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Finding the cheapest car insurance quotes in Walker shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Walker
The car insurance rate in Walker is $980 for a six-month policy, which is $135 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Walker 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.
At $455 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska offers auto
insurance rates at $523 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto insurance
rates at $600
for six months, making it
the third cheapest auto insurance company in Walker.
Walker Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Walker, SD is Kemper, offering policies at just $455 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $523.
At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1303 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Walker drivers find the best deals.
The auto insurance costs in Walker fall around $455 for six
months.
The cheapest auto insurance company in Walker is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Walker at $36 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Walker
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 Walker are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Walker. Their Average 6 Month Premium is $124.
North Star Mutual Insurance is the most
expensive at $200 for the same
period.
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 Walker is Kemper
at $75 per month and $455
for six months.
Cheapest Full Coverage Car Insurance Quotes in Walker,
SD
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 Walker, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Walker, 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, Walker's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Walker
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Walker,SD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Walker at $38
per
month. At $213 for a six-month premium,
North Star Mutual Insurance offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Walker.
As young drivers face the highest rates in Walker, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Walker,
Farmers Mutual of Nebraska is
the cheapest car insurance provider. At $117 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
Walker is State Farm, offering
rates of around $3825 for six
months.
Save up to $971/yr on car insurance rates in Walker.
Car Insurance Rates with An Accident in Walker
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 Walker, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Walker
The cheapest car insurance companies after an at-fault accident in
Walker include Western National
and Kemper, offering $220
and $248,
respectively. North Star Mutual Insurance is an expensive provider
with an average six-month premium of
$358.
Here is a list of driving violations that can increase your car
insurance rates in Walker SD. For example, the car
insurance in Walker
after a DUI increases to $1005 for a six
month policy. While the rate increases by $192 for a six-month policy in the case of
a speeding ticket.
Walker auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1151
$191
One Med/PIP claim
$1151
$196
Not-at-fault accident
$1179
$196
Two Med/PIP claims
$1219
$208
One comp claim
$1226
$204
Failure to show documents
$1268
$216
Two comp claims
$1268
$211
Failure to wear a seat belt
$1303
$222
Child safety restraint
$1322
$220
Driving without lights
$1322
$225
Driving with expired registration
$1329
$222
Wrong way/wrong lane
$1329
$226
Cell phone violation
$1336
$223
Driving too slowly
$1336
$227
Texting while driving
$1336
$223
Failure to stop at a red light
$1343
$229
Failure to yield
$1343
$224
Following too closely
$1343
$229
Illegal turn
$1343
$224
Speeding 6 - 10 MPH over limit
$1343
$229
Improper passing
$1357
$226
Speeding 11 - 15 MPH over limit
$1364
$232
Speeding 16 - 20 MPH over limit
$1371
$229
Operating a vehicle without permission
$1406
$239
At-fault accident - less than $1000
$1420
$237
In 65 MPH zone
$1420
$241
Speeding in school zone
$1427
$238
Speeding 21 - 25 MPH over limit
$1460
$248
Passing school bus
$1523
$254
Open container
$1578
$268
At-fault accident - $1000-$2000
$1598
$267
At-fault accident - greater than $2000
$1598
$271
Driving with a suspended license
$1929
$321
Reckless driving
$1950
$332
Refusal to submit to a chemical test
$2060
$343
Racing
$2129
$362
DUI
$2156
$360
Leaving scene of an accident/hit and run
$2205
$375
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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 Walker 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 Walker.
The cheapest car insurance premiums in
Walker are
offered by Western National at $206 for a six-month policy.
However, it can be as
expensive as $3741 with companies
like North Star Mutual.
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 Walker are offered by Farmers Mutual of Nebraska
at $124. However,
it can be as expensive as $2039
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Walker after Speeding ticket
Car Insurance Price Trends in Walker,
South Dakota
Car insurance rates in Walker have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Walker remained steady at $191 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Walker remained steady at $35 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Walker. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Walker?
The car insurance in Walker is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Walker?
The cheapest car insurance in Walker
is $75 per month
for full coverage.
How much is car insurance in Walker for teenagers?
Car insurance for teenagers costs $227 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
Walker?
The average cost of car insurance is $845 for a six-month
policy. It will cost around $165 per month to insure your
car in Walker.
Is car insurance expensive in Walker?
Car insurance can be expensive in Walker if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Walker can be
affordable.
What is the best car insurance in Walker,
SD?
The best car insurance company in Walker
SD is
Kemper, offering $455 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Walker, SD
Car Insurance Rates by State in the USA (2025 Update)
Walker Car Insurance
