Cheapest Car Insurance Quotes in Prairie City

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Prairie City Car Insurance

^$ 21

/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 Prairie City

The car insurance rate in Prairie City is $1193 for a six-month policy, which is $239 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Prairie City 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 Prairie City

$1193

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Prairie City

1st place: American Family

At $379 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 $490 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 $609 for six months, making it the third cheapest auto insurance company in Prairie City.

Prairie City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prairie City, SD is American Family, offering policies at just $379 for a six-month term. This is followed by Kemper, which has an average six-month premium of $490.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prairie City drivers find the best deals.

Cheap Car Insurance Companies in Prairie City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$379	$63
Kemper	$490	$84
Farmers Mutual of Nebraska	$609	$103
Auto-Owners Insurance Co	$646	$110
State Farm	$1121	$189
Allstate	$1218	$205
Progressive	$1225	$206
USAA	$1255	$211
Nationwide	$1433	$241
Auto-Owners	$1448	$244
Farmers	$1478	$249
North Star Mutual	$1968	$335
Farm Bureau	$2250	$375

Key Takeaways

Way's key takeaways about car insurance in Prairie City

The auto insurance costs in Prairie City fall around $379 for six months.
The cheapest auto insurance company in Prairie City is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Prairie City at $715 per month.

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Cheapest Minimum Liability Car Insurance in Prairie City

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 Prairie City are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Prairie City. Their Average 6 Month Premium is $126. Farmers is the most expensive at $468 for the same period.

Cheapest Liability Coverage in Prairie City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$126	$21
American Family	$149	$25
Kemper	$171	$29
USAA	$179	$30
Progressive	$186	$31
Auto-Owners Insurance Co	$200	$34
State Farm	$208	$35
North Star Mutual	$223	$38
Auto-Owners	$230	$39
North Star Mutual Insurance	$268	$45
Farm Bureau	$311	$53
Nationwide	$401	$68
Allstate	$438	$75
Farmers	$468	$80

Cheapest Full Coverage Car Insurance in Prairie City

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 Prairie City is American Family at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prairie City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$379	$63
Kemper	$490	$84
Farmers Mutual of Nebraska	$609	$103
Auto-Owners Insurance Co	$646	$110
State Farm	$1121	$189
Allstate	$1218	$205
Progressive	$1225	$206
USAA	$1255	$211
Nationwide	$1433	$241
Auto-Owners	$1448	$244
Farmers	$1478	$249
North Star Mutual	$1968	$335
Farm Bureau	$2250	$375

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Average Car Insurance in Prairie City 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 Prairie City, SD increasing?

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

Car Insurance Premiums by Age in Prairie City

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 Prairie City,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Prairie City at $33 per month. At $4291 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$193	$33
North Star Mutual Insurance	$238	$40
Kemper	$245	$41
Auto-Owners Insurance Co	$260	$44
Farmers Mutual of Nebraska	$958	$161
USAA	$1678	$283
State Farm	$1700	$286
Progressive	$2168	$365
North Star Mutual	$2539	$424
Auto-Owners	$3586	$604
Nationwide	$4195	$706
Farm Bureau	$4276	$728
Allstate	$6378	$1063
Farmers	$4291	$715

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 Prairie City, American Family is the cheapest car insurance provider. At $171 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 Prairie City is Farmers, offering rates of around $2331 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
Western National	$223	$38
Iowa Farm Bureau	$298	$50
Kemper	$341	$58
Farmers Mutual of Nebraska	$601	$101
Progressive	$921	$155
USAA	$2109	$359
Nationwide	$2695	$449
North Star Mutual	$3268	$555
Farm Bureau	$4218	$703
Auto-Owners	$5086	$865
State Farm	$6185	$1031
Farmers	$2331	$396

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Car Insurance Rates with An Accident in Prairie City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie City

The cheapest car insurance companies after an at-fault accident in Prairie City include American Family and Western National, offering $208 and $238, respectively. Farmers is an expensive provider with an average six-month premium of $1998.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$208	$35
Western National	$238	$40
Kemper	$268	$45
Auto-Owners Insurance Co	$275	$46
North Star Mutual Insurance	$409	$68
State Farm	$639	$108
Farmers Mutual of Nebraska	$690	$116
Progressive	$854	$144
USAA	$899	$151
Auto-Owners	$1374	$231
Allstate	$1783	$298
Nationwide	$2465	$415
North Star Mutual	$3401	$566
Farm Bureau	$3453	$588
Farmers	$1998	$340

Prairie City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prairie City SD. For example, the car insurance in Prairie City after a DUI increases to $1084 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Prairie City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1240	$206
One Med/PIP claim	$1240	$211
Not-at-fault accident	$1270	$211
Two Med/PIP claims	$1314	$224
One comp claim	$1321	$220
Failure to show documents	$1366	$233
Two comp claims	$1366	$228
Failure to wear a seat belt	$1404	$239
Child safety restraint	$1425	$238
Driving without lights	$1425	$243
Driving with expired registration	$1433	$239
Wrong way/wrong lane	$1433	$244
Cell phone violation	$1440	$240
Driving too slowly	$1440	$245
Texting while driving	$1440	$240
Failure to stop at a red light	$1448	$246
Failure to yield	$1448	$241
Following too closely	$1448	$246
Illegal turn	$1448	$241
Speeding 6 - 10 MPH over limit	$1448	$246
Improper passing	$1463	$244
Speeding 11 - 15 MPH over limit	$1470	$250
Speeding 16 - 20 MPH over limit	$1478	$246
Operating a vehicle without permission	$1515	$258
At-fault accident - less than $1000	$1530	$255
In 65 MPH zone	$1530	$260
Speeding in school zone	$1538	$256
Speeding 21 - 25 MPH over limit	$1574	$268
Passing school bus	$1641	$274
Open container	$1700	$289
At-fault accident - $1000-$2000	$1723	$288
At-fault accident - greater than $2000	$1723	$293
Driving with a suspended license	$2079	$346
Reckless driving	$2101	$358
Refusal to submit to a chemical test	$2220	$370
Racing	$2294	$390
DUI	$2324	$388
Leaving scene of an accident/hit and run	$2376	$404

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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 Prairie City 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 Prairie City.

The cheapest car insurance premiums in Prairie City are offered by American Family at $200 for a six-month policy. However, it can be as expensive as $2101 with companies like Farmers.

Prairie City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$200	$34
Western National	$223	$38
Progressive	$788	$133
Farmers Mutual of Nebraska	$988	$166
State Farm	$988	$166
USAA	$1738	$293
Auto-Owners	$1864	$314
Allstate	$1983	$338
Nationwide	$3253	$548
Farm Bureau	$4760	$809
North Star Mutual	$5680	$946
Farmers	$2101	$350

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 Prairie City are offered by American Family at $200. However, it can be as expensive as $2198 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Prairie City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$200	$34
Kemper	$208	$35
Western National	$223	$38
Auto-Owners Insurance Co	$230	$39
Farmers Mutual of Nebraska	$341	$58
Progressive	$460	$78
State Farm	$460	$78
North Star Mutual	$586	$100
USAA	$728	$121
Auto-Owners	$1329	$226
Farm Bureau	$1455	$243
Nationwide	$1768	$300
Farmers	$2198	$366

Car Insurance Price Trends in Prairie City, South Dakota

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

The average cost of full coverage in the Prairie City rose by $211 in January compared to $208 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 Prairie City 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 Prairie City?

The car insurance in Prairie City is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Prairie City?

The cheapest car insurance in Prairie City is $63 per month for full coverage.

How much is car insurance in Prairie City for teenagers?

Car insurance for teenagers costs $193 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 Prairie City?

The average cost of car insurance is $954 for a six-month policy. It will cost around $200 per month to insure your car in Prairie City.

Is car insurance expensive in Prairie City?

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

What is the best car insurance in Prairie City, SD?

The best car insurance company in Prairie City SD is American Family, offering $379 for a six-month policy.