Cheapest Car Insurance Quotes in Orient

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408,850 Policies Sold

Orient Car Insurance

^$ 16

/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 Orient

The car insurance rate in Orient is $906 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $288, making it a popular choice for budget-conscious drivers. Rates in Orient 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 Orient

$906

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Orient

1st place: American Family

At $288 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 $372 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 $463 for six months, making it the third cheapest auto insurance company in Orient.

Orient Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orient, SD is American Family, offering policies at just $288 for a six-month term. This is followed by Kemper, which has an average six-month premium of $372.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1710 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orient drivers find the best deals.

Cheap Car Insurance Companies in Orient, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$48
Kemper	$372	$64
Farmers Mutual of Nebraska	$463	$78
Auto-Owners Insurance Co	$491	$84
State Farm	$852	$143
Allstate	$925	$156
Progressive	$931	$157
USAA	$954	$161
Nationwide	$1089	$183
Auto-Owners	$1100	$185
Farmers	$1123	$189
North Star Mutual	$1495	$255
Farm Bureau	$1710	$285

Key Takeaways

Way's key takeaways about car insurance in Orient

The auto insurance costs in Orient fall around $288 for six months.
The cheapest auto insurance company in Orient is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Orient at $543 per month.

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Cheapest Minimum Liability Car Insurance in Orient

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 Orient are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Orient. Their Average 6 Month Premium is $96. Farmers is the most expensive at $355 for the same period.

Cheapest Liability Coverage in Orient, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$96	$16
American Family	$113	$19
Kemper	$130	$22
USAA	$136	$23
Progressive	$142	$24
Auto-Owners Insurance Co	$152	$26
State Farm	$158	$27
North Star Mutual	$169	$29
Auto-Owners	$175	$29
North Star Mutual Insurance	$203	$34
Farm Bureau	$237	$40
Nationwide	$305	$51
Allstate	$333	$57
Farmers	$355	$61

Cheapest Full Coverage Car Insurance in Orient

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 Orient is American Family at $48 per month and $288 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orient, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$48
Kemper	$372	$64
Farmers Mutual of Nebraska	$463	$78
Auto-Owners Insurance Co	$491	$84
State Farm	$852	$143
Allstate	$925	$156
Progressive	$931	$157
USAA	$954	$161
Nationwide	$1089	$183
Auto-Owners	$1100	$185
Farmers	$1123	$189
North Star Mutual	$1495	$255
Farm Bureau	$1710	$285

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Average Car Insurance in Orient 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 Orient, SD increasing?

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

Car Insurance Premiums by Age in Orient

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 Orient,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Orient at $25 per month. At $3261 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$146	$25
North Star Mutual Insurance	$181	$30
Kemper	$186	$31
Auto-Owners Insurance Co	$198	$33
Farmers Mutual of Nebraska	$728	$123
USAA	$1275	$215
State Farm	$1292	$218
Progressive	$1647	$277
North Star Mutual	$1929	$322
Auto-Owners	$2726	$459
Nationwide	$3188	$537
Farm Bureau	$3250	$553
Allstate	$4847	$808
Farmers	$3261	$543

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 Orient, American Family is the cheapest car insurance provider. At $130 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 Orient is Farmers, offering rates of around $1772 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$130	$22
Western National	$169	$29
Iowa Farm Bureau	$226	$38
Kemper	$259	$44
Farmers Mutual of Nebraska	$457	$77
Progressive	$700	$118
USAA	$1603	$273
Nationwide	$2048	$341
North Star Mutual	$2483	$422
Farm Bureau	$3205	$534
Auto-Owners	$3866	$657
State Farm	$4701	$784
Farmers	$1772	$301

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Car Insurance Rates with An Accident in Orient

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

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

The cheapest car insurance companies after an at-fault accident in Orient include American Family and Western National, offering $158 and $181, respectively. Farmers is an expensive provider with an average six-month premium of $1518.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$158	$27
Western National	$181	$30
Kemper	$203	$34
Auto-Owners Insurance Co	$209	$35
North Star Mutual Insurance	$311	$51
State Farm	$485	$82
Farmers Mutual of Nebraska	$524	$88
Progressive	$649	$109
USAA	$683	$115
Auto-Owners	$1044	$176
Allstate	$1355	$226
Nationwide	$1873	$315
North Star Mutual	$2585	$430
Farm Bureau	$2624	$447
Farmers	$1518	$258

Orient Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orient SD. For example, the car insurance in Orient after a DUI increases to $824 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Orient auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$942	$157
One Med/PIP claim	$942	$161
Not-at-fault accident	$965	$161
Two Med/PIP claims	$998	$170
One comp claim	$1004	$167
Failure to show documents	$1038	$177
Two comp claims	$1038	$173
Failure to wear a seat belt	$1067	$181
Child safety restraint	$1083	$181
Driving without lights	$1083	$184
Driving with expired registration	$1089	$181
Wrong way/wrong lane	$1089	$185
Cell phone violation	$1094	$182
Driving too slowly	$1094	$186
Texting while driving	$1094	$182
Failure to stop at a red light	$1100	$187
Failure to yield	$1100	$183
Following too closely	$1100	$187
Illegal turn	$1100	$183
Speeding 6 - 10 MPH over limit	$1100	$187
Improper passing	$1112	$185
Speeding 11 - 15 MPH over limit	$1117	$190
Speeding 16 - 20 MPH over limit	$1123	$187
Operating a vehicle without permission	$1151	$196
At-fault accident - less than $1000	$1163	$194
In 65 MPH zone	$1163	$198
Speeding in school zone	$1169	$195
Speeding 21 - 25 MPH over limit	$1196	$203
Passing school bus	$1247	$208
Open container	$1292	$219
At-fault accident - $1000-$2000	$1309	$219
At-fault accident - greater than $2000	$1309	$222
Driving with a suspended license	$1580	$263
Reckless driving	$1597	$272
Refusal to submit to a chemical test	$1687	$281
Racing	$1743	$296
DUI	$1766	$295
Leaving scene of an accident/hit and run	$1806	$307

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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 Orient 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 Orient.

The cheapest car insurance premiums in Orient are offered by American Family at $152 for a six-month policy. However, it can be as expensive as $1597 with companies like Farmers.

Orient car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
Western National	$169	$29
Progressive	$599	$101
Farmers Mutual of Nebraska	$751	$126
State Farm	$751	$126
USAA	$1321	$222
Auto-Owners	$1416	$238
Allstate	$1507	$257
Nationwide	$2472	$416
Farm Bureau	$3618	$615
North Star Mutual	$4317	$719
Farmers	$1597	$266

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 Orient are offered by American Family at $152. However, it can be as expensive as $1670 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Orient after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$152	$26
Kemper	$158	$27
Western National	$169	$29
Auto-Owners Insurance Co	$175	$29
Farmers Mutual of Nebraska	$259	$44
Progressive	$350	$59
State Farm	$350	$59
North Star Mutual	$446	$76
USAA	$553	$92
Auto-Owners	$1010	$172
Farm Bureau	$1106	$184
Nationwide	$1343	$228
Farmers	$1670	$278

Car Insurance Price Trends in Orient, South Dakota

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

The average cost of full coverage in the Orient remained steady at $161 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Orient remained steady at $29 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Orient?

The car insurance in Orient is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Orient?

The cheapest car insurance in Orient is $48 per month for full coverage.

How much is car insurance in Orient for teenagers?

Car insurance for teenagers costs $146 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 Orient?

The average cost of car insurance is $954 for a six-month policy. It will cost around $152 per month to insure your car in Orient.

Is car insurance expensive in Orient?

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

What is the best car insurance in Orient, SD?

The best car insurance company in Orient SD is American Family, offering $288 for a six-month policy.