Cheapest Car Insurance Quotes in Valley Springs

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Valley Springs Car Insurance

^$ 14

/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 Valley Springs

The car insurance rate in Valley Springs is $801 for a six-month policy, which is $153 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $255, making it a popular choice for budget-conscious drivers. Rates in Valley Springs 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 Valley Springs

$801

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Valley Springs

1st place: American Family

At $255 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 $329 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 $409 for six months, making it the third cheapest auto insurance company in Valley Springs.

Valley Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valley Springs, SD is American Family, offering policies at just $255 for a six-month term. This is followed by Kemper, which has an average six-month premium of $329.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1512 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valley Springs drivers find the best deals.

Cheap Car Insurance Companies in Valley Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$42
Kemper	$329	$56
Farmers Mutual of Nebraska	$409	$69
Auto-Owners Insurance Co	$434	$74
State Farm	$753	$127
Allstate	$818	$138
Progressive	$823	$139
USAA	$843	$142
Nationwide	$963	$162
Auto-Owners	$973	$164
Farmers	$993	$167
North Star Mutual	$1322	$225
Farm Bureau	$1512	$252

Key Takeaways

Way's key takeaways about car insurance in Valley Springs

The auto insurance costs in Valley Springs fall around $255 for six months.
The cheapest auto insurance company in Valley Springs is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Valley Springs at $480 per month.

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Cheapest Minimum Liability Car Insurance in Valley Springs

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 Valley Springs are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Valley Springs. Their Average 6 Month Premium is $85. Farmers is the most expensive at $314 for the same period.

Cheapest Liability Coverage in Valley Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$85	$14
American Family	$100	$17
Kemper	$115	$19
USAA	$120	$20
Progressive	$125	$21
Auto-Owners Insurance Co	$134	$23
State Farm	$139	$24
North Star Mutual	$150	$25
Auto-Owners	$155	$26
North Star Mutual Insurance	$180	$30
Farm Bureau	$209	$35
Nationwide	$270	$45
Allstate	$294	$50
Farmers	$314	$54

Cheapest Full Coverage Car Insurance in Valley Springs

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 Valley Springs is American Family at $42 per month and $255 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valley Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$255	$42
Kemper	$329	$56
Farmers Mutual of Nebraska	$409	$69
Auto-Owners Insurance Co	$434	$74
State Farm	$753	$127
Allstate	$818	$138
Progressive	$823	$139
USAA	$843	$142
Nationwide	$963	$162
Auto-Owners	$973	$164
Farmers	$993	$167
North Star Mutual	$1322	$225
Farm Bureau	$1512	$252

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Average Car Insurance in Valley Springs 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 Valley Springs, SD increasing?

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

Car Insurance Premiums by Age in Valley Springs

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 Valley Springs,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Valley Springs at $22 per month. At $2884 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$129	$22
North Star Mutual Insurance	$160	$27
Kemper	$165	$28
Auto-Owners Insurance Co	$175	$29
Farmers Mutual of Nebraska	$643	$108
USAA	$1127	$190
State Farm	$1142	$192
Progressive	$1457	$245
North Star Mutual	$1706	$285
Auto-Owners	$2410	$406
Nationwide	$2819	$475
Farm Bureau	$2874	$489
Allstate	$4286	$714
Farmers	$2884	$480

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 Valley Springs, American Family is the cheapest car insurance provider. At $115 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 Valley Springs is Farmers, offering rates of around $1567 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$115	$19
Western National	$150	$25
Iowa Farm Bureau	$200	$34
Kemper	$229	$39
Farmers Mutual of Nebraska	$404	$68
Progressive	$619	$104
USAA	$1417	$241
Nationwide	$1811	$302
North Star Mutual	$2196	$373
Farm Bureau	$2834	$472
Auto-Owners	$3418	$581
State Farm	$4156	$693
Farmers	$1567	$266

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Car Insurance Rates with An Accident in Valley Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Springs

The cheapest car insurance companies after an at-fault accident in Valley Springs include American Family and Western National, offering $139 and $160, respectively. Farmers is an expensive provider with an average six-month premium of $1342.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$24
Western National	$160	$27
Kemper	$180	$30
Auto-Owners Insurance Co	$185	$31
North Star Mutual Insurance	$275	$45
State Farm	$429	$72
Farmers Mutual of Nebraska	$464	$78
Progressive	$574	$97
USAA	$604	$102
Auto-Owners	$923	$155
Allstate	$1198	$200
Nationwide	$1656	$279
North Star Mutual	$2286	$381
Farm Bureau	$2320	$395
Farmers	$1342	$228

Valley Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valley Springs SD. For example, the car insurance in Valley Springs after a DUI increases to $729 for a six month policy. While the rate increases by $140 for a six-month policy in the case of a speeding ticket.

Valley Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$833	$139
One Med/PIP claim	$833	$142
Not-at-fault accident	$853	$142
Two Med/PIP claims	$883	$150
One comp claim	$888	$148
Failure to show documents	$918	$156
Two comp claims	$918	$153
Failure to wear a seat belt	$943	$160
Child safety restraint	$958	$160
Driving without lights	$958	$163
Driving with expired registration	$963	$160
Wrong way/wrong lane	$963	$164
Cell phone violation	$968	$161
Driving too slowly	$968	$165
Texting while driving	$968	$161
Failure to stop at a red light	$973	$165
Failure to yield	$973	$162
Following too closely	$973	$165
Illegal turn	$973	$162
Speeding 6 - 10 MPH over limit	$973	$165
Improper passing	$983	$164
Speeding 11 - 15 MPH over limit	$988	$168
Speeding 16 - 20 MPH over limit	$993	$165
Operating a vehicle without permission	$1018	$173
At-fault accident - less than $1000	$1028	$171
In 65 MPH zone	$1028	$175
Speeding in school zone	$1033	$172
Speeding 21 - 25 MPH over limit	$1058	$180
Passing school bus	$1103	$184
Open container	$1142	$194
At-fault accident - $1000-$2000	$1158	$193
At-fault accident - greater than $2000	$1158	$197
Driving with a suspended license	$1397	$233
Reckless driving	$1412	$240
Refusal to submit to a chemical test	$1492	$249
Racing	$1541	$262
DUI	$1562	$260
Leaving scene of an accident/hit and run	$1597	$271

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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 Valley Springs 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 Valley Springs.

The cheapest car insurance premiums in Valley Springs are offered by American Family at $134 for a six-month policy. However, it can be as expensive as $1412 with companies like Farmers.

Valley Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Western National	$150	$25
Progressive	$529	$89
Farmers Mutual of Nebraska	$664	$112
State Farm	$664	$112
USAA	$1168	$197
Auto-Owners	$1252	$211
Allstate	$1332	$227
Nationwide	$2186	$368
Farm Bureau	$3199	$543
North Star Mutual	$3817	$636
Farmers	$1412	$235

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 Valley Springs are offered by American Family at $134. However, it can be as expensive as $1477 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Valley Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Kemper	$139	$24
Western National	$150	$25
Auto-Owners Insurance Co	$155	$26
Farmers Mutual of Nebraska	$229	$39
Progressive	$309	$52
State Farm	$309	$52
North Star Mutual	$394	$67
USAA	$489	$81
Auto-Owners	$893	$152
Farm Bureau	$978	$163
Nationwide	$1188	$202
Farmers	$1477	$246

Car Insurance Price Trends in Valley Springs, South Dakota

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

The average cost of full coverage in the Valley Springs rose by $142 in January compared to $139 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 Valley Springs remained steady at $25 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 Valley Springs?

The car insurance in Valley Springs is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Valley Springs?

The cheapest car insurance in Valley Springs is $42 per month for full coverage.

How much is car insurance in Valley Springs for teenagers?

Car insurance for teenagers costs $129 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 Valley Springs?

The average cost of car insurance is $954 for a six-month policy. It will cost around $134 per month to insure your car in Valley Springs.

Is car insurance expensive in Valley Springs?

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

What is the best car insurance in Valley Springs, SD?

The best car insurance company in Valley Springs SD is American Family, offering $255 for a six-month policy.