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Onida 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 Onida is $983 for a six-month policy, which is $29 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Onida 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 $312 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
Kemper offers auto insurance rates at $404 for a six-month policy, making it one of the cheapest to insure with.
Farmers Mutual of Nebraska offers auto insurance rates at $502 for six months, making it the third cheapest auto insurance company in Onida.
Based on our research, the cheapest car insurance company in Onida, SD is American Family, offering policies at just $312 for a six-month term. This is followed by Kemper, which has an average six-month premium of $404.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1854 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Onida drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $312 | $52 |
| Kemper | $404 | $69 |
| Farmers Mutual of Nebraska | $502 | $84 |
| Auto-Owners Insurance Co | $533 | $91 |
| State Farm | $924 | $156 |
| Allstate | $1003 | $169 |
| Progressive | $1009 | $170 |
| USAA | $1034 | $174 |
| Nationwide | $1180 | $199 |
| Auto-Owners | $1193 | $201 |
| Farmers | $1217 | $205 |
| North Star Mutual | $1621 | $276 |
| Farm Bureau | $1854 | $309 |
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 Onida are given below.
Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Onida. Their Average 6 Month Premium is $104. Farmers is the most expensive at $385 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Mutual of Nebraska | $104 | $18 |
| American Family | $123 | $21 |
| Kemper | $141 | $24 |
| USAA | $147 | $25 |
| Progressive | $153 | $26 |
| Auto-Owners Insurance Co | $165 | $28 |
| State Farm | $171 | $29 |
| North Star Mutual | $183 | $31 |
| Auto-Owners | $190 | $32 |
| North Star Mutual Insurance | $220 | $37 |
| Farm Bureau | $256 | $43 |
| Nationwide | $331 | $56 |
| Allstate | $361 | $62 |
| Farmers | $385 | $66 |
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 Onida is American Family at $52 per month and $312 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $312 | $52 |
| Kemper | $404 | $69 |
| Farmers Mutual of Nebraska | $502 | $84 |
| Auto-Owners Insurance Co | $533 | $91 |
| State Farm | $924 | $156 |
| Allstate | $1003 | $169 |
| Progressive | $1009 | $170 |
| USAA | $1034 | $174 |
| Nationwide | $1180 | $199 |
| Auto-Owners | $1193 | $201 |
| Farmers | $1217 | $205 |
| North Star Mutual | $1621 | $276 |
| Farm Bureau | $1854 | $309 |
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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 Onida, 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, Onida'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, American Family provides the cheapest car insurance in the Onida at $27 per month. At $3536 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $159 | $27 |
| North Star Mutual Insurance | $196 | $33 |
| Kemper | $202 | $34 |
| Auto-Owners Insurance Co | $214 | $36 |
| Farmers Mutual of Nebraska | $789 | $133 |
| USAA | $1382 | $233 |
| State Farm | $1401 | $236 |
| Progressive | $1786 | $301 |
| North Star Mutual | $2092 | $349 |
| Auto-Owners | $2955 | $497 |
| Nationwide | $3457 | $582 |
| Farm Bureau | $3524 | $599 |
| Allstate | $5255 | $876 |
| Farmers | $3536 | $589 |
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 Onida, American Family is the cheapest car insurance provider. At $141 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 Onida is Farmers, offering rates of around $1921 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $141 | $24 |
| Western National | $183 | $31 |
| Iowa Farm Bureau | $245 | $41 |
| Kemper | $281 | $47 |
| Farmers Mutual of Nebraska | $495 | $83 |
| Progressive | $759 | $128 |
| USAA | $1738 | $296 |
| Nationwide | $2221 | $370 |
| North Star Mutual | $2692 | $457 |
| Farm Bureau | $3475 | $579 |
| Auto-Owners | $4191 | $713 |
| State Farm | $5096 | $850 |
| Farmers | $1921 | $327 |
Save up to $971/yr on car insurance rates in Onida.
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 Onida, SD, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Onida include American Family and Western National, offering $171 and $196, respectively. Farmers is an expensive provider with an average six-month premium of $1646.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $171 | $29 |
| Western National | $196 | $33 |
| Kemper | $220 | $37 |
| Auto-Owners Insurance Co | $227 | $38 |
| North Star Mutual Insurance | $337 | $56 |
| State Farm | $526 | $89 |
| Farmers Mutual of Nebraska | $569 | $96 |
| Progressive | $703 | $118 |
| USAA | $741 | $125 |
| Auto-Owners | $1132 | $191 |
| Allstate | $1469 | $245 |
| Nationwide | $2031 | $342 |
| North Star Mutual | $2803 | $467 |
| Farm Bureau | $2845 | $484 |
| Farmers | $1646 | $280 |
Here is a list of driving violations that can increase your car insurance rates in Onida SD. For example, the car insurance in Onida after a DUI increases to $893 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1022 | $170 |
| One Med/PIP claim | $1022 | $174 |
| Not-at-fault accident | $1046 | $174 |
| Two Med/PIP claims | $1083 | $184 |
| One comp claim | $1089 | $181 |
| Failure to show documents | $1126 | $192 |
| Two comp claims | $1126 | $187 |
| Failure to wear a seat belt | $1157 | $197 |
| Child safety restraint | $1174 | $196 |
| Driving without lights | $1174 | $200 |
| Driving with expired registration | $1180 | $197 |
| Wrong way/wrong lane | $1180 | $201 |
| Cell phone violation | $1187 | $198 |
| Driving too slowly | $1187 | $202 |
| Texting while driving | $1187 | $198 |
| Failure to stop at a red light | $1193 | $203 |
| Failure to yield | $1193 | $199 |
| Following too closely | $1193 | $203 |
| Illegal turn | $1193 | $199 |
| Speeding 6 - 10 MPH over limit | $1193 | $203 |
| Improper passing | $1205 | $201 |
| Speeding 11 - 15 MPH over limit | $1211 | $206 |
| Speeding 16 - 20 MPH over limit | $1217 | $203 |
| Operating a vehicle without permission | $1248 | $212 |
| At-fault accident - less than $1000 | $1261 | $210 |
| In 65 MPH zone | $1261 | $214 |
| Speeding in school zone | $1267 | $211 |
| Speeding 21 - 25 MPH over limit | $1297 | $220 |
| Passing school bus | $1352 | $226 |
| Open container | $1401 | $238 |
| At-fault accident - $1000-$2000 | $1419 | $237 |
| At-fault accident - greater than $2000 | $1419 | $241 |
| Driving with a suspended license | $1713 | $285 |
| Reckless driving | $1731 | $295 |
| Refusal to submit to a chemical test | $1829 | $305 |
| Racing | $1890 | $321 |
| DUI | $1915 | $319 |
| Leaving scene of an accident/hit and run | $1958 | $333 |
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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 Onida.
The cheapest car insurance premiums in Onida are offered by American Family at $165 for a six-month policy. However, it can be as expensive as $1731 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $165 | $28 |
| Western National | $183 | $31 |
| Progressive | $649 | $109 |
| Farmers Mutual of Nebraska | $814 | $137 |
| State Farm | $814 | $137 |
| USAA | $1432 | $241 |
| Auto-Owners | $1536 | $259 |
| Allstate | $1634 | $278 |
| Nationwide | $2680 | $451 |
| Farm Bureau | $3922 | $666 |
| North Star Mutual | $4680 | $780 |
| Farmers | $1731 | $288 |
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 Onida are offered by American Family at $165. However, it can be as expensive as $1811 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $165 | $28 |
| Kemper | $171 | $29 |
| Western National | $183 | $31 |
| Auto-Owners Insurance Co | $190 | $32 |
| Farmers Mutual of Nebraska | $281 | $47 |
| Progressive | $379 | $64 |
| State Farm | $379 | $64 |
| North Star Mutual | $483 | $82 |
| USAA | $599 | $100 |
| Auto-Owners | $1095 | $186 |
| Farm Bureau | $1199 | $200 |
| Nationwide | $1456 | $247 |
| Farmers | $1811 | $302 |
Car insurance rates in Onida have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Onida rose by $174 in January compared to $171 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 Onida remained steady at $31 in both January and December, indicating no change over the two month period.
How much is car insurance in Onida?
The car insurance in Onida is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Onida?
The cheapest car insurance in Onida is $52 per month for full coverage.
How much is car insurance in Onida for teenagers?
Car insurance for teenagers costs $159 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 Onida?
The average cost of car insurance is $954 for a six-month policy. It will cost around $165 per month to insure your car in Onida.
Is car insurance expensive in Onida?
Car insurance can be expensive in Onida if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Onida can be affordable.
What is the best car insurance in Onida, SD?
The best car insurance company in Onida SD is American Family, offering $312 for a six-month policy.
Cut auto insurance costs in Onida right now.