Cheapest Car Insurance Quotes in Spearfish

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Spearfish Car Insurance

^$ 19

/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 Spearfish

The car insurance rate in Spearfish is $870 for a six-month policy, which is $25 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Spearfish 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 Spearfish

$870

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Spearfish

1st place: Kemper

At $404 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 $465 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 $533 for six months, making it the third cheapest auto insurance company in Spearfish.

Spearfish Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spearfish, SD is Kemper, offering policies at just $404 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $465.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1157 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spearfish drivers find the best deals.

Cheap Car Insurance Companies in Spearfish, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$404	$67
Farmers Mutual of Nebraska	$465	$78
Auto-Owners Insurance Co	$533	$89
American Family	$710	$119
State Farm	$863	$145
Allstate	$1003	$169
USAA	$1009	$170
Auto-Owners	$1028	$175
Farmers	$1071	$180
Progressive	$1083	$182
Nationwide	$1126	$190
North Star Mutual	$1157	$197

Key Takeaways

Way's key takeaways about car insurance in Spearfish

The auto insurance costs in Spearfish fall around $404 for six months.
The cheapest auto insurance company in Spearfish is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Spearfish at $32 per month.

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Cheapest Minimum Liability Car Insurance in Spearfish

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 Spearfish are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Spearfish. Their Average 6 Month Premium is $110. North Star Mutual Insurance is the most expensive at $177 for the same period.

Cheapest Liability Coverage in Spearfish, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$110	$19
Kemper	$141	$24
USAA	$141	$24
American Family	$147	$25
Auto-Owners	$159	$27
North Star Mutual	$159	$27
Auto-Owners Insurance Co	$165	$28
Progressive	$165	$28
State Farm	$165	$28
Farmers	$275	$46
Nationwide	$337	$57
Allstate	$361	$62
North Star Mutual Insurance	$177	$30

Cheapest Full Coverage Car Insurance in Spearfish

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 Spearfish is Kemper at $67 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spearfish, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$404	$67
Farmers Mutual of Nebraska	$465	$78
Auto-Owners Insurance Co	$533	$89
American Family	$710	$119
State Farm	$863	$145
Allstate	$1003	$169
USAA	$1009	$170
Auto-Owners	$1028	$175
Farmers	$1071	$180
Progressive	$1083	$182
Nationwide	$1126	$190
North Star Mutual	$1157	$197

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Average Car Insurance in Spearfish 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 Spearfish, SD increasing?

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

Car Insurance Premiums by Age in Spearfish

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 Spearfish,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Spearfish at $34 per month. At $190 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	$202	$34
Auto-Owners Insurance Co	$214	$36
Farmers Mutual of Nebraska	$637	$107
State Farm	$1224	$206
USAA	$1297	$218
American Family	$1671	$281
Farmers	$1842	$310
Progressive	$1921	$323
North Star Mutual	$2447	$416
Auto-Owners	$2551	$425
Nationwide	$3346	$563
Allstate	$5255	$876
North Star Mutual Insurance	$190	$32

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 Spearfish, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $104 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 Spearfish is State Farm, offering rates of around $3396 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$104	$18
Western National	$183	$31
Iowa Farm Bureau	$245	$41
Kemper	$281	$47
American Family	$979	$165
Progressive	$1040	$175
USAA	$1554	$259
North Star Mutual	$1915	$325
Farmers	$1921	$320
Nationwide	$2019	$343
State Farm	$3396	$565

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Car Insurance Rates with An Accident in Spearfish

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

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

The cheapest car insurance companies after an at-fault accident in Spearfish include Western National and Kemper, offering $196 and $220, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $318.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$196	$33
Kemper	$220	$37
Auto-Owners Insurance Co	$227	$38
Farmers Mutual of Nebraska	$459	$77
State Farm	$471	$79
USAA	$703	$118
Progressive	$741	$125
Auto-Owners	$759	$128
Farmers	$924	$156
American Family	$1003	$169
Allstate	$1469	$245
Nationwide	$1927	$324
North Star Mutual	$1989	$332
North Star Mutual Insurance	$318	$55

Spearfish Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spearfish SD. For example, the car insurance in Spearfish after a DUI increases to $893 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Spearfish auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1022	$170
One Med/PIP claim	$1022	$174
Not-at-fault accident	$1046	$174
Two Med/PIP claims	$1083	$184
One comp claim	$1089	$181
Failure to show documents	$1126	$192
Two comp claims	$1126	$187
Failure to wear a seat belt	$1157	$197
Child safety restraint	$1174	$196
Driving without lights	$1174	$200
Driving with expired registration	$1180	$197
Wrong way/wrong lane	$1180	$201
Cell phone violation	$1187	$198
Driving too slowly	$1187	$202
Texting while driving	$1187	$198
Failure to stop at a red light	$1193	$203
Failure to yield	$1193	$199
Following too closely	$1193	$203
Illegal turn	$1193	$199
Speeding 6 - 10 MPH over limit	$1193	$203
Improper passing	$1205	$201
Speeding 11 - 15 MPH over limit	$1211	$206
Speeding 16 - 20 MPH over limit	$1217	$203
Operating a vehicle without permission	$1248	$212
At-fault accident - less than $1000	$1261	$210
In 65 MPH zone	$1261	$214
Speeding in school zone	$1267	$211
Speeding 21 - 25 MPH over limit	$1297	$220
Passing school bus	$1352	$226
Open container	$1401	$238
At-fault accident - $1000-$2000	$1419	$237
At-fault accident - greater than $2000	$1419	$241
Driving with a suspended license	$1713	$285
Reckless driving	$1731	$295
Refusal to submit to a chemical test	$1829	$305
Racing	$1890	$321
DUI	$1915	$319
Leaving scene of an accident/hit and run	$1958	$333

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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 Spearfish 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 Spearfish.

The cheapest car insurance premiums in Spearfish are offered by Western National at $183 for a six-month policy. However, it can be as expensive as $3322 with companies like North Star Mutual.

Spearfish car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$183	$31
Farmers Mutual of Nebraska	$655	$110
State Farm	$679	$114
Progressive	$697	$117
Farmers	$1009	$170
American Family	$1101	$185
USAA	$1359	$229
Allstate	$1634	$272
Auto-Owners	$1658	$282
Nationwide	$2533	$426
North Star Mutual	$3322	$564

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 Spearfish are offered by Farmers Mutual of Nebraska at $110. However, it can be as expensive as $1811 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Spearfish after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$110	$19
Kemper	$171	$29
Western National	$183	$31
Auto-Owners Insurance Co	$190	$32
State Farm	$318	$54
USAA	$477	$81
Progressive	$526	$89
North Star Mutual	$581	$99
American Family	$673	$113
Nationwide	$1542	$263
Farmers	$1811	$302

Car Insurance Price Trends in Spearfish, South Dakota

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

The average cost of full coverage in the Spearfish remained steady at $170 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Spearfish remained steady at $31 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 Spearfish?

The car insurance in Spearfish is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Spearfish?

The cheapest car insurance in Spearfish is $67 per month for full coverage.

How much is car insurance in Spearfish for teenagers?

Car insurance for teenagers costs $202 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 Spearfish?

The average cost of car insurance is $845 for a six-month policy. It will cost around $146 per month to insure your car in Spearfish.

Is car insurance expensive in Spearfish?

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

What is the best car insurance in Spearfish, SD?

The best car insurance company in Spearfish SD is Kemper, offering $404 for a six-month policy.