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 $1048 for a six-month policy, which is $203 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, 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

$1048

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Pine Ridge

1st place: Kemper

At $486 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $559 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $641 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 Kemper, offering policies at just $486 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $559.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1393 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
Kemper	$486	$81
Farmers Mutual of Nebraska	$559	$94
Auto-Owners Insurance Co	$641	$107
American Family	$854	$144
State Farm	$1039	$175
Allstate	$1208	$203
USAA	$1215	$205
Auto-Owners	$1238	$211
Farmers	$1290	$217
Progressive	$1303	$219
Nationwide	$1355	$228
North Star Mutual	$1393	$237

Key Takeaways

Way's key takeaways about car insurance in Pine Ridge

The auto insurance costs in Pine Ridge fall around $486 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 $38 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 $133. North Star Mutual Insurance is the most expensive at $213 for the same period.

Cheapest Liability Coverage in Pine Ridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$133	$22
Kemper	$170	$29
USAA	$170	$29
American Family	$177	$30
Auto-Owners	$191	$32
North Star Mutual	$191	$32
Auto-Owners Insurance Co	$198	$33
Progressive	$198	$33
State Farm	$198	$33
Farmers	$331	$56
Nationwide	$405	$68
Allstate	$434	$74
North Star Mutual Insurance	$213	$36

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 Kemper at $81 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Ridge, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$81
Farmers Mutual of Nebraska	$559	$94
Auto-Owners Insurance Co	$641	$107
American Family	$854	$144
State Farm	$1039	$175
Allstate	$1208	$203
USAA	$1215	$205
Auto-Owners	$1238	$211
Farmers	$1290	$217
Progressive	$1303	$219
Nationwide	$1355	$228
North Star Mutual	$1393	$237

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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, Kemper provides the cheapest car insurance in the Pine Ridge at $41 per month. At $228 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$243	$41
Auto-Owners Insurance Co	$258	$43
Farmers Mutual of Nebraska	$766	$129
State Farm	$1473	$248
USAA	$1561	$263
American Family	$2011	$339
Farmers	$2217	$373
Progressive	$2313	$389
North Star Mutual	$2946	$501
Auto-Owners	$3071	$512
Nationwide	$4029	$678
Allstate	$6326	$1054
North Star Mutual Insurance	$228	$38

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $125 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 State Farm, offering rates of around $4088 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$125	$21
Western National	$221	$37
Iowa Farm Bureau	$295	$50
Kemper	$339	$57
American Family	$1178	$198
Progressive	$1252	$211
USAA	$1871	$311
North Star Mutual	$2305	$392
Farmers	$2313	$386
Nationwide	$2430	$413
State Farm	$4088	$681

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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 Western National and Kemper, offering $236 and $265, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $383.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$236	$40
Kemper	$265	$45
Auto-Owners Insurance Co	$273	$46
Farmers Mutual of Nebraska	$553	$93
State Farm	$567	$95
USAA	$847	$143
Progressive	$892	$150
Auto-Owners	$914	$154
Farmers	$1112	$187
American Family	$1208	$203
Allstate	$1768	$295
Nationwide	$2320	$391
North Star Mutual	$2394	$399
North Star Mutual Insurance	$383	$66

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 $1075 for a six month policy. While the rate increases by $206 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	$1230	$205
One Med/PIP claim	$1230	$210
Not-at-fault accident	$1260	$210
Two Med/PIP claims	$1303	$222
One comp claim	$1311	$218
Failure to show documents	$1355	$231
Two comp claims	$1355	$226
Failure to wear a seat belt	$1393	$237
Child safety restraint	$1414	$236
Driving without lights	$1414	$241
Driving with expired registration	$1421	$237
Wrong way/wrong lane	$1421	$242
Cell phone violation	$1428	$238
Driving too slowly	$1428	$243
Texting while driving	$1428	$238
Failure to stop at a red light	$1436	$244
Failure to yield	$1436	$239
Following too closely	$1436	$244
Illegal turn	$1436	$239
Speeding 6 - 10 MPH over limit	$1436	$244
Improper passing	$1451	$242
Speeding 11 - 15 MPH over limit	$1458	$248
Speeding 16 - 20 MPH over limit	$1466	$244
Operating a vehicle without permission	$1503	$255
At-fault accident - less than $1000	$1518	$253
In 65 MPH zone	$1518	$258
Speeding in school zone	$1525	$254
Speeding 21 - 25 MPH over limit	$1561	$265
Passing school bus	$1628	$272
Open container	$1686	$286
At-fault accident - $1000-$2000	$1709	$285
At-fault accident - greater than $2000	$1709	$290
Driving with a suspended license	$2062	$343
Reckless driving	$2084	$355
Refusal to submit to a chemical test	$2202	$367
Racing	$2275	$387
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2357	$401

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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 Western National at $221 for a six-month policy. However, it can be as expensive as $3999 with companies like North Star Mutual.

Pine Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$221	$37
Farmers Mutual of Nebraska	$789	$133
State Farm	$817	$138
Progressive	$839	$141
Farmers	$1215	$205
American Family	$1326	$223
USAA	$1636	$275
Allstate	$1967	$327
Auto-Owners	$1996	$340
Nationwide	$3049	$513
North Star Mutual	$3999	$680

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 Farmers Mutual of Nebraska at $133. However, it can be as expensive as $2180 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
Farmers Mutual of Nebraska	$133	$22
Kemper	$206	$35
Western National	$221	$37
Auto-Owners Insurance Co	$228	$38
State Farm	$383	$64
USAA	$574	$98
Progressive	$634	$107
North Star Mutual	$699	$119
American Family	$810	$136
Nationwide	$1856	$316
Farmers	$2180	$363

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 remained steady at $205 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Pine Ridge remained steady at $37 in both December and November, 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 $81 per month for full coverage.

How much is car insurance in Pine Ridge for teenagers?

Car insurance for teenagers costs $243 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 $845 for a six-month policy. It will cost around $176 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 Kemper, offering $486 for a six-month policy.