Cheapest Car Insurance Quotes in Redfield

Finding the cheapest car insurance quotes in Redfield shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Redfield 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 Redfield

The car insurance rate in Redfield is $811 for a six-month policy, which is $34 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Redfield 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 Redfield

$811

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Redfield

1st place: Kemper

At $376 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 $433 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 $496 for six months, making it the third cheapest auto insurance company in Redfield.

Redfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Redfield, SD is Kemper, offering policies at just $376 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $433.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Redfield drivers find the best deals.

Cheap Car Insurance Companies in Redfield, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$62
Farmers Mutual of Nebraska	$433	$73
Auto-Owners Insurance Co	$496	$83
American Family	$661	$111
State Farm	$804	$135
Allstate	$935	$157
USAA	$941	$158
Auto-Owners	$958	$163
Farmers	$998	$168
Progressive	$1009	$170
Nationwide	$1049	$177
North Star Mutual	$1078	$183

Key Takeaways

Way's key takeaways about car insurance in Redfield

The auto insurance costs in Redfield fall around $376 for six months.
The cheapest auto insurance company in Redfield is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Redfield at $30 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Redfield

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 Redfield are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Redfield. Their Average 6 Month Premium is $103. North Star Mutual Insurance is the most expensive at $165 for the same period.

Cheapest Liability Coverage in Redfield, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$103	$17
Kemper	$132	$22
USAA	$132	$22
American Family	$137	$23
Auto-Owners	$148	$25
North Star Mutual	$148	$25
Auto-Owners Insurance Co	$154	$26
Progressive	$154	$26
State Farm	$154	$26
Farmers	$256	$43
Nationwide	$314	$53
Allstate	$336	$58
North Star Mutual Insurance	$165	$28

Cheapest Full Coverage Car Insurance in Redfield

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 Redfield is Kemper at $62 per month and $376 for six months.

Cheapest Full Coverage Car Insurance Quotes in Redfield, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$62
Farmers Mutual of Nebraska	$433	$73
Auto-Owners Insurance Co	$496	$83
American Family	$661	$111
State Farm	$804	$135
Allstate	$935	$157
USAA	$941	$158
Auto-Owners	$958	$163
Farmers	$998	$168
Progressive	$1009	$170
Nationwide	$1049	$177
North Star Mutual	$1078	$183

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Redfield Instantly!

Average Car Insurance in Redfield 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 Redfield, SD increasing?

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

Car Insurance Premiums by Age in Redfield

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Redfield,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Redfield at $32 per month. At $177 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	$188	$32
Auto-Owners Insurance Co	$200	$34
Farmers Mutual of Nebraska	$593	$100
State Farm	$1140	$192
USAA	$1209	$204
American Family	$1557	$262
Farmers	$1716	$289
Progressive	$1790	$301
North Star Mutual	$2281	$388
Auto-Owners	$2378	$396
Nationwide	$3119	$525
Allstate	$4898	$816
North Star Mutual Insurance	$177	$30

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 Redfield, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $97 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 Redfield is State Farm, offering rates of around $3165 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$97	$16
Western National	$171	$29
Iowa Farm Bureau	$228	$38
Kemper	$262	$44
American Family	$912	$154
Progressive	$970	$163
USAA	$1449	$241
North Star Mutual	$1785	$303
Farmers	$1790	$299
Nationwide	$1882	$320
State Farm	$3165	$527

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Redfield.

Car Insurance Rates with An Accident in Redfield

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

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

The cheapest car insurance companies after an at-fault accident in Redfield include Western National and Kemper, offering $182 and $205, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $297.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
Kemper	$205	$35
Auto-Owners Insurance Co	$211	$36
Farmers Mutual of Nebraska	$428	$72
State Farm	$439	$74
USAA	$656	$110
Progressive	$690	$116
Auto-Owners	$708	$119
Farmers	$861	$145
American Family	$935	$157
Allstate	$1369	$228
Nationwide	$1796	$302
North Star Mutual	$1854	$309
North Star Mutual Insurance	$297	$51

Redfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Redfield SD. For example, the car insurance in Redfield after a DUI increases to $833 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Redfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$952	$158
One Med/PIP claim	$952	$162
Not-at-fault accident	$975	$162
Two Med/PIP claims	$1009	$172
One comp claim	$1015	$169
Failure to show documents	$1049	$179
Two comp claims	$1049	$175
Failure to wear a seat belt	$1078	$183
Child safety restraint	$1094	$182
Driving without lights	$1094	$186
Driving with expired registration	$1100	$183
Wrong way/wrong lane	$1100	$187
Cell phone violation	$1106	$184
Driving too slowly	$1106	$188
Texting while driving	$1106	$184
Failure to stop at a red light	$1112	$189
Failure to yield	$1112	$185
Following too closely	$1112	$189
Illegal turn	$1112	$185
Speeding 6 - 10 MPH over limit	$1112	$189
Improper passing	$1123	$187
Speeding 11 - 15 MPH over limit	$1129	$192
Speeding 16 - 20 MPH over limit	$1135	$189
Operating a vehicle without permission	$1164	$198
At-fault accident - less than $1000	$1175	$196
In 65 MPH zone	$1175	$200
Speeding in school zone	$1181	$197
Speeding 21 - 25 MPH over limit	$1209	$205
Passing school bus	$1260	$210
Open container	$1306	$222
At-fault accident - $1000-$2000	$1323	$221
At-fault accident - greater than $2000	$1323	$225
Driving with a suspended license	$1596	$266
Reckless driving	$1614	$275
Refusal to submit to a chemical test	$1705	$284
Racing	$1762	$300
DUI	$1785	$298
Leaving scene of an accident/hit and run	$1825	$310

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Redfield 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 Redfield.

The cheapest car insurance premiums in Redfield are offered by Western National at $171 for a six-month policy. However, it can be as expensive as $3096 with companies like North Star Mutual.

Redfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
Farmers Mutual of Nebraska	$611	$103
State Farm	$633	$107
Progressive	$650	$109
Farmers	$941	$158
American Family	$1026	$173
USAA	$1266	$213
Allstate	$1523	$253
Auto-Owners	$1546	$263
Nationwide	$2361	$397
North Star Mutual	$3096	$526

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 Redfield are offered by Farmers Mutual of Nebraska at $103. However, it can be as expensive as $1688 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Redfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$103	$17
Kemper	$159	$27
Western National	$171	$29
Auto-Owners Insurance Co	$177	$30
State Farm	$297	$50
USAA	$444	$76
Progressive	$491	$83
North Star Mutual	$541	$92
American Family	$627	$106
Nationwide	$1437	$245
Farmers	$1688	$281

Car Insurance Price Trends in Redfield, South Dakota

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

The average cost of full coverage in the Redfield remained steady at $158 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Redfield remained steady at $29 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Redfield?

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

What is the cheapest car insurance in Redfield?

The cheapest car insurance in Redfield is $62 per month for full coverage.

How much is car insurance in Redfield for teenagers?

Car insurance for teenagers costs $188 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 Redfield?

The average cost of car insurance is $845 for a six-month policy. It will cost around $136 per month to insure your car in Redfield.

Is car insurance expensive in Redfield?

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

What is the best car insurance in Redfield, SD?

The best car insurance company in Redfield SD is Kemper, offering $376 for a six-month policy.