Cheapest Car Insurance Quotes in Parmelee

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Parmelee Car Insurance

^$ 22

/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 Parmelee

The car insurance rate in Parmelee is $1212 for a six-month policy, which is $258 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Parmelee 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 Parmelee

$1212

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Parmelee

1st place: American Family

At $385 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 $498 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 $618 for six months, making it the third cheapest auto insurance company in Parmelee.

Parmelee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Parmelee, SD is American Family, offering policies at just $385 for a six-month term. This is followed by Kemper, which has an average six-month premium of $498.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2286 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Parmelee drivers find the best deals.

Cheap Car Insurance Companies in Parmelee, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$385	$64
Kemper	$498	$85
Farmers Mutual of Nebraska	$618	$104
Auto-Owners Insurance Co	$657	$112
State Farm	$1139	$192
Allstate	$1237	$208
Progressive	$1245	$210
USAA	$1275	$215
Nationwide	$1455	$245
Auto-Owners	$1471	$248
Farmers	$1501	$253
North Star Mutual	$1999	$340
Farm Bureau	$2286	$381

Key Takeaways

Way's key takeaways about car insurance in Parmelee

The auto insurance costs in Parmelee fall around $385 for six months.
The cheapest auto insurance company in Parmelee is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Parmelee at $726 per month.

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Cheapest Minimum Liability Car Insurance in Parmelee

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 Parmelee are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Parmelee. Their Average 6 Month Premium is $128. Farmers is the most expensive at $475 for the same period.

Cheapest Liability Coverage in Parmelee, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$128	$22
American Family	$151	$25
Kemper	$174	$29
USAA	$182	$30
Progressive	$189	$32
Auto-Owners Insurance Co	$203	$34
State Farm	$211	$36
North Star Mutual	$226	$38
Auto-Owners	$234	$39
North Star Mutual Insurance	$272	$46
Farm Bureau	$316	$53
Nationwide	$408	$69
Allstate	$445	$76
Farmers	$475	$81

Cheapest Full Coverage Car Insurance in Parmelee

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 Parmelee is American Family at $64 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Parmelee, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$385	$64
Kemper	$498	$85
Farmers Mutual of Nebraska	$618	$104
Auto-Owners Insurance Co	$657	$112
State Farm	$1139	$192
Allstate	$1237	$208
Progressive	$1245	$210
USAA	$1275	$215
Nationwide	$1455	$245
Auto-Owners	$1471	$248
Farmers	$1501	$253
North Star Mutual	$1999	$340
Farm Bureau	$2286	$381

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Average Car Insurance in Parmelee 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 Parmelee, SD increasing?

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

Car Insurance Premiums by Age in Parmelee

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 Parmelee,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Parmelee at $33 per month. At $4360 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$196	$33
North Star Mutual Insurance	$241	$41
Kemper	$249	$42
Auto-Owners Insurance Co	$264	$44
Farmers Mutual of Nebraska	$973	$164
USAA	$1704	$287
State Farm	$1727	$291
Progressive	$2202	$371
North Star Mutual	$2579	$431
Auto-Owners	$3644	$613
Nationwide	$4262	$718
Farm Bureau	$4345	$739
Allstate	$6480	$1080
Farmers	$4360	$726

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 Parmelee, American Family is the cheapest car insurance provider. At $174 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 Parmelee is Farmers, offering rates of around $2369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Western National	$226	$38
Iowa Farm Bureau	$302	$51
Kemper	$347	$58
Farmers Mutual of Nebraska	$611	$103
Progressive	$936	$157
USAA	$2142	$364
Nationwide	$2738	$456
North Star Mutual	$3320	$564
Farm Bureau	$4285	$714
Auto-Owners	$5168	$879
State Farm	$6284	$1048
Farmers	$2369	$403

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Car Insurance Rates with An Accident in Parmelee

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

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

The cheapest car insurance companies after an at-fault accident in Parmelee include American Family and Western National, offering $211 and $241, respectively. Farmers is an expensive provider with an average six-month premium of $2029.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$211	$36
Western National	$241	$41
Kemper	$272	$46
Auto-Owners Insurance Co	$279	$47
North Star Mutual Insurance	$415	$69
State Farm	$649	$109
Farmers Mutual of Nebraska	$701	$118
Progressive	$867	$146
USAA	$913	$154
Auto-Owners	$1396	$235
Allstate	$1811	$302
Nationwide	$2504	$422
North Star Mutual	$3456	$575
Farm Bureau	$3508	$597
Farmers	$2029	$345

Parmelee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Parmelee SD. For example, the car insurance in Parmelee after a DUI increases to $1101 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Parmelee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1260	$210
One Med/PIP claim	$1260	$215
Not-at-fault accident	$1290	$215
Two Med/PIP claims	$1335	$227
One comp claim	$1342	$224
Failure to show documents	$1388	$236
Two comp claims	$1388	$231
Failure to wear a seat belt	$1426	$243
Child safety restraint	$1448	$241
Driving without lights	$1448	$246
Driving with expired registration	$1455	$243
Wrong way/wrong lane	$1455	$248
Cell phone violation	$1463	$244
Driving too slowly	$1463	$249
Texting while driving	$1463	$244
Failure to stop at a red light	$1471	$250
Failure to yield	$1471	$245
Following too closely	$1471	$250
Illegal turn	$1471	$245
Speeding 6 - 10 MPH over limit	$1471	$250
Improper passing	$1486	$248
Speeding 11 - 15 MPH over limit	$1494	$254
Speeding 16 - 20 MPH over limit	$1501	$250
Operating a vehicle without permission	$1539	$262
At-fault accident - less than $1000	$1554	$259
In 65 MPH zone	$1554	$264
Speeding in school zone	$1562	$260
Speeding 21 - 25 MPH over limit	$1599	$272
Passing school bus	$1668	$278
Open container	$1727	$293
At-fault accident - $1000-$2000	$1750	$292
At-fault accident - greater than $2000	$1750	$297
Driving with a suspended license	$2112	$352
Reckless driving	$2135	$363
Refusal to submit to a chemical test	$2256	$376
Racing	$2330	$396
DUI	$2361	$394
Leaving scene of an accident/hit and run	$2414	$410

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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 Parmelee 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 Parmelee.

The cheapest car insurance premiums in Parmelee are offered by American Family at $203 for a six-month policy. However, it can be as expensive as $2135 with companies like Farmers.

Parmelee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$203	$34
Western National	$226	$38
Progressive	$800	$135
Farmers Mutual of Nebraska	$1003	$169
State Farm	$1003	$169
USAA	$1765	$297
Auto-Owners	$1894	$319
Allstate	$2014	$343
Nationwide	$3305	$556
Farm Bureau	$4836	$822
North Star Mutual	$5771	$961
Farmers	$2135	$356

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 Parmelee are offered by American Family at $203. However, it can be as expensive as $2233 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Parmelee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$203	$34
Kemper	$211	$36
Western National	$226	$38
Auto-Owners Insurance Co	$234	$39
Farmers Mutual of Nebraska	$347	$58
Progressive	$467	$79
State Farm	$467	$79
North Star Mutual	$596	$102
USAA	$739	$123
Auto-Owners	$1350	$230
Farm Bureau	$1478	$246
Nationwide	$1796	$305
Farmers	$2233	$372

Car Insurance Price Trends in Parmelee, South Dakota

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

The average cost of full coverage in the Parmelee rose by $215 in January compared to $211 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Parmelee remained steady at $38 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 Parmelee?

The car insurance in Parmelee is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Parmelee?

The cheapest car insurance in Parmelee is $64 per month for full coverage.

How much is car insurance in Parmelee for teenagers?

Car insurance for teenagers costs $196 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 Parmelee?

The average cost of car insurance is $954 for a six-month policy. It will cost around $203 per month to insure your car in Parmelee.

Is car insurance expensive in Parmelee?

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

What is the best car insurance in Parmelee, SD?

The best car insurance company in Parmelee SD is American Family, offering $385 for a six-month policy.