Cheapest Car Insurance Quotes in Pine Ridge

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Pine Ridge 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 Pine Ridge

The car insurance rate in Pine Ridge is $1231 for a six-month policy, which is $277 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $391, making it a popular choice for budget-conscious drivers. Rates in Pine Ridge 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 Pine Ridge

$1231

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Pine Ridge

1st place: American Family

At $391 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 $506 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 $628 for six months, making it the third cheapest auto insurance company in Pine Ridge.

Pine Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Ridge, SD is American Family, offering policies at just $391 for a six-month term. This is followed by Kemper, which has an average six-month premium of $506.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pine Ridge drivers find the best deals.

Cheap Car Insurance Companies in Pine Ridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$391	$65
Kemper	$506	$86
Farmers Mutual of Nebraska	$628	$106
Auto-Owners Insurance Co	$667	$114
State Farm	$1157	$195
Allstate	$1256	$212
Progressive	$1264	$213
USAA	$1295	$218
Nationwide	$1478	$249
Auto-Owners	$1494	$252
Farmers	$1525	$257
North Star Mutual	$2030	$346
Farm Bureau	$2322	$387

Key Takeaways

Way's key takeaways about car insurance in Pine Ridge

The auto insurance costs in Pine Ridge fall around $391 for six months.
The cheapest auto insurance company in Pine Ridge is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Pine Ridge at $738 per month.

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Cheapest Minimum Liability Car Insurance in Pine Ridge

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 Pine Ridge are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Pine Ridge. Their Average 6 Month Premium is $130. Farmers is the most expensive at $482 for the same period.

Cheapest Liability Coverage in Pine Ridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$130	$22
American Family	$154	$26
Kemper	$177	$30
USAA	$184	$31
Progressive	$192	$32
Auto-Owners Insurance Co	$206	$35
State Farm	$214	$36
North Star Mutual	$230	$39
Auto-Owners	$237	$40
North Star Mutual Insurance	$276	$46
Farm Bureau	$321	$54
Nationwide	$414	$70
Allstate	$452	$77
Farmers	$482	$83

Cheapest Full Coverage Car Insurance in Pine Ridge

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 Pine Ridge is American Family at $65 per month and $391 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Ridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$391	$65
Kemper	$506	$86
Farmers Mutual of Nebraska	$628	$106
Auto-Owners Insurance Co	$667	$114
State Farm	$1157	$195
Allstate	$1256	$212
Progressive	$1264	$213
USAA	$1295	$218
Nationwide	$1478	$249
Auto-Owners	$1494	$252
Farmers	$1525	$257
North Star Mutual	$2030	$346
Farm Bureau	$2322	$387

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Average Car Insurance in Pine Ridge 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 Pine Ridge, SD increasing?

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

Car Insurance Premiums by Age in Pine Ridge

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 Pine Ridge,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Pine Ridge at $34 per month. At $4429 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$199	$34
North Star Mutual Insurance	$245	$41
Kemper	$253	$43
Auto-Owners Insurance Co	$268	$45
Farmers Mutual of Nebraska	$988	$166
USAA	$1731	$292
State Farm	$1754	$295
Progressive	$2237	$377
North Star Mutual	$2620	$437
Auto-Owners	$3701	$623
Nationwide	$4329	$729
Farm Bureau	$4413	$751
Allstate	$6582	$1097
Farmers	$4429	$738

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 Pine Ridge, American Family is the cheapest car insurance provider. At $177 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 Pine Ridge is Farmers, offering rates of around $2406 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$177	$30
Western National	$230	$39
Iowa Farm Bureau	$307	$52
Kemper	$352	$59
Farmers Mutual of Nebraska	$620	$104
Progressive	$951	$160
USAA	$2176	$370
Nationwide	$2781	$463
North Star Mutual	$3372	$573
Farm Bureau	$4352	$725
Auto-Owners	$5249	$893
State Farm	$6383	$1064
Farmers	$2406	$409

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Car Insurance Rates with An Accident in Pine Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Ridge

The cheapest car insurance companies after an at-fault accident in Pine Ridge include American Family and Western National, offering $214 and $245, respectively. Farmers is an expensive provider with an average six-month premium of $2061.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$214	$36
Western National	$245	$41
Kemper	$276	$46
Auto-Owners Insurance Co	$284	$48
North Star Mutual Insurance	$422	$70
State Farm	$659	$111
Farmers Mutual of Nebraska	$712	$120
Progressive	$881	$148
USAA	$928	$156
Auto-Owners	$1418	$239
Allstate	$1840	$307
Nationwide	$2544	$428
North Star Mutual	$3510	$584
Farm Bureau	$3563	$606
Farmers	$2061	$351

Pine Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Ridge SD. For example, the car insurance in Pine Ridge after a DUI increases to $1118 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Pine Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1280	$213
One Med/PIP claim	$1280	$218
Not-at-fault accident	$1311	$218
Two Med/PIP claims	$1356	$231
One comp claim	$1364	$227
Failure to show documents	$1410	$240
Two comp claims	$1410	$235
Failure to wear a seat belt	$1449	$246
Child safety restraint	$1471	$245
Driving without lights	$1471	$250
Driving with expired registration	$1478	$246
Wrong way/wrong lane	$1478	$252
Cell phone violation	$1486	$248
Driving too slowly	$1486	$253
Texting while driving	$1486	$248
Failure to stop at a red light	$1494	$254
Failure to yield	$1494	$249
Following too closely	$1494	$254
Illegal turn	$1494	$249
Speeding 6 - 10 MPH over limit	$1494	$254
Improper passing	$1509	$252
Speeding 11 - 15 MPH over limit	$1517	$258
Speeding 16 - 20 MPH over limit	$1525	$254
Operating a vehicle without permission	$1563	$266
At-fault accident - less than $1000	$1579	$263
In 65 MPH zone	$1579	$268
Speeding in school zone	$1587	$264
Speeding 21 - 25 MPH over limit	$1624	$276
Passing school bus	$1694	$283
Open container	$1754	$298
At-fault accident - $1000-$2000	$1778	$297
At-fault accident - greater than $2000	$1778	$302
Driving with a suspended license	$2145	$357
Reckless driving	$2168	$369
Refusal to submit to a chemical test	$2291	$382
Racing	$2367	$402
DUI	$2398	$400
Leaving scene of an accident/hit and run	$2452	$417

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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 Pine Ridge 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 Pine Ridge.

The cheapest car insurance premiums in Pine Ridge are offered by American Family at $206 for a six-month policy. However, it can be as expensive as $2168 with companies like Farmers.

Pine Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Western National	$230	$39
Progressive	$813	$137
Farmers Mutual of Nebraska	$1019	$172
State Farm	$1019	$172
USAA	$1793	$302
Auto-Owners	$1923	$324
Allstate	$2046	$348
Nationwide	$3357	$565
Farm Bureau	$4912	$835
North Star Mutual	$5862	$977
Farmers	$2168	$361

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 Pine Ridge are offered by American Family at $206. However, it can be as expensive as $2268 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pine Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$206	$35
Kemper	$214	$36
Western National	$230	$39
Auto-Owners Insurance Co	$237	$40
Farmers Mutual of Nebraska	$352	$59
Progressive	$475	$80
State Farm	$475	$80
North Star Mutual	$605	$103
USAA	$751	$125
Auto-Owners	$1371	$233
Farm Bureau	$1502	$250
Nationwide	$1824	$310
Farmers	$2268	$378

Car Insurance Price Trends in Pine Ridge, South Dakota

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

The average cost of full coverage in the Pine Ridge rose by $218 in January compared to $214 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 Pine Ridge remained steady at $39 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 Pine Ridge?

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

What is the cheapest car insurance in Pine Ridge?

The cheapest car insurance in Pine Ridge is $65 per month for full coverage.

How much is car insurance in Pine Ridge for teenagers?

Car insurance for teenagers costs $199 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 Pine Ridge?

The average cost of car insurance is $954 for a six-month policy. It will cost around $206 per month to insure your car in Pine Ridge.

Is car insurance expensive in Pine Ridge?

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

What is the best car insurance in Pine Ridge, SD?

The best car insurance company in Pine Ridge SD is American Family, offering $391 for a six-month policy.