Cheapest Car Insurance Quotes in Wanblee

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Wanblee Car Insurance

^$ 22

/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 Wanblee

The car insurance rate in Wanblee is $1022 for a six-month policy, which is $177 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $474, making it a popular choice for budget-conscious drivers. Rates in Wanblee 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 Wanblee

$1022

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Wanblee

1st place: Kemper

At $474 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 $546 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 $626 for six months, making it the third cheapest auto insurance company in Wanblee.

Wanblee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wanblee, SD is Kemper, offering policies at just $474 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $546.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1359 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wanblee drivers find the best deals.

Cheap Car Insurance Companies in Wanblee, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$474	$79
Farmers Mutual of Nebraska	$546	$92
Auto-Owners Insurance Co	$626	$104
American Family	$834	$140
State Farm	$1014	$171
Allstate	$1179	$198
USAA	$1186	$200
Auto-Owners	$1208	$206
Farmers	$1258	$212
Progressive	$1272	$214
Nationwide	$1323	$223
North Star Mutual	$1359	$231

Key Takeaways

Way's key takeaways about car insurance in Wanblee

The auto insurance costs in Wanblee fall around $474 for six months.
The cheapest auto insurance company in Wanblee is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Wanblee at $38 per month.

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Cheapest Minimum Liability Car Insurance in Wanblee

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 Wanblee are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Wanblee. Their Average 6 Month Premium is $129. North Star Mutual Insurance is the most expensive at $208 for the same period.

Cheapest Liability Coverage in Wanblee, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$129	$22
Kemper	$166	$28
USAA	$166	$28
American Family	$173	$29
Auto-Owners	$186	$31
North Star Mutual	$186	$31
Auto-Owners Insurance Co	$194	$33
Progressive	$194	$33
State Farm	$194	$33
Farmers	$323	$54
Nationwide	$396	$67
Allstate	$424	$73
North Star Mutual Insurance	$208	$35

Cheapest Full Coverage Car Insurance in Wanblee

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 Wanblee is Kemper at $79 per month and $474 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wanblee, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$474	$79
Farmers Mutual of Nebraska	$546	$92
Auto-Owners Insurance Co	$626	$104
American Family	$834	$140
State Farm	$1014	$171
Allstate	$1179	$198
USAA	$1186	$200
Auto-Owners	$1208	$206
Farmers	$1258	$212
Progressive	$1272	$214
Nationwide	$1323	$223
North Star Mutual	$1359	$231

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Average Car Insurance in Wanblee 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 Wanblee, SD increasing?

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

Car Insurance Premiums by Age in Wanblee

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 Wanblee,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Wanblee at $40 per month. At $223 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$237	$40
Auto-Owners Insurance Co	$252	$42
Farmers Mutual of Nebraska	$748	$126
State Farm	$1437	$242
USAA	$1523	$257
American Family	$1963	$330
Farmers	$2163	$364
Progressive	$2257	$380
North Star Mutual	$2875	$489
Auto-Owners	$2997	$500
Nationwide	$3931	$662
Allstate	$6173	$1029
North Star Mutual Insurance	$223	$38

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 Wanblee, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $122 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 Wanblee is State Farm, offering rates of around $3989 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$122	$21
Western National	$215	$36
Iowa Farm Bureau	$288	$48
Kemper	$330	$56
American Family	$1150	$194
Progressive	$1222	$206
USAA	$1826	$304
North Star Mutual	$2249	$382
Farmers	$2257	$376
Nationwide	$2372	$403
State Farm	$3989	$664

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Car Insurance Rates with An Accident in Wanblee

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

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

The cheapest car insurance companies after an at-fault accident in Wanblee include Western National and Kemper, offering $230 and $259, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $374.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$230	$39
Kemper	$259	$44
Auto-Owners Insurance Co	$266	$45
Farmers Mutual of Nebraska	$540	$91
State Farm	$553	$93
USAA	$826	$139
Progressive	$870	$146
Auto-Owners	$892	$150
Farmers	$1085	$183
American Family	$1179	$198
Allstate	$1725	$288
Nationwide	$2264	$381
North Star Mutual	$2337	$390
North Star Mutual Insurance	$374	$64

Wanblee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wanblee SD. For example, the car insurance in Wanblee after a DUI increases to $1049 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Wanblee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1200	$204
Not-at-fault accident	$1229	$204
Two Med/PIP claims	$1272	$217
One comp claim	$1279	$213
Failure to show documents	$1323	$225
Two comp claims	$1323	$220
Failure to wear a seat belt	$1359	$231
Child safety restraint	$1379	$230
Driving without lights	$1379	$235
Driving with expired registration	$1387	$231
Wrong way/wrong lane	$1387	$236
Cell phone violation	$1394	$232
Driving too slowly	$1394	$237
Texting while driving	$1394	$232
Failure to stop at a red light	$1401	$238
Failure to yield	$1401	$234
Following too closely	$1401	$238
Illegal turn	$1401	$234
Speeding 6 - 10 MPH over limit	$1401	$238
Improper passing	$1416	$236
Speeding 11 - 15 MPH over limit	$1423	$242
Speeding 16 - 20 MPH over limit	$1430	$238
Operating a vehicle without permission	$1467	$249
At-fault accident - less than $1000	$1481	$247
In 65 MPH zone	$1481	$252
Speeding in school zone	$1488	$248
Speeding 21 - 25 MPH over limit	$1523	$259
Passing school bus	$1589	$265
Open container	$1646	$280
At-fault accident - $1000-$2000	$1667	$278
At-fault accident - greater than $2000	$1667	$283
Driving with a suspended license	$2012	$335
Reckless driving	$2034	$346
Refusal to submit to a chemical test	$2149	$358
Racing	$2220	$378
DUI	$2249	$375
Leaving scene of an accident/hit and run	$2300	$391

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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 Wanblee 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 Wanblee.

The cheapest car insurance premiums in Wanblee are offered by Western National at $215 for a six-month policy. However, it can be as expensive as $3902 with companies like North Star Mutual.

Wanblee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$215	$36
Farmers Mutual of Nebraska	$770	$129
State Farm	$797	$134
Progressive	$819	$138
Farmers	$1186	$200
American Family	$1293	$218
USAA	$1596	$269
Allstate	$1919	$319
Auto-Owners	$1948	$332
Nationwide	$2975	$501
North Star Mutual	$3902	$663

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 Wanblee are offered by Farmers Mutual of Nebraska at $129. However, it can be as expensive as $2127 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wanblee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$129	$22
Kemper	$201	$34
Western National	$215	$36
Auto-Owners Insurance Co	$223	$38
State Farm	$374	$63
USAA	$560	$96
Progressive	$618	$104
North Star Mutual	$682	$116
American Family	$790	$133
Nationwide	$1811	$309
Farmers	$2127	$355

Car Insurance Price Trends in Wanblee, South Dakota

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

The average cost of full coverage in the Wanblee remained steady at $200 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Wanblee remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Wanblee?

The car insurance in Wanblee is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Wanblee?

The cheapest car insurance in Wanblee is $79 per month for full coverage.

How much is car insurance in Wanblee for teenagers?

Car insurance for teenagers costs $237 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 Wanblee?

The average cost of car insurance is $845 for a six-month policy. It will cost around $172 per month to insure your car in Wanblee.

Is car insurance expensive in Wanblee?

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

What is the best car insurance in Wanblee, SD?

The best car insurance company in Wanblee SD is Kemper, offering $474 for a six-month policy.