Owners Insurance Co	$184	$31
Progressive	$184	$31
State Farm	$184	$31
Farmers	$307	$52
Nationwide	$376	$63
Allstate	$402	$69
North Star Mutual Insurance	$198	$33

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 Kemper at $75 per month and $451 for six months.

Cheapest Full Coverage Car Insurance Quotes in Okreek, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$451	$75
Farmers Mutual of Nebraska	$519	$87
Auto-Owners Insurance Co	$595	$99
American Family	$792	$133
State Farm	$964	$162
Allstate	$1120	$189
USAA	$1127	$190
Auto-Owners	$1148	$195
Farmers	$1196	$201
Progressive	$1209	$204
Nationwide	$1257	$212
North Star Mutual	$1291	$220

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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, Kemper provides the cheapest car insurance in the Okreek at $38 per month. At $212 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	$225	$38
Auto-Owners Insurance Co	$239	$40
Farmers Mutual of Nebraska	$711	$120
State Farm	$1366	$230
USAA	$1448	$244
American Family	$1865	$314
Farmers	$2056	$346
Progressive	$2145	$361
North Star Mutual	$2732	$465
Auto-Owners	$2849	$475
Nationwide	$3736	$629
Allstate	$5867	$977
North Star Mutual Insurance	$212	$36

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $116 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 State Farm, offering rates of around $3792 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$116	$20
Western National	$205	$35
Iowa Farm Bureau	$274	$46
Kemper	$314	$53
American Family	$1093	$184
Progressive	$1162	$195
USAA	$1735	$289
North Star Mutual	$2138	$363
Farmers	$2145	$358
Nationwide	$2254	$383
State Farm	$3792	$631

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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 Western National and Kemper, offering $218 and $246, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $355.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$218	$37
Kemper	$246	$41
Auto-Owners Insurance Co	$253	$43
Farmers Mutual of Nebraska	$513	$86
State Farm	$526	$89
USAA	$785	$132
Progressive	$827	$139
Auto-Owners	$848	$143
Farmers	$1032	$174
American Family	$1120	$189
Allstate	$1640	$274
Nationwide	$2152	$362
North Star Mutual	$2221	$370
North Star Mutual Insurance	$355	$61

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 $997 for a six month policy. While the rate increases by $191 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	$1141	$190
One Med/PIP claim	$1141	$194
Not-at-fault accident	$1168	$194
Two Med/PIP claims	$1209	$206
One comp claim	$1216	$202
Failure to show documents	$1257	$214
Two comp claims	$1257	$209
Failure to wear a seat belt	$1291	$220
Child safety restraint	$1311	$218
Driving without lights	$1311	$223
Driving with expired registration	$1318	$220
Wrong way/wrong lane	$1318	$224
Cell phone violation	$1325	$221
Driving too slowly	$1325	$225
Texting while driving	$1325	$221
Failure to stop at a red light	$1332	$227
Failure to yield	$1332	$222
Following too closely	$1332	$227
Illegal turn	$1332	$222
Speeding 6 - 10 MPH over limit	$1332	$227
Improper passing	$1346	$224
Speeding 11 - 15 MPH over limit	$1352	$230
Speeding 16 - 20 MPH over limit	$1359	$227
Operating a vehicle without permission	$1394	$237
At-fault accident - less than $1000	$1408	$235
In 65 MPH zone	$1408	$239
Speeding in school zone	$1415	$236
Speeding 21 - 25 MPH over limit	$1448	$246
Passing school bus	$1510	$252
Open container	$1564	$266
At-fault accident - $1000-$2000	$1585	$265
At-fault accident - greater than $2000	$1585	$269
Driving with a suspended license	$1912	$319
Reckless driving	$1933	$329
Refusal to submit to a chemical test	$2042	$340
Racing	$2110	$359
DUI	$2138	$357
Leaving scene of an accident/hit and run	$2186	$371

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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 Western National at $205 for a six-month policy. However, it can be as expensive as $3709 with companies like North Star Mutual.

Okreek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$205	$35
Farmers Mutual of Nebraska	$731	$123
State Farm	$758	$128
Progressive	$779	$131
Farmers	$1127	$190
American Family	$1229	$207
USAA	$1517	$255
Allstate	$1824	$304
Auto-Owners	$1851	$315
Nationwide	$2828	$476
North Star Mutual	$3709	$630

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 Farmers Mutual of Nebraska at $123. However, it can be as expensive as $2022 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
Farmers Mutual of Nebraska	$123	$21
Kemper	$191	$32
Western National	$205	$35
Auto-Owners Insurance Co	$212	$36
State Farm	$355	$60
USAA	$532	$91
Progressive	$588	$99
North Star Mutual	$649	$110
American Family	$751	$126
Nationwide	$1722	$293
Farmers	$2022	$337

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 remained steady at $190 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Okreek remained steady at $35 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 Okreek?

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

What is the cheapest car insurance in Okreek?

The cheapest car insurance in Okreek is $75 per month for full coverage.

How much is car insurance in Okreek for teenagers?

Car insurance for teenagers costs $225 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 $845 for a six-month policy. It will cost around $163 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 Kemper, offering $451 for a six-month policy.