Cheapest Car Insurance Quotes in St. Francis

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St. Francis 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 St. Francis

The car insurance rate in St. Francis is $1221 for a six-month policy, which is $267 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $388, making it a popular choice for budget-conscious drivers. Rates in St. Francis 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 St. Francis

$1221

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in St. Francis

1st place: American Family

At $388 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 $502 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 $623 for six months, making it the third cheapest auto insurance company in St. Francis.

St. Francis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Francis, SD is American Family, offering policies at just $388 for a six-month term. This is followed by Kemper, which has an average six-month premium of $502.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2304 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Francis drivers find the best deals.

Cheap Car Insurance Companies in St. Francis, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$64
Kemper	$502	$86
Farmers Mutual of Nebraska	$623	$105
Auto-Owners Insurance Co	$662	$113
State Farm	$1148	$193
Allstate	$1247	$210
Progressive	$1254	$211
USAA	$1285	$216
Nationwide	$1467	$247
Auto-Owners	$1482	$250
Farmers	$1513	$255
North Star Mutual	$2015	$343
Farm Bureau	$2304	$384

Key Takeaways

Way's key takeaways about car insurance in St. Francis

The auto insurance costs in St. Francis fall around $388 for six months.
The cheapest auto insurance company in St. Francis is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in St. Francis at $732 per month.

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Cheapest Minimum Liability Car Insurance in St. Francis

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 St. Francis are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in St. Francis. Their Average 6 Month Premium is $129. Farmers is the most expensive at $479 for the same period.

Cheapest Liability Coverage in St. Francis, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$129	$22
American Family	$152	$26
Kemper	$175	$29
USAA	$183	$31
Progressive	$191	$32
Auto-Owners Insurance Co	$205	$35
State Farm	$212	$36
North Star Mutual	$228	$38
Auto-Owners	$236	$40
North Star Mutual Insurance	$274	$46
Farm Bureau	$319	$54
Nationwide	$411	$69
Allstate	$448	$77
Farmers	$479	$82

Cheapest Full Coverage Car Insurance in St. Francis

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 St. Francis is American Family at $64 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Francis, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$64
Kemper	$502	$86
Farmers Mutual of Nebraska	$623	$105
Auto-Owners Insurance Co	$662	$113
State Farm	$1148	$193
Allstate	$1247	$210
Progressive	$1254	$211
USAA	$1285	$216
Nationwide	$1467	$247
Auto-Owners	$1482	$250
Farmers	$1513	$255
North Star Mutual	$2015	$343
Farm Bureau	$2304	$384

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Average Car Insurance in St. Francis 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 St. Francis, SD increasing?

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

Car Insurance Premiums by Age in St. Francis

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 St. Francis,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the St. Francis at $33 per month. At $4394 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$197	$33
North Star Mutual Insurance	$243	$41
Kemper	$251	$42
Auto-Owners Insurance Co	$266	$45
Farmers Mutual of Nebraska	$980	$165
USAA	$1718	$289
State Farm	$1741	$293
Progressive	$2220	$374
North Star Mutual	$2600	$434
Auto-Owners	$3672	$618
Nationwide	$4296	$723
Farm Bureau	$4379	$745
Allstate	$6531	$1088
Farmers	$4394	$732

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 St. Francis, American Family is the cheapest car insurance provider. At $175 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 St. Francis is Farmers, offering rates of around $2387 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$175	$29
Western National	$228	$38
Iowa Farm Bureau	$305	$51
Kemper	$349	$59
Farmers Mutual of Nebraska	$616	$104
Progressive	$943	$159
USAA	$2159	$367
Nationwide	$2760	$460
North Star Mutual	$3346	$568
Farm Bureau	$4319	$719
Auto-Owners	$5208	$886
State Farm	$6333	$1056
Farmers	$2387	$406

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Car Insurance Rates with An Accident in St. Francis

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

Cheapest Car Insurance Companies after an At-Fault Accident in St. Francis

The cheapest car insurance companies after an at-fault accident in St. Francis include American Family and Western National, offering $212 and $243, respectively. Farmers is an expensive provider with an average six-month premium of $2045.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$212	$36
Western National	$243	$41
Kemper	$274	$46
Auto-Owners Insurance Co	$282	$47
North Star Mutual Insurance	$419	$69
State Farm	$654	$110
Farmers Mutual of Nebraska	$707	$119
Progressive	$874	$147
USAA	$920	$155
Auto-Owners	$1407	$237
Allstate	$1825	$305
Nationwide	$2524	$425
North Star Mutual	$3483	$580
Farm Bureau	$3535	$602
Farmers	$2045	$348

St. Francis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Francis SD. For example, the car insurance in St. Francis after a DUI increases to $1110 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

St. Francis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1270	$211
One Med/PIP claim	$1270	$216
Not-at-fault accident	$1300	$216
Two Med/PIP claims	$1345	$229
One comp claim	$1353	$225
Failure to show documents	$1399	$238
Two comp claims	$1399	$233
Failure to wear a seat belt	$1437	$244
Child safety restraint	$1459	$243
Driving without lights	$1459	$248
Driving with expired registration	$1467	$244
Wrong way/wrong lane	$1467	$250
Cell phone violation	$1475	$246
Driving too slowly	$1475	$251
Texting while driving	$1475	$246
Failure to stop at a red light	$1482	$252
Failure to yield	$1482	$247
Following too closely	$1482	$252
Illegal turn	$1482	$247
Speeding 6 - 10 MPH over limit	$1482	$252
Improper passing	$1498	$250
Speeding 11 - 15 MPH over limit	$1505	$256
Speeding 16 - 20 MPH over limit	$1513	$252
Operating a vehicle without permission	$1551	$264
At-fault accident - less than $1000	$1567	$261
In 65 MPH zone	$1567	$266
Speeding in school zone	$1574	$262
Speeding 21 - 25 MPH over limit	$1612	$274
Passing school bus	$1681	$280
Open container	$1741	$296
At-fault accident - $1000-$2000	$1764	$294
At-fault accident - greater than $2000	$1764	$300
Driving with a suspended license	$2129	$355
Reckless driving	$2152	$366
Refusal to submit to a chemical test	$2273	$379
Racing	$2349	$399
DUI	$2380	$397
Leaving scene of an accident/hit and run	$2433	$413

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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 St. Francis 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 St. Francis.

The cheapest car insurance premiums in St. Francis are offered by American Family at $205 for a six-month policy. However, it can be as expensive as $2152 with companies like Farmers.

St. Francis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$205	$35
Western National	$228	$38
Progressive	$806	$136
Farmers Mutual of Nebraska	$1011	$170
State Farm	$1011	$170
USAA	$1779	$300
Auto-Owners	$1908	$321
Allstate	$2030	$346
Nationwide	$3331	$561
Farm Bureau	$4874	$828
North Star Mutual	$5816	$969
Farmers	$2152	$358

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 St. Francis are offered by American Family at $205. However, it can be as expensive as $2250 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in St. Francis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$205	$35
Kemper	$212	$36
Western National	$228	$38
Auto-Owners Insurance Co	$236	$40
Farmers Mutual of Nebraska	$349	$59
Progressive	$471	$79
State Farm	$471	$79
North Star Mutual	$600	$102
USAA	$745	$124
Auto-Owners	$1361	$232
Farm Bureau	$1490	$248
Nationwide	$1810	$307
Farmers	$2250	$375

Car Insurance Price Trends in St. Francis, South Dakota

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

The average cost of full coverage in the St. Francis remained steady at $216 in both April and March, indicating no change over the two month period.

The average cost of liability insurance in the St. Francis remained steady at $38 in both April and March, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Francis?

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

What is the cheapest car insurance in St. Francis?

The cheapest car insurance in St. Francis is $64 per month for full coverage.

How much is car insurance in St. Francis for teenagers?

Car insurance for teenagers costs $197 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 St. Francis?

The average cost of car insurance is $954 for a six-month policy. It will cost around $205 per month to insure your car in St. Francis.

Is car insurance expensive in St. Francis?

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

What is the best car insurance in St. Francis, SD?

The best car insurance company in St. Francis SD is American Family, offering $388 for a six-month policy.