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 $1164 for a six-month policy, which is $210 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, 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

$1164

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Timber Lake

1st place: American Family

At $370 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 $478 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 $594 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 American Family, offering policies at just $370 for a six-month term. This is followed by Kemper, which has an average six-month premium of $478.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2196 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
American Family	$370	$61
Kemper	$478	$82
Farmers Mutual of Nebraska	$594	$100
Auto-Owners Insurance Co	$631	$107
State Farm	$1094	$184
Allstate	$1188	$200
Progressive	$1196	$201
USAA	$1225	$206
Nationwide	$1398	$235
Auto-Owners	$1413	$238
Farmers	$1442	$243
North Star Mutual	$1920	$327
Farm Bureau	$2196	$366

Key Takeaways

Way's key takeaways about car insurance in Timber Lake

The auto insurance costs in Timber Lake fall around $370 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 $698 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 $123. Farmers is the most expensive at $456 for the same period.

Cheapest Liability Coverage in Timber Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$123	$21
American Family	$145	$24
Kemper	$167	$28
USAA	$174	$29
Progressive	$182	$31
Auto-Owners Insurance Co	$195	$33
State Farm	$203	$34
North Star Mutual	$217	$37
Auto-Owners	$224	$38
North Star Mutual Insurance	$261	$44
Farm Bureau	$304	$51
Nationwide	$392	$66
Allstate	$427	$73
Farmers	$456	$78

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 American Family at $61 per month and $370 for six months.

Cheapest Full Coverage Car Insurance Quotes in Timber Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$61
Kemper	$478	$82
Farmers Mutual of Nebraska	$594	$100
Auto-Owners Insurance Co	$631	$107
State Farm	$1094	$184
Allstate	$1188	$200
Progressive	$1196	$201
USAA	$1225	$206
Nationwide	$1398	$235
Auto-Owners	$1413	$238
Farmers	$1442	$243
North Star Mutual	$1920	$327
Farm Bureau	$2196	$366

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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, American Family provides the cheapest car insurance in the Timber Lake at $32 per month. At $4188 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$188	$32
North Star Mutual Insurance	$232	$39
Kemper	$239	$40
Auto-Owners Insurance Co	$254	$43
Farmers Mutual of Nebraska	$935	$157
USAA	$1637	$276
State Farm	$1659	$279
Progressive	$2115	$356
North Star Mutual	$2478	$414
Auto-Owners	$3500	$589
Nationwide	$4094	$689
Farm Bureau	$4174	$710
Allstate	$6224	$1037
Farmers	$4188	$698

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, American Family is the cheapest car insurance provider. At $167 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 Farmers, offering rates of around $2275 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$167	$28
Western National	$217	$37
Iowa Farm Bureau	$290	$49
Kemper	$333	$56
Farmers Mutual of Nebraska	$587	$99
Progressive	$899	$151
USAA	$2058	$350
Nationwide	$2630	$438
North Star Mutual	$3189	$542
Farm Bureau	$4116	$686
Auto-Owners	$4964	$844
State Farm	$6037	$1007
Farmers	$2275	$387

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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 American Family and Western National, offering $203 and $232, respectively. Farmers is an expensive provider with an average six-month premium of $1950.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$203	$34
Western National	$232	$39
Kemper	$261	$44
Auto-Owners Insurance Co	$268	$45
North Star Mutual Insurance	$399	$66
State Farm	$623	$105
Farmers Mutual of Nebraska	$673	$113
Progressive	$833	$140
USAA	$877	$148
Auto-Owners	$1341	$226
Allstate	$1740	$290
Nationwide	$2406	$405
North Star Mutual	$3320	$553
Farm Bureau	$3370	$573
Farmers	$1950	$332

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 $1058 for a six month policy. While the rate increases by $203 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	$1210	$201
One Med/PIP claim	$1210	$206
Not-at-fault accident	$1240	$206
Two Med/PIP claims	$1282	$218
One comp claim	$1290	$215
Failure to show documents	$1333	$227
Two comp claims	$1333	$222
Failure to wear a seat belt	$1370	$233
Child safety restraint	$1391	$232
Driving without lights	$1391	$237
Driving with expired registration	$1398	$233
Wrong way/wrong lane	$1398	$238
Cell phone violation	$1405	$234
Driving too slowly	$1405	$239
Texting while driving	$1405	$234
Failure to stop at a red light	$1413	$240
Failure to yield	$1413	$235
Following too closely	$1413	$240
Illegal turn	$1413	$235
Speeding 6 - 10 MPH over limit	$1413	$240
Improper passing	$1427	$238
Speeding 11 - 15 MPH over limit	$1435	$244
Speeding 16 - 20 MPH over limit	$1442	$240
Operating a vehicle without permission	$1479	$251
At-fault accident - less than $1000	$1493	$249
In 65 MPH zone	$1493	$254
Speeding in school zone	$1501	$250
Speeding 21 - 25 MPH over limit	$1536	$261
Passing school bus	$1602	$267
Open container	$1659	$282
At-fault accident - $1000-$2000	$1681	$281
At-fault accident - greater than $2000	$1681	$285
Driving with a suspended license	$2029	$338
Reckless driving	$2051	$349
Refusal to submit to a chemical test	$2167	$361
Racing	$2239	$381
DUI	$2268	$378
Leaving scene of an accident/hit and run	$2319	$394

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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 American Family at $195 for a six-month policy. However, it can be as expensive as $2051 with companies like Farmers.

Timber Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$195	$33
Western National	$217	$37
Progressive	$769	$129
Farmers Mutual of Nebraska	$964	$162
State Farm	$964	$162
USAA	$1696	$285
Auto-Owners	$1819	$306
Allstate	$1935	$329
Nationwide	$3174	$534
Farm Bureau	$4646	$789
North Star Mutual	$5544	$924
Farmers	$2051	$342

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 American Family at $195. However, it can be as expensive as $2145 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
American Family	$195	$33
Kemper	$203	$34
Western National	$217	$37
Auto-Owners Insurance Co	$224	$38
Farmers Mutual of Nebraska	$333	$56
Progressive	$449	$76
State Farm	$449	$76
North Star Mutual	$572	$98
USAA	$710	$118
Auto-Owners	$1297	$221
Farm Bureau	$1420	$237
Nationwide	$1725	$293
Farmers	$2145	$357

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 rose by $206 in January compared to $203 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 Timber Lake remained steady at $37 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 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 $61 per month for full coverage.

How much is car insurance in Timber Lake 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 Timber Lake?

The average cost of car insurance is $954 for a six-month policy. It will cost around $195 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 American Family, offering $370 for a six-month policy.