Cheapest Car Insurance Quotes in Vivian

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406,175 Policies Sold

Vivian Car Insurance

^$ 18

/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 Vivian

The car insurance rate in Vivian is $1011 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $321, making it a popular choice for budget-conscious drivers. Rates in Vivian 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 Vivian

$1011

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Vivian

1st place: American Family

At $321 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 $416 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 $516 for six months, making it the third cheapest auto insurance company in Vivian.

Vivian Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vivian, SD is American Family, offering policies at just $321 for a six-month term. This is followed by Kemper, which has an average six-month premium of $416.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1908 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vivian drivers find the best deals.

Cheap Car Insurance Companies in Vivian, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$321	$53
Kemper	$416	$71
Farmers Mutual of Nebraska	$516	$87
Auto-Owners Insurance Co	$548	$93
State Farm	$951	$160
Allstate	$1032	$174
Progressive	$1039	$175
USAA	$1064	$179
Nationwide	$1215	$205
Auto-Owners	$1227	$207
Farmers	$1253	$211
North Star Mutual	$1668	$284
Farm Bureau	$1908	$318

Key Takeaways

Way's key takeaways about car insurance in Vivian

The auto insurance costs in Vivian fall around $321 for six months.
The cheapest auto insurance company in Vivian is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Vivian at $606 per month.

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Cheapest Minimum Liability Car Insurance in Vivian

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 Vivian are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Vivian. Their Average 6 Month Premium is $107. Farmers is the most expensive at $396 for the same period.

Cheapest Liability Coverage in Vivian, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$107	$18
American Family	$126	$21
Kemper	$145	$24
USAA	$152	$25
Progressive	$158	$27
Auto-Owners Insurance Co	$170	$29
State Farm	$176	$30
North Star Mutual	$189	$32
Auto-Owners	$195	$33
North Star Mutual Insurance	$227	$38
Farm Bureau	$264	$45
Nationwide	$340	$57
Allstate	$371	$64
Farmers	$396	$68

Cheapest Full Coverage Car Insurance in Vivian

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 Vivian is American Family at $53 per month and $321 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vivian, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$321	$53
Kemper	$416	$71
Farmers Mutual of Nebraska	$516	$87
Auto-Owners Insurance Co	$548	$93
State Farm	$951	$160
Allstate	$1032	$174
Progressive	$1039	$175
USAA	$1064	$179
Nationwide	$1215	$205
Auto-Owners	$1227	$207
Farmers	$1253	$211
North Star Mutual	$1668	$284
Farm Bureau	$1908	$318

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Average Car Insurance in Vivian 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 Vivian, SD increasing?

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

Car Insurance Premiums by Age in Vivian

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 Vivian,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Vivian at $28 per month. At $3639 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
North Star Mutual Insurance	$201	$34
Kemper	$208	$35
Auto-Owners Insurance Co	$220	$37
Farmers Mutual of Nebraska	$812	$137
USAA	$1423	$240
State Farm	$1442	$243
Progressive	$1838	$310
North Star Mutual	$2153	$359
Auto-Owners	$3041	$512
Nationwide	$3557	$599
Farm Bureau	$3626	$617
Allstate	$5408	$901
Farmers	$3639	$606

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 Vivian, American Family is the cheapest car insurance provider. At $145 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 Vivian is Farmers, offering rates of around $1977 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$145	$24
Western National	$189	$32
Iowa Farm Bureau	$252	$42
Kemper	$289	$49
Farmers Mutual of Nebraska	$510	$86
Progressive	$781	$131
USAA	$1788	$304
Nationwide	$2285	$381
North Star Mutual	$2771	$471
Farm Bureau	$3576	$596
Auto-Owners	$4313	$734
State Farm	$5245	$875
Farmers	$1977	$336

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Car Insurance Rates with An Accident in Vivian

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

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

The cheapest car insurance companies after an at-fault accident in Vivian include American Family and Western National, offering $176 and $201, respectively. Farmers is an expensive provider with an average six-month premium of $1694.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$176	$30
Western National	$201	$34
Kemper	$227	$38
Auto-Owners Insurance Co	$233	$39
North Star Mutual Insurance	$347	$57
State Farm	$542	$91
Farmers Mutual of Nebraska	$585	$99
Progressive	$724	$122
USAA	$762	$128
Auto-Owners	$1165	$196
Allstate	$1512	$252
Nationwide	$2090	$352
North Star Mutual	$2884	$480
Farm Bureau	$2928	$498
Farmers	$1694	$288

Vivian Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vivian SD. For example, the car insurance in Vivian after a DUI increases to $919 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Vivian auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1052	$175
One Med/PIP claim	$1052	$179
Not-at-fault accident	$1077	$179
Two Med/PIP claims	$1114	$190
One comp claim	$1120	$187
Failure to show documents	$1159	$197
Two comp claims	$1159	$193
Failure to wear a seat belt	$1190	$202
Child safety restraint	$1208	$201
Driving without lights	$1208	$206
Driving with expired registration	$1215	$202
Wrong way/wrong lane	$1215	$207
Cell phone violation	$1221	$204
Driving too slowly	$1221	$208
Texting while driving	$1221	$204
Failure to stop at a red light	$1227	$209
Failure to yield	$1227	$205
Following too closely	$1227	$209
Illegal turn	$1227	$205
Speeding 6 - 10 MPH over limit	$1227	$209
Improper passing	$1240	$207
Speeding 11 - 15 MPH over limit	$1247	$212
Speeding 16 - 20 MPH over limit	$1253	$209
Operating a vehicle without permission	$1285	$218
At-fault accident - less than $1000	$1297	$216
In 65 MPH zone	$1297	$220
Speeding in school zone	$1304	$217
Speeding 21 - 25 MPH over limit	$1335	$227
Passing school bus	$1392	$232
Open container	$1442	$245
At-fault accident - $1000-$2000	$1461	$244
At-fault accident - greater than $2000	$1461	$248
Driving with a suspended license	$1763	$294
Reckless driving	$1782	$303
Refusal to submit to a chemical test	$1883	$314
Racing	$1945	$331
DUI	$1971	$329
Leaving scene of an accident/hit and run	$2015	$342

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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 Vivian 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 Vivian.

The cheapest car insurance premiums in Vivian are offered by American Family at $170 for a six-month policy. However, it can be as expensive as $1782 with companies like Farmers.

Vivian car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$170	$29
Western National	$189	$32
Progressive	$668	$112
Farmers Mutual of Nebraska	$837	$141
State Farm	$837	$141
USAA	$1473	$248
Auto-Owners	$1580	$266
Allstate	$1681	$286
Nationwide	$2758	$464
Farm Bureau	$4036	$686
North Star Mutual	$4817	$802
Farmers	$1782	$297

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 Vivian are offered by American Family at $170. However, it can be as expensive as $1863 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vivian after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$170	$29
Kemper	$176	$30
Western National	$189	$32
Auto-Owners Insurance Co	$195	$33
Farmers Mutual of Nebraska	$289	$49
Progressive	$390	$66
State Farm	$390	$66
North Star Mutual	$497	$85
USAA	$617	$103
Auto-Owners	$1127	$192
Farm Bureau	$1234	$206
Nationwide	$1499	$254
Farmers	$1863	$311

Car Insurance Price Trends in Vivian, South Dakota

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

The average cost of full coverage in the Vivian rose by $179 in January compared to $176 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 Vivian remained steady at $32 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 Vivian?

The car insurance in Vivian is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Vivian?

The cheapest car insurance in Vivian is $53 per month for full coverage.

How much is car insurance in Vivian for teenagers?

Car insurance for teenagers costs $163 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 Vivian?

The average cost of car insurance is $954 for a six-month policy. It will cost around $170 per month to insure your car in Vivian.

Is car insurance expensive in Vivian?

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

What is the best car insurance in Vivian, SD?

The best car insurance company in Vivian SD is American Family, offering $321 for a six-month policy.