Cheapest Car Insurance Quotes in Watertown

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Watertown 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 Watertown

The car insurance rate in Watertown is $718 for a six-month policy, which is $127 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $333, making it a popular choice for budget-conscious drivers. Rates in Watertown 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 Watertown

$718

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Watertown

1st place: Kemper

At $333 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 $383 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 $439 for six months, making it the third cheapest auto insurance company in Watertown.

Watertown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Watertown, SD is Kemper, offering policies at just $333 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $383.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $955 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Watertown drivers find the best deals.

Cheap Car Insurance Companies in Watertown, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$55
Farmers Mutual of Nebraska	$383	$65
Auto-Owners Insurance Co	$439	$73
American Family	$586	$99
State Farm	$712	$120
Allstate	$828	$139
USAA	$833	$140
Auto-Owners	$848	$145
Farmers	$884	$149
Progressive	$893	$150
Nationwide	$929	$156
North Star Mutual	$955	$162

Key Takeaways

Way's key takeaways about car insurance in Watertown

The auto insurance costs in Watertown fall around $333 for six months.
The cheapest auto insurance company in Watertown is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Watertown at $26 per month.

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Cheapest Minimum Liability Car Insurance in Watertown

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 Watertown are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Watertown. Their Average 6 Month Premium is $91. North Star Mutual Insurance is the most expensive at $146 for the same period.

Cheapest Liability Coverage in Watertown, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$91	$15
Kemper	$116	$20
USAA	$116	$20
American Family	$122	$20
Auto-Owners	$131	$22
North Star Mutual	$131	$22
Auto-Owners Insurance Co	$136	$23
Progressive	$136	$23
State Farm	$136	$23
Farmers	$227	$38
Nationwide	$278	$47
Allstate	$298	$51
North Star Mutual Insurance	$146	$25

Cheapest Full Coverage Car Insurance in Watertown

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 Watertown is Kemper at $55 per month and $333 for six months.

Cheapest Full Coverage Car Insurance Quotes in Watertown, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$55
Farmers Mutual of Nebraska	$383	$65
Auto-Owners Insurance Co	$439	$73
American Family	$586	$99
State Farm	$712	$120
Allstate	$828	$139
USAA	$833	$140
Auto-Owners	$848	$145
Farmers	$884	$149
Progressive	$893	$150
Nationwide	$929	$156
North Star Mutual	$955	$162

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Average Car Insurance in Watertown 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 Watertown, SD increasing?

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

Car Insurance Premiums by Age in Watertown

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 Watertown,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Watertown at $28 per month. At $156 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	$167	$28
Auto-Owners Insurance Co	$177	$30
Farmers Mutual of Nebraska	$525	$88
State Farm	$1010	$170
USAA	$1070	$180
American Family	$1379	$232
Farmers	$1520	$256
Progressive	$1585	$267
North Star Mutual	$2020	$343
Auto-Owners	$2105	$351
Nationwide	$2762	$465
Allstate	$4337	$723
North Star Mutual Insurance	$156	$26

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 Watertown, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $86 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 Watertown is State Farm, offering rates of around $2802 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$86	$14
Western National	$151	$26
Iowa Farm Bureau	$202	$34
Kemper	$232	$39
American Family	$808	$136
Progressive	$859	$145
USAA	$1283	$213
North Star Mutual	$1580	$269
Farmers	$1585	$264
Nationwide	$1666	$283
State Farm	$2802	$467

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Car Insurance Rates with An Accident in Watertown

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

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

The cheapest car insurance companies after an at-fault accident in Watertown include Western National and Kemper, offering $162 and $182, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $263.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$162	$27
Kemper	$182	$31
Auto-Owners Insurance Co	$187	$31
Farmers Mutual of Nebraska	$379	$64
State Farm	$388	$65
USAA	$581	$98
Progressive	$611	$103
Auto-Owners	$626	$105
Farmers	$762	$128
American Family	$828	$139
Allstate	$1212	$202
Nationwide	$1590	$268
North Star Mutual	$1641	$274
North Star Mutual Insurance	$263	$45

Watertown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Watertown SD. For example, the car insurance in Watertown 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.

Watertown 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 Watertown 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 Watertown.

The cheapest car insurance premiums in Watertown are offered by Western National at $151 for a six-month policy. However, it can be as expensive as $2741 with companies like North Star Mutual.

Watertown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$151	$26
Farmers Mutual of Nebraska	$541	$91
State Farm	$560	$94
Progressive	$575	$97
Farmers	$833	$140
American Family	$909	$153
USAA	$1121	$189
Allstate	$1348	$224
Auto-Owners	$1369	$233
Nationwide	$2090	$352
North Star Mutual	$2741	$466

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 Watertown are offered by Farmers Mutual of Nebraska at $91. However, it can be as expensive as $1494 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Watertown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$91	$15
Kemper	$141	$24
Western National	$151	$26
Auto-Owners Insurance Co	$156	$26
State Farm	$263	$44
USAA	$394	$67
Progressive	$434	$73
North Star Mutual	$479	$82
American Family	$555	$94
Nationwide	$1272	$217
Farmers	$1494	$249

Car Insurance Price Trends in Watertown, South Dakota

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

The average cost of full coverage in the Watertown remained steady at $140 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Watertown remained steady at $26 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 Watertown?

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

What is the cheapest car insurance in Watertown?

The cheapest car insurance in Watertown is $55 per month for full coverage.

How much is car insurance in Watertown for teenagers?

Car insurance for teenagers costs $167 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 Watertown?

The average cost of car insurance is $845 for a six-month policy. It will cost around $121 per month to insure your car in Watertown.

Is car insurance expensive in Watertown?

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

What is the best car insurance in Watertown, SD?

The best car insurance company in Watertown SD is Kemper, offering $333 for a six-month policy.