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Onaka Car Insurance
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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.
The car insurance rate in Onaka is $811 for a six-month policy, which is $34 lower 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 Onaka 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.
At $376 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Farmers Mutual of Nebraska offers auto insurance rates at $433 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $496 for six months, making it the third cheapest auto insurance company in Onaka.
Based on our research, the cheapest car insurance company in Onaka, SD is Kemper, offering policies at just $376 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $433.
At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Onaka drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $376 | $62 |
| Farmers Mutual of Nebraska | $433 | $73 |
| Auto-Owners Insurance Co | $496 | $83 |
| American Family | $661 | $111 |
| State Farm | $804 | $135 |
| Allstate | $935 | $157 |
| USAA | $941 | $158 |
| Auto-Owners | $958 | $163 |
| Farmers | $998 | $168 |
| Progressive | $1009 | $170 |
| Nationwide | $1049 | $177 |
| North Star Mutual | $1078 | $183 |
Save up to $971/yr with our auto insurance quotes
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 Onaka are given below.
Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Onaka. Their Average 6 Month Premium is $103. North Star Mutual Insurance is the most expensive at $165 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $103 | $17 |
| Kemper | $132 | $22 |
| USAA | $132 | $22 |
| American Family | $137 | $23 |
| Auto-Owners | $148 | $25 |
| North Star Mutual | $148 | $25 |
| Auto-Owners Insurance Co | $154 | $26 |
| Progressive | $154 | $26 |
| State Farm | $154 | $26 |
| Farmers | $256 | $43 |
| Nationwide | $314 | $53 |
| Allstate | $336 | $58 |
| North Star Mutual Insurance | $165 | $28 |
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 Onaka is Kemper at $62 per month and $376 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $376 | $62 |
| Farmers Mutual of Nebraska | $433 | $73 |
| Auto-Owners Insurance Co | $496 | $83 |
| American Family | $661 | $111 |
| State Farm | $804 | $135 |
| Allstate | $935 | $157 |
| USAA | $941 | $158 |
| Auto-Owners | $958 | $163 |
| Farmers | $998 | $168 |
| Progressive | $1009 | $170 |
| Nationwide | $1049 | $177 |
| North Star Mutual | $1078 | $183 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Onaka, 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, Onaka's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Onaka at $32 per month. At $177 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 | $188 | $32 |
| Auto-Owners Insurance Co | $200 | $34 |
| Farmers Mutual of Nebraska | $593 | $100 |
| State Farm | $1140 | $192 |
| USAA | $1209 | $204 |
| American Family | $1557 | $262 |
| Farmers | $1716 | $289 |
| Progressive | $1790 | $301 |
| North Star Mutual | $2281 | $388 |
| Auto-Owners | $2378 | $396 |
| Nationwide | $3119 | $525 |
| Allstate | $4898 | $816 |
| North Star Mutual Insurance | $177 | $30 |
Teen Car Insurance Rates in SD by Age
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.
For those with poor credit scores in Onaka, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $97 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 Onaka is State Farm, offering rates of around $3165 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $97 | $16 |
| Western National | $171 | $29 |
| Iowa Farm Bureau | $228 | $38 |
| Kemper | $262 | $44 |
| American Family | $912 | $154 |
| Progressive | $970 | $163 |
| USAA | $1449 | $241 |
| North Star Mutual | $1785 | $303 |
| Farmers | $1790 | $299 |
| Nationwide | $1882 | $320 |
| State Farm | $3165 | $527 |
Save up to $971/yr on car insurance rates in Onaka.
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 Onaka, SD, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Onaka include Western National and Kemper, offering $182 and $205, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $297.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $182 | $31 |
| Kemper | $205 | $35 |
| Auto-Owners Insurance Co | $211 | $36 |
| Farmers Mutual of Nebraska | $428 | $72 |
| State Farm | $439 | $74 |
| USAA | $656 | $110 |
| Progressive | $690 | $116 |
| Auto-Owners | $708 | $119 |
| Farmers | $861 | $145 |
| American Family | $935 | $157 |
| Allstate | $1369 | $228 |
| Nationwide | $1796 | $302 |
| North Star Mutual | $1854 | $309 |
| North Star Mutual Insurance | $297 | $51 |
Here is a list of driving violations that can increase your car insurance rates in Onaka SD. For example, the car insurance in Onaka after a DUI increases to $833 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $952 | $158 |
| One Med/PIP claim | $952 | $162 |
| Not-at-fault accident | $975 | $162 |
| Two Med/PIP claims | $1009 | $172 |
| One comp claim | $1015 | $169 |
| Failure to show documents | $1049 | $179 |
| Two comp claims | $1049 | $175 |
| Failure to wear a seat belt | $1078 | $183 |
| Child safety restraint | $1094 | $182 |
| Driving without lights | $1094 | $186 |
| Driving with expired registration | $1100 | $183 |
| Wrong way/wrong lane | $1100 | $187 |
| Cell phone violation | $1106 | $184 |
| Driving too slowly | $1106 | $188 |
| Texting while driving | $1106 | $184 |
| Failure to stop at a red light | $1112 | $189 |
| Failure to yield | $1112 | $185 |
| Following too closely | $1112 | $189 |
| Illegal turn | $1112 | $185 |
| Speeding 6 - 10 MPH over limit | $1112 | $189 |
| Improper passing | $1123 | $187 |
| Speeding 11 - 15 MPH over limit | $1129 | $192 |
| Speeding 16 - 20 MPH over limit | $1135 | $189 |
| Operating a vehicle without permission | $1164 | $198 |
| At-fault accident - less than $1000 | $1175 | $196 |
| In 65 MPH zone | $1175 | $200 |
| Speeding in school zone | $1181 | $197 |
| Speeding 21 - 25 MPH over limit | $1209 | $205 |
| Passing school bus | $1260 | $210 |
| Open container | $1306 | $222 |
| At-fault accident - $1000-$2000 | $1323 | $221 |
| At-fault accident - greater than $2000 | $1323 | $225 |
| Driving with a suspended license | $1596 | $266 |
| Reckless driving | $1614 | $275 |
| Refusal to submit to a chemical test | $1705 | $284 |
| Racing | $1762 | $300 |
| DUI | $1785 | $298 |
| Leaving scene of an accident/hit and run | $1825 | $310 |
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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.
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 Onaka.
The cheapest car insurance premiums in Onaka are offered by Western National at $171 for a six-month policy. However, it can be as expensive as $3096 with companies like North Star Mutual.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $171 | $29 |
| Farmers Mutual of Nebraska | $611 | $103 |
| State Farm | $633 | $107 |
| Progressive | $650 | $109 |
| Farmers | $941 | $158 |
| American Family | $1026 | $173 |
| USAA | $1266 | $213 |
| Allstate | $1523 | $253 |
| Auto-Owners | $1546 | $263 |
| Nationwide | $2361 | $397 |
| North Star Mutual | $3096 | $526 |
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 Onaka are offered by Farmers Mutual of Nebraska at $103. However, it can be as expensive as $1688 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $103 | $17 |
| Kemper | $159 | $27 |
| Western National | $171 | $29 |
| Auto-Owners Insurance Co | $177 | $30 |
| State Farm | $297 | $50 |
| USAA | $444 | $76 |
| Progressive | $491 | $83 |
| North Star Mutual | $541 | $92 |
| American Family | $627 | $106 |
| Nationwide | $1437 | $245 |
| Farmers | $1688 | $281 |
Car insurance rates in Onaka have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Onaka remained steady at $158 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Onaka remained steady at $29 in both December and November, indicating no change over the two month period.
How much is car insurance in Onaka?
The car insurance in Onaka is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Onaka?
The cheapest car insurance in Onaka is $62 per month for full coverage.
How much is car insurance in Onaka for teenagers?
Car insurance for teenagers costs $188 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 Onaka?
The average cost of car insurance is $845 for a six-month policy. It will cost around $136 per month to insure your car in Onaka.
Is car insurance expensive in Onaka?
Car insurance can be expensive in Onaka if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Onaka can be affordable.
What is the best car insurance in Onaka, SD?
The best car insurance company in Onaka SD is Kemper, offering $376 for a six-month policy.
Cut auto insurance costs in Onaka right now.