Cheapest Car Insurance Quotes in Timber Lake

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Timber Lake 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 Timber Lake

The car insurance rate in Timber Lake is $997 for a six-month policy, which is $152 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Timber Lake 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 Timber Lake

$997

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Timber Lake

1st place: Kemper

At $463 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 $532 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 $610 for six months, making it the third cheapest auto insurance company in Timber Lake.

Timber Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Timber Lake, SD is Kemper, offering policies at just $463 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $532.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Timber Lake drivers find the best deals.

Cheap Car Insurance Companies in Timber Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
Farmers Mutual of Nebraska	$532	$90
Auto-Owners Insurance Co	$610	$101
American Family	$813	$137
State Farm	$989	$166
Allstate	$1149	$194
USAA	$1156	$195
Auto-Owners	$1178	$201
Farmers	$1227	$207
Progressive	$1240	$209
Nationwide	$1290	$217
North Star Mutual	$1325	$225

Key Takeaways

Way's key takeaways about car insurance in Timber Lake

The auto insurance costs in Timber Lake fall around $463 for six months.
The cheapest auto insurance company in Timber Lake is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Timber Lake at $37 per month.

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Cheapest Minimum Liability Car Insurance in Timber Lake

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 Timber Lake are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Timber Lake. Their Average 6 Month Premium is $126. North Star Mutual Insurance is the most expensive at $203 for the same period.

Cheapest Liability Coverage in Timber Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$126	$21
Kemper	$162	$27
USAA	$162	$27
American Family	$169	$28
Auto-Owners	$182	$31
North Star Mutual	$182	$31
Auto-Owners Insurance Co	$189	$32
Progressive	$189	$32
State Farm	$189	$32
Farmers	$315	$53
Nationwide	$386	$65
Allstate	$413	$71
North Star Mutual Insurance	$203	$34

Cheapest Full Coverage Car Insurance in Timber Lake

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 Timber Lake is Kemper at $77 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Timber Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
Farmers Mutual of Nebraska	$532	$90
Auto-Owners Insurance Co	$610	$101
American Family	$813	$137
State Farm	$989	$166
Allstate	$1149	$194
USAA	$1156	$195
Auto-Owners	$1178	$201
Farmers	$1227	$207
Progressive	$1240	$209
Nationwide	$1290	$217
North Star Mutual	$1325	$225

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Average Car Insurance in Timber Lake 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 Timber Lake, SD increasing?

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

Car Insurance Premiums by Age in Timber Lake

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 Timber Lake,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Timber Lake at $39 per month. At $217 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	$231	$39
Auto-Owners Insurance Co	$245	$41
Farmers Mutual of Nebraska	$729	$123
State Farm	$1402	$236
USAA	$1486	$250
American Family	$1914	$322
Farmers	$2110	$355
Progressive	$2201	$371
North Star Mutual	$2804	$477
Auto-Owners	$2923	$487
Nationwide	$3834	$645
Allstate	$6020	$1003
North Star Mutual Insurance	$217	$37

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 Timber Lake, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $119 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 Timber Lake is State Farm, offering rates of around $3890 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$119	$20
Western National	$210	$35
Iowa Farm Bureau	$281	$47
Kemper	$322	$54
American Family	$1121	$189
Progressive	$1192	$201
USAA	$1781	$296
North Star Mutual	$2194	$373
Farmers	$2201	$367
Nationwide	$2313	$393
State Farm	$3890	$648

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Car Insurance Rates with An Accident in Timber Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Timber Lake

The cheapest car insurance companies after an at-fault accident in Timber Lake include Western National and Kemper, offering $224 and $253, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$224	$38
Kemper	$253	$42
Auto-Owners Insurance Co	$260	$44
Farmers Mutual of Nebraska	$526	$89
State Farm	$539	$91
USAA	$806	$136
Progressive	$848	$143
Auto-Owners	$870	$146
Farmers	$1058	$178
American Family	$1149	$194
Allstate	$1683	$281
Nationwide	$2208	$372
North Star Mutual	$2279	$380
North Star Mutual Insurance	$365	$63

Timber Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Timber Lake SD. For example, the car insurance in Timber Lake after a DUI increases to $1023 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Timber Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1171	$195
One Med/PIP claim	$1171	$199
Not-at-fault accident	$1199	$199
Two Med/PIP claims	$1240	$211
One comp claim	$1247	$208
Failure to show documents	$1290	$219
Two comp claims	$1290	$215
Failure to wear a seat belt	$1325	$225
Child safety restraint	$1345	$224
Driving without lights	$1345	$229
Driving with expired registration	$1352	$225
Wrong way/wrong lane	$1352	$230
Cell phone violation	$1359	$227
Driving too slowly	$1359	$231
Texting while driving	$1359	$227
Failure to stop at a red light	$1366	$232
Failure to yield	$1366	$228
Following too closely	$1366	$232
Illegal turn	$1366	$228
Speeding 6 - 10 MPH over limit	$1366	$232
Improper passing	$1381	$230
Speeding 11 - 15 MPH over limit	$1388	$236
Speeding 16 - 20 MPH over limit	$1395	$232
Operating a vehicle without permission	$1430	$243
At-fault accident - less than $1000	$1444	$241
In 65 MPH zone	$1444	$245
Speeding in school zone	$1451	$242
Speeding 21 - 25 MPH over limit	$1486	$253
Passing school bus	$1549	$258
Open container	$1605	$273
At-fault accident - $1000-$2000	$1626	$271
At-fault accident - greater than $2000	$1626	$276
Driving with a suspended license	$1962	$327
Reckless driving	$1984	$337
Refusal to submit to a chemical test	$2096	$349
Racing	$2165	$368
DUI	$2194	$366
Leaving scene of an accident/hit and run	$2243	$381

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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 Timber Lake 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 Timber Lake.

The cheapest car insurance premiums in Timber Lake are offered by Western National at $210 for a six-month policy. However, it can be as expensive as $3806 with companies like North Star Mutual.

Timber Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$210	$35
Farmers Mutual of Nebraska	$750	$126
State Farm	$778	$131
Progressive	$799	$135
Farmers	$1156	$195
American Family	$1261	$212
USAA	$1556	$262
Allstate	$1871	$312
Auto-Owners	$1900	$323
Nationwide	$2902	$489
North Star Mutual	$3806	$647

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 Timber Lake are offered by Farmers Mutual of Nebraska at $126. However, it can be as expensive as $2074 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Timber Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$126	$21
Kemper	$196	$33
Western National	$210	$35
Auto-Owners Insurance Co	$217	$37
State Farm	$365	$61
USAA	$546	$93
Progressive	$603	$101
North Star Mutual	$666	$113
American Family	$771	$130
Nationwide	$1766	$301
Farmers	$2074	$346

Car Insurance Price Trends in Timber Lake, South Dakota

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

The average cost of full coverage in the Timber Lake remained steady at $195 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Timber Lake remained steady at $35 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 Timber Lake?

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

What is the cheapest car insurance in Timber Lake?

The cheapest car insurance in Timber Lake is $77 per month for full coverage.

How much is car insurance in Timber Lake for teenagers?

Car insurance for teenagers costs $231 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 Timber Lake?

The average cost of car insurance is $845 for a six-month policy. It will cost around $168 per month to insure your car in Timber Lake.

Is car insurance expensive in Timber Lake?

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

What is the best car insurance in Timber Lake, SD?

The best car insurance company in Timber Lake SD is Kemper, offering $463 for a six-month policy.