Cheapest Car Insurance Quotes in Summerset

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Summerset Car Insurance

^$ 18

/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 Summerset

The car insurance rate in Summerset is $1021 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Summerset 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 Summerset

$1021

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Summerset

1st place: American Family

At $324 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 $419 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 $521 for six months, making it the third cheapest auto insurance company in Summerset.

Summerset Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Summerset, SD is American Family, offering policies at just $324 for a six-month term. This is followed by Kemper, which has an average six-month premium of $419.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1926 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Summerset drivers find the best deals.

Cheap Car Insurance Companies in Summerset, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$54
Kemper	$419	$72
Farmers Mutual of Nebraska	$521	$88
Auto-Owners Insurance Co	$553	$94
State Farm	$960	$162
Allstate	$1042	$175
Progressive	$1049	$177
USAA	$1074	$181
Nationwide	$1226	$207
Auto-Owners	$1239	$209
Farmers	$1265	$213
North Star Mutual	$1684	$287
Farm Bureau	$1926	$321

Key Takeaways

Way's key takeaways about car insurance in Summerset

The auto insurance costs in Summerset fall around $324 for six months.
The cheapest auto insurance company in Summerset is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Summerset at $612 per month.

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Cheapest Minimum Liability Car Insurance in Summerset

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 Summerset are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Summerset. Their Average 6 Month Premium is $108. Farmers is the most expensive at $400 for the same period.

Cheapest Liability Coverage in Summerset, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$108	$18
American Family	$127	$21
Kemper	$147	$25
USAA	$153	$26
Progressive	$159	$27
Auto-Owners Insurance Co	$171	$29
State Farm	$178	$30
North Star Mutual	$190	$32
Auto-Owners	$197	$33
North Star Mutual Insurance	$229	$39
Farm Bureau	$266	$45
Nationwide	$343	$58
Allstate	$375	$64
Farmers	$400	$68

Cheapest Full Coverage Car Insurance in Summerset

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 Summerset is American Family at $54 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Summerset, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$54
Kemper	$419	$72
Farmers Mutual of Nebraska	$521	$88
Auto-Owners Insurance Co	$553	$94
State Farm	$960	$162
Allstate	$1042	$175
Progressive	$1049	$177
USAA	$1074	$181
Nationwide	$1226	$207
Auto-Owners	$1239	$209
Farmers	$1265	$213
North Star Mutual	$1684	$287
Farm Bureau	$1926	$321

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Average Car Insurance in Summerset 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 Summerset, SD increasing?

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

Car Insurance Premiums by Age in Summerset

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 Summerset,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Summerset at $28 per month. At $3673 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$165	$28
North Star Mutual Insurance	$203	$34
Kemper	$210	$35
Auto-Owners Insurance Co	$223	$37
Farmers Mutual of Nebraska	$820	$138
USAA	$1436	$242
State Farm	$1455	$245
Progressive	$1855	$312
North Star Mutual	$2173	$363
Auto-Owners	$3070	$517
Nationwide	$3591	$605
Farm Bureau	$3660	$623
Allstate	$5459	$910
Farmers	$3673	$612

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 Summerset, American Family is the cheapest car insurance provider. At $147 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 Summerset is Farmers, offering rates of around $1996 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$147	$25
Western National	$190	$32
Iowa Farm Bureau	$255	$43
Kemper	$292	$49
Farmers Mutual of Nebraska	$515	$87
Progressive	$789	$133
USAA	$1805	$307
Nationwide	$2307	$384
North Star Mutual	$2797	$475
Farm Bureau	$3610	$601
Auto-Owners	$4354	$740
State Farm	$5294	$883
Farmers	$1996	$339

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Car Insurance Rates with An Accident in Summerset

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

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

The cheapest car insurance companies after an at-fault accident in Summerset include American Family and Western National, offering $178 and $203, respectively. Farmers is an expensive provider with an average six-month premium of $1710.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$178	$30
Western National	$203	$34
Kemper	$229	$39
Auto-Owners Insurance Co	$235	$40
North Star Mutual Insurance	$350	$58
State Farm	$547	$92
Farmers Mutual of Nebraska	$591	$100
Progressive	$731	$123
USAA	$769	$129
Auto-Owners	$1176	$198
Allstate	$1526	$255
Nationwide	$2110	$355
North Star Mutual	$2911	$485
Farm Bureau	$2955	$503
Farmers	$1710	$291

Summerset Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Summerset SD. For example, the car insurance in Summerset after a DUI increases to $928 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Summerset auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1061	$177
One Med/PIP claim	$1061	$181
Not-at-fault accident	$1087	$181
Two Med/PIP claims	$1125	$192
One comp claim	$1131	$188
Failure to show documents	$1170	$199
Two comp claims	$1170	$195
Failure to wear a seat belt	$1202	$204
Child safety restraint	$1220	$203
Driving without lights	$1220	$208
Driving with expired registration	$1226	$204
Wrong way/wrong lane	$1226	$209
Cell phone violation	$1233	$205
Driving too slowly	$1233	$210
Texting while driving	$1233	$205
Failure to stop at a red light	$1239	$211
Failure to yield	$1239	$207
Following too closely	$1239	$211
Illegal turn	$1239	$207
Speeding 6 - 10 MPH over limit	$1239	$211
Improper passing	$1252	$209
Speeding 11 - 15 MPH over limit	$1258	$214
Speeding 16 - 20 MPH over limit	$1265	$211
Operating a vehicle without permission	$1297	$220
At-fault accident - less than $1000	$1310	$218
In 65 MPH zone	$1310	$223
Speeding in school zone	$1316	$219
Speeding 21 - 25 MPH over limit	$1347	$229
Passing school bus	$1405	$234
Open container	$1455	$247
At-fault accident - $1000-$2000	$1474	$246
At-fault accident - greater than $2000	$1474	$250
Driving with a suspended license	$1779	$296
Reckless driving	$1799	$306
Refusal to submit to a chemical test	$1900	$317
Racing	$1963	$334
DUI	$1989	$332
Leaving scene of an accident/hit and run	$2034	$346

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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 Summerset 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 Summerset.

The cheapest car insurance premiums in Summerset are offered by American Family at $171 for a six-month policy. However, it can be as expensive as $1799 with companies like Farmers.

Summerset car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
Western National	$190	$32
Progressive	$674	$113
Farmers Mutual of Nebraska	$845	$142
State Farm	$845	$142
USAA	$1487	$250
Auto-Owners	$1595	$269
Allstate	$1697	$289
Nationwide	$2784	$469
Farm Bureau	$4075	$692
North Star Mutual	$4862	$810
Farmers	$1799	$300

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 Summerset are offered by American Family at $171. However, it can be as expensive as $1881 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Summerset after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$171	$29
Kemper	$178	$30
Western National	$190	$32
Auto-Owners Insurance Co	$197	$33
Farmers Mutual of Nebraska	$292	$49
Progressive	$394	$66
State Farm	$394	$66
North Star Mutual	$502	$86
USAA	$623	$104
Auto-Owners	$1137	$194
Farm Bureau	$1245	$208
Nationwide	$1513	$257
Farmers	$1881	$314

Car Insurance Price Trends in Summerset, South Dakota

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

The average cost of full coverage in the Summerset rose by $181 in January compared to $178 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 Summerset remained steady at $32 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 Summerset?

The car insurance in Summerset is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Summerset?

The cheapest car insurance in Summerset is $54 per month for full coverage.

How much is car insurance in Summerset for teenagers?

Car insurance for teenagers costs $165 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 Summerset?

The average cost of car insurance is $954 for a six-month policy. It will cost around $171 per month to insure your car in Summerset.

Is car insurance expensive in Summerset?

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

What is the best car insurance in Summerset, SD?

The best car insurance company in Summerset SD is American Family, offering $324 for a six-month policy.