Cheapest Car Insurance Quotes in Pierre

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406,175 Policies Sold

Pierre Car Insurance

^$ 17

/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 Pierre

The car insurance rate in Pierre is $935 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $297, making it a popular choice for budget-conscious drivers. Rates in Pierre 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 Pierre

$935

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Pierre

1st place: American Family

At $297 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 $384 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 $477 for six months, making it the third cheapest auto insurance company in Pierre.

Pierre Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pierre, SD is American Family, offering policies at just $297 for a six-month term. This is followed by Kemper, which has an average six-month premium of $384.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pierre drivers find the best deals.

Cheap Car Insurance Companies in Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$297	$49
Kemper	$384	$66
Farmers Mutual of Nebraska	$477	$80
Auto-Owners Insurance Co	$507	$86
State Farm	$879	$148
Allstate	$955	$161
Progressive	$960	$162
USAA	$984	$166
Nationwide	$1123	$189
Auto-Owners	$1135	$191
Farmers	$1158	$195
North Star Mutual	$1543	$263
Farm Bureau	$1764	$294

Key Takeaways

Way's key takeaways about car insurance in Pierre

The auto insurance costs in Pierre fall around $297 for six months.
The cheapest auto insurance company in Pierre is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Pierre at $561 per month.

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Cheapest Minimum Liability Car Insurance in Pierre

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 Pierre are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Pierre. Their Average 6 Month Premium is $99. Farmers is the most expensive at $367 for the same period.

Cheapest Liability Coverage in Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$99	$17
American Family	$117	$20
Kemper	$134	$23
USAA	$140	$24
Progressive	$146	$25
Auto-Owners Insurance Co	$157	$26
State Farm	$163	$27
North Star Mutual	$174	$29
Auto-Owners	$180	$30
North Star Mutual Insurance	$210	$35
Farm Bureau	$244	$41
Nationwide	$315	$53
Allstate	$343	$59
Farmers	$367	$63

Cheapest Full Coverage Car Insurance in Pierre

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 Pierre is American Family at $49 per month and $297 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pierre, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$297	$49
Kemper	$384	$66
Farmers Mutual of Nebraska	$477	$80
Auto-Owners Insurance Co	$507	$86
State Farm	$879	$148
Allstate	$955	$161
Progressive	$960	$162
USAA	$984	$166
Nationwide	$1123	$189
Auto-Owners	$1135	$191
Farmers	$1158	$195
North Star Mutual	$1543	$263
Farm Bureau	$1764	$294

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Average Car Insurance in Pierre 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 Pierre, SD increasing?

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

Car Insurance Premiums by Age in Pierre

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 Pierre,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Pierre at $25 per month. At $3364 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$151	$25
North Star Mutual Insurance	$186	$31
Kemper	$192	$32
Auto-Owners Insurance Co	$204	$34
Farmers Mutual of Nebraska	$751	$126
USAA	$1315	$221
State Farm	$1333	$224
Progressive	$1699	$286
North Star Mutual	$1990	$332
Auto-Owners	$2812	$473
Nationwide	$3289	$554
Farm Bureau	$3353	$570
Allstate	$5000	$833
Farmers	$3364	$561

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 Pierre, American Family is the cheapest car insurance provider. At $134 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 Pierre is Farmers, offering rates of around $1828 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Western National	$174	$29
Iowa Farm Bureau	$233	$39
Kemper	$268	$45
Farmers Mutual of Nebraska	$471	$79
Progressive	$722	$122
USAA	$1653	$281
Nationwide	$2113	$352
North Star Mutual	$2562	$435
Farm Bureau	$3307	$551
Auto-Owners	$3988	$678
State Farm	$4849	$809
Farmers	$1828	$311

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Car Insurance Rates with An Accident in Pierre

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

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

The cheapest car insurance companies after an at-fault accident in Pierre include American Family and Western National, offering $163 and $186, respectively. Farmers is an expensive provider with an average six-month premium of $1566.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$27
Western National	$186	$31
Kemper	$210	$35
Auto-Owners Insurance Co	$216	$36
North Star Mutual Insurance	$320	$53
State Farm	$501	$84
Farmers Mutual of Nebraska	$541	$91
Progressive	$669	$113
USAA	$705	$119
Auto-Owners	$1077	$181
Allstate	$1397	$233
Nationwide	$1933	$325
North Star Mutual	$2667	$444
Farm Bureau	$2707	$461
Farmers	$1566	$267

Pierre Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pierre SD. For example, the car insurance in Pierre after a DUI increases to $850 for a six month policy. While the rate increases by $163 for a six-month policy in the case of a speeding ticket.

Pierre auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$972	$162
One Med/PIP claim	$972	$166
Not-at-fault accident	$996	$166
Two Med/PIP claims	$1030	$175
One comp claim	$1036	$172
Failure to show documents	$1071	$182
Two comp claims	$1071	$178
Failure to wear a seat belt	$1101	$187
Child safety restraint	$1117	$186
Driving without lights	$1117	$190
Driving with expired registration	$1123	$187
Wrong way/wrong lane	$1123	$191
Cell phone violation	$1129	$188
Driving too slowly	$1129	$192
Texting while driving	$1129	$188
Failure to stop at a red light	$1135	$193
Failure to yield	$1135	$189
Following too closely	$1135	$193
Illegal turn	$1135	$189
Speeding 6 - 10 MPH over limit	$1135	$193
Improper passing	$1147	$191
Speeding 11 - 15 MPH over limit	$1152	$196
Speeding 16 - 20 MPH over limit	$1158	$193
Operating a vehicle without permission	$1188	$202
At-fault accident - less than $1000	$1200	$200
In 65 MPH zone	$1200	$204
Speeding in school zone	$1205	$201
Speeding 21 - 25 MPH over limit	$1234	$210
Passing school bus	$1287	$215
Open container	$1333	$226
At-fault accident - $1000-$2000	$1350	$225
At-fault accident - greater than $2000	$1350	$229
Driving with a suspended license	$1630	$271
Reckless driving	$1647	$280
Refusal to submit to a chemical test	$1740	$290
Racing	$1798	$306
DUI	$1822	$304
Leaving scene of an accident/hit and run	$1863	$317

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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 Pierre 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 Pierre.

The cheapest car insurance premiums in Pierre are offered by American Family at $157 for a six-month policy. However, it can be as expensive as $1647 with companies like Farmers.

Pierre car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$26
Western National	$174	$29
Progressive	$617	$104
Farmers Mutual of Nebraska	$774	$130
State Farm	$774	$130
USAA	$1362	$229
Auto-Owners	$1461	$246
Allstate	$1554	$265
Nationwide	$2550	$429
Farm Bureau	$3732	$634
North Star Mutual	$4453	$742
Farmers	$1647	$274

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 Pierre are offered by American Family at $157. However, it can be as expensive as $1723 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pierre after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$26
Kemper	$163	$27
Western National	$174	$29
Auto-Owners Insurance Co	$180	$30
Farmers Mutual of Nebraska	$268	$45
Progressive	$361	$61
State Farm	$361	$61
North Star Mutual	$460	$78
USAA	$570	$95
Auto-Owners	$1042	$177
Farm Bureau	$1141	$190
Nationwide	$1386	$235
Farmers	$1723	$287

Car Insurance Price Trends in Pierre, South Dakota

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

The average cost of full coverage in the Pierre rose by $166 in January compared to $163 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 Pierre remained steady at $29 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 Pierre?

The car insurance in Pierre is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Pierre?

The cheapest car insurance in Pierre is $49 per month for full coverage.

How much is car insurance in Pierre for teenagers?

Car insurance for teenagers costs $151 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 Pierre?

The average cost of car insurance is $954 for a six-month policy. It will cost around $157 per month to insure your car in Pierre.

Is car insurance expensive in Pierre?

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

What is the best car insurance in Pierre, SD?

The best car insurance company in Pierre SD is American Family, offering $297 for a six-month policy.