Cheapest Car Insurance Quotes in Viborg

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Viborg Car Insurance

^$ 15

/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 Viborg

The car insurance rate in Viborg is $859 for a six-month policy, which is $95 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $273, making it a popular choice for budget-conscious drivers. Rates in Viborg 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 Viborg

$859

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Viborg

1st place: American Family

At $273 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 $353 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 $438 for six months, making it the third cheapest auto insurance company in Viborg.

Viborg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Viborg, SD is American Family, offering policies at just $273 for a six-month term. This is followed by Kemper, which has an average six-month premium of $353.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1620 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Viborg drivers find the best deals.

Cheap Car Insurance Companies in Viborg, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$273	$45
Kemper	$353	$60
Farmers Mutual of Nebraska	$438	$74
Auto-Owners Insurance Co	$465	$79
State Farm	$807	$136
Allstate	$877	$148
Progressive	$882	$149
USAA	$904	$152
Nationwide	$1031	$174
Auto-Owners	$1042	$176
Farmers	$1064	$179
North Star Mutual	$1417	$241
Farm Bureau	$1620	$270

Key Takeaways

Way's key takeaways about car insurance in Viborg

The auto insurance costs in Viborg fall around $273 for six months.
The cheapest auto insurance company in Viborg is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Viborg at $515 per month.

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Cheapest Minimum Liability Car Insurance in Viborg

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 Viborg are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Viborg. Their Average 6 Month Premium is $91. Farmers is the most expensive at $337 for the same period.

Cheapest Liability Coverage in Viborg, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$91	$15
American Family	$107	$18
Kemper	$123	$21
USAA	$129	$22
Progressive	$134	$23
Auto-Owners Insurance Co	$144	$24
State Farm	$149	$25
North Star Mutual	$160	$27
Auto-Owners	$166	$28
North Star Mutual Insurance	$193	$32
Farm Bureau	$224	$38
Nationwide	$289	$49
Allstate	$315	$54
Farmers	$337	$58

Cheapest Full Coverage Car Insurance in Viborg

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 Viborg is American Family at $45 per month and $273 for six months.

Cheapest Full Coverage Car Insurance Quotes in Viborg, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$273	$45
Kemper	$353	$60
Farmers Mutual of Nebraska	$438	$74
Auto-Owners Insurance Co	$465	$79
State Farm	$807	$136
Allstate	$877	$148
Progressive	$882	$149
USAA	$904	$152
Nationwide	$1031	$174
Auto-Owners	$1042	$176
Farmers	$1064	$179
North Star Mutual	$1417	$241
Farm Bureau	$1620	$270

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Average Car Insurance in Viborg 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 Viborg, SD increasing?

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

Car Insurance Premiums by Age in Viborg

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 Viborg,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Viborg at $23 per month. At $3090 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$139	$23
North Star Mutual Insurance	$171	$29
Kemper	$176	$30
Auto-Owners Insurance Co	$187	$32
Farmers Mutual of Nebraska	$689	$116
USAA	$1208	$203
State Farm	$1224	$206
Progressive	$1561	$263
North Star Mutual	$1828	$305
Auto-Owners	$2582	$435
Nationwide	$3020	$509
Farm Bureau	$3079	$524
Allstate	$4592	$765
Farmers	$3090	$515

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 Viborg, American Family is the cheapest car insurance provider. At $123 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 Viborg is Farmers, offering rates of around $1679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$123	$21
Western National	$160	$27
Iowa Farm Bureau	$214	$36
Kemper	$246	$41
Farmers Mutual of Nebraska	$433	$73
Progressive	$663	$112
USAA	$1518	$258
Nationwide	$1940	$323
North Star Mutual	$2353	$400
Farm Bureau	$3037	$506
Auto-Owners	$3662	$623
State Farm	$4453	$743
Farmers	$1679	$285

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Car Insurance Rates with An Accident in Viborg

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

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

The cheapest car insurance companies after an at-fault accident in Viborg include American Family and Western National, offering $149 and $171, respectively. Farmers is an expensive provider with an average six-month premium of $1438.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Western National	$171	$29
Kemper	$193	$32
Auto-Owners Insurance Co	$198	$33
North Star Mutual Insurance	$294	$49
State Farm	$460	$77
Farmers Mutual of Nebraska	$497	$84
Progressive	$615	$104
USAA	$647	$109
Auto-Owners	$989	$167
Allstate	$1283	$214
Nationwide	$1775	$299
North Star Mutual	$2449	$408
Farm Bureau	$2486	$423
Farmers	$1438	$245

Viborg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Viborg SD. For example, the car insurance in Viborg after a DUI increases to $780 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Viborg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$893	$149
One Med/PIP claim	$893	$152
Not-at-fault accident	$914	$152
Two Med/PIP claims	$946	$161
One comp claim	$951	$158
Failure to show documents	$984	$167
Two comp claims	$984	$164
Failure to wear a seat belt	$1011	$172
Child safety restraint	$1026	$171
Driving without lights	$1026	$175
Driving with expired registration	$1031	$172
Wrong way/wrong lane	$1031	$176
Cell phone violation	$1037	$173
Driving too slowly	$1037	$176
Texting while driving	$1037	$173
Failure to stop at a red light	$1042	$177
Failure to yield	$1042	$174
Following too closely	$1042	$177
Illegal turn	$1042	$174
Speeding 6 - 10 MPH over limit	$1042	$177
Improper passing	$1053	$176
Speeding 11 - 15 MPH over limit	$1058	$180
Speeding 16 - 20 MPH over limit	$1064	$177
Operating a vehicle without permission	$1091	$185
At-fault accident - less than $1000	$1102	$184
In 65 MPH zone	$1102	$187
Speeding in school zone	$1107	$185
Speeding 21 - 25 MPH over limit	$1133	$193
Passing school bus	$1182	$197
Open container	$1224	$208
At-fault accident - $1000-$2000	$1240	$207
At-fault accident - greater than $2000	$1240	$211
Driving with a suspended license	$1497	$249
Reckless driving	$1513	$257
Refusal to submit to a chemical test	$1598	$266
Racing	$1652	$281
DUI	$1673	$279
Leaving scene of an accident/hit and run	$1711	$291

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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 Viborg 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 Viborg.

The cheapest car insurance premiums in Viborg are offered by American Family at $144 for a six-month policy. However, it can be as expensive as $1513 with companies like Farmers.

Viborg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Western National	$160	$27
Progressive	$567	$95
Farmers Mutual of Nebraska	$711	$120
State Farm	$711	$120
USAA	$1251	$211
Auto-Owners	$1342	$226
Allstate	$1427	$243
Nationwide	$2342	$394
Farm Bureau	$3427	$582
North Star Mutual	$4090	$681
Farmers	$1513	$252

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 Viborg are offered by American Family at $144. However, it can be as expensive as $1582 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Viborg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Kemper	$149	$25
Western National	$160	$27
Auto-Owners Insurance Co	$166	$28
Farmers Mutual of Nebraska	$246	$41
Progressive	$331	$56
State Farm	$331	$56
North Star Mutual	$422	$72
USAA	$524	$87
Auto-Owners	$957	$163
Farm Bureau	$1048	$175
Nationwide	$1273	$216
Farmers	$1582	$264

Car Insurance Price Trends in Viborg, South Dakota

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

The average cost of full coverage in the Viborg rose by $152 in January compared to $149 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 Viborg remained steady at $27 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 Viborg?

The car insurance in Viborg is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Viborg?

The cheapest car insurance in Viborg is $45 per month for full coverage.

How much is car insurance in Viborg for teenagers?

Car insurance for teenagers costs $139 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 Viborg?

The average cost of car insurance is $954 for a six-month policy. It will cost around $144 per month to insure your car in Viborg.

Is car insurance expensive in Viborg?

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

What is the best car insurance in Viborg, SD?

The best car insurance company in Viborg SD is American Family, offering $273 for a six-month policy.