Cheapest Car Insurance Quotes in Vermillion

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Vermillion 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 Vermillion

The car insurance rate in Vermillion is $811 for a six-month policy, which is $143 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $258, making it a popular choice for budget-conscious drivers. Rates in Vermillion 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 Vermillion

$811

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Vermillion

1st place: American Family

At $258 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 $333 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 $414 for six months, making it the third cheapest auto insurance company in Vermillion.

Vermillion Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vermillion, SD is American Family, offering policies at just $258 for a six-month term. This is followed by Kemper, which has an average six-month premium of $333.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1530 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vermillion drivers find the best deals.

Cheap Car Insurance Companies in Vermillion, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$258	$43
Kemper	$333	$57
Farmers Mutual of Nebraska	$414	$70
Auto-Owners Insurance Co	$439	$75
State Farm	$762	$128
Allstate	$828	$139
Progressive	$833	$140
USAA	$853	$144
Nationwide	$974	$164
Auto-Owners	$984	$166
Farmers	$1005	$169
North Star Mutual	$1338	$228
Farm Bureau	$1530	$255

Key Takeaways

Way's key takeaways about car insurance in Vermillion

The auto insurance costs in Vermillion fall around $258 for six months.
The cheapest auto insurance company in Vermillion is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Vermillion at $486 per month.

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Cheapest Minimum Liability Car Insurance in Vermillion

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 Vermillion are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Vermillion. Their Average 6 Month Premium is $86. Farmers is the most expensive at $318 for the same period.

Cheapest Liability Coverage in Vermillion, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$86	$14
American Family	$101	$17
Kemper	$116	$20
USAA	$122	$20
Progressive	$127	$21
Auto-Owners Insurance Co	$136	$23
State Farm	$141	$24
North Star Mutual	$151	$26
Auto-Owners	$156	$26
North Star Mutual Insurance	$182	$31
Farm Bureau	$212	$36
Nationwide	$273	$46
Allstate	$298	$51
Farmers	$318	$54

Cheapest Full Coverage Car Insurance in Vermillion

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 Vermillion is American Family at $43 per month and $258 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vermillion, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$258	$43
Kemper	$333	$57
Farmers Mutual of Nebraska	$414	$70
Auto-Owners Insurance Co	$439	$75
State Farm	$762	$128
Allstate	$828	$139
Progressive	$833	$140
USAA	$853	$144
Nationwide	$974	$164
Auto-Owners	$984	$166
Farmers	$1005	$169
North Star Mutual	$1338	$228
Farm Bureau	$1530	$255

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Average Car Insurance in Vermillion 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 Vermillion, SD increasing?

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

Car Insurance Premiums by Age in Vermillion

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 Vermillion,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Vermillion at $22 per month. At $2918 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
North Star Mutual Insurance	$162	$27
Kemper	$167	$28
Auto-Owners Insurance Co	$177	$30
Farmers Mutual of Nebraska	$651	$110
USAA	$1141	$192
State Farm	$1156	$195
Progressive	$1474	$248
North Star Mutual	$1726	$288
Auto-Owners	$2439	$411
Nationwide	$2853	$480
Farm Bureau	$2908	$495
Allstate	$4337	$723
Farmers	$2918	$486

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 Vermillion, American Family is the cheapest car insurance provider. At $116 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 Vermillion is Farmers, offering rates of around $1585 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$116	$20
Western National	$151	$26
Iowa Farm Bureau	$202	$34
Kemper	$232	$39
Farmers Mutual of Nebraska	$409	$69
Progressive	$626	$105
USAA	$1434	$244
Nationwide	$1833	$305
North Star Mutual	$2222	$377
Farm Bureau	$2868	$478
Auto-Owners	$3459	$588
State Farm	$4206	$701
Farmers	$1585	$269

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Car Insurance Rates with An Accident in Vermillion

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

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

The cheapest car insurance companies after an at-fault accident in Vermillion include American Family and Western National, offering $141 and $162, respectively. Farmers is an expensive provider with an average six-month premium of $1358.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
Western National	$162	$27
Kemper	$182	$31
Auto-Owners Insurance Co	$187	$31
North Star Mutual Insurance	$278	$46
State Farm	$434	$73
Farmers Mutual of Nebraska	$469	$79
Progressive	$581	$98
USAA	$611	$103
Auto-Owners	$934	$157
Allstate	$1212	$202
Nationwide	$1676	$282
North Star Mutual	$2313	$385
Farm Bureau	$2348	$400
Farmers	$1358	$231

Vermillion Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vermillion SD. For example, the car insurance in Vermillion after a DUI increases to $737 for a six month policy. While the rate increases by $141 for a six-month policy in the case of a speeding ticket.

Vermillion auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$843	$140
One Med/PIP claim	$843	$144
Not-at-fault accident	$864	$144
Two Med/PIP claims	$893	$152
One comp claim	$898	$150
Failure to show documents	$929	$158
Two comp claims	$929	$155
Failure to wear a seat belt	$955	$162
Child safety restraint	$969	$162
Driving without lights	$969	$165
Driving with expired registration	$974	$162
Wrong way/wrong lane	$974	$166
Cell phone violation	$979	$163
Driving too slowly	$979	$167
Texting while driving	$979	$163
Failure to stop at a red light	$984	$167
Failure to yield	$984	$164
Following too closely	$984	$167
Illegal turn	$984	$164
Speeding 6 - 10 MPH over limit	$984	$167
Improper passing	$995	$166
Speeding 11 - 15 MPH over limit	$1000	$170
Speeding 16 - 20 MPH over limit	$1005	$167
Operating a vehicle without permission	$1030	$175
At-fault accident - less than $1000	$1040	$173
In 65 MPH zone	$1040	$177
Speeding in school zone	$1046	$174
Speeding 21 - 25 MPH over limit	$1070	$182
Passing school bus	$1116	$186
Open container	$1156	$196
At-fault accident - $1000-$2000	$1171	$196
At-fault accident - greater than $2000	$1171	$199
Driving with a suspended license	$1414	$235
Reckless driving	$1429	$243
Refusal to submit to a chemical test	$1510	$252
Racing	$1560	$265
DUI	$1580	$264
Leaving scene of an accident/hit and run	$1616	$275

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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 Vermillion 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 Vermillion.

The cheapest car insurance premiums in Vermillion are offered by American Family at $136 for a six-month policy. However, it can be as expensive as $1429 with companies like Farmers.

Vermillion car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Western National	$151	$26
Progressive	$536	$90
Farmers Mutual of Nebraska	$672	$113
State Farm	$672	$113
USAA	$1182	$199
Auto-Owners	$1267	$213
Allstate	$1348	$230
Nationwide	$2212	$372
Farm Bureau	$3237	$550
North Star Mutual	$3862	$643
Farmers	$1429	$238

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 Vermillion are offered by American Family at $136. However, it can be as expensive as $1494 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vermillion after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Kemper	$141	$24
Western National	$151	$26
Auto-Owners Insurance Co	$156	$26
Farmers Mutual of Nebraska	$232	$39
Progressive	$313	$53
State Farm	$313	$53
North Star Mutual	$399	$68
USAA	$495	$82
Auto-Owners	$904	$154
Farm Bureau	$989	$165
Nationwide	$1202	$204
Farmers	$1494	$249

Car Insurance Price Trends in Vermillion, South Dakota

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

The average cost of full coverage in the Vermillion rose by $144 in January compared to $141 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 Vermillion remained steady at $26 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 Vermillion?

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

What is the cheapest car insurance in Vermillion?

The cheapest car insurance in Vermillion is $43 per month for full coverage.

How much is car insurance in Vermillion for teenagers?

Car insurance for teenagers costs $131 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 Vermillion?

The average cost of car insurance is $954 for a six-month policy. It will cost around $136 per month to insure your car in Vermillion.

Is car insurance expensive in Vermillion?

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

What is the best car insurance in Vermillion, SD?

The best car insurance company in Vermillion SD is American Family, offering $258 for a six-month policy.