Cheapest Car Insurance Quotes in Watertown

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Watertown Car Insurance

^$ 14

/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 $782 for a six-month policy, which is $172 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $248, 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

$782

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Watertown

1st place: American Family

At $248 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 $321 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 $399 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 American Family, offering policies at just $248 for a six-month term. This is followed by Kemper, which has an average six-month premium of $321.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1476 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
American Family	$248	$41
Kemper	$321	$55
Farmers Mutual of Nebraska	$399	$67
Auto-Owners Insurance Co	$424	$72
State Farm	$736	$124
Allstate	$799	$134
Progressive	$804	$135
USAA	$823	$139
Nationwide	$940	$158
Auto-Owners	$950	$160
Farmers	$969	$163
North Star Mutual	$1291	$220
Farm Bureau	$1476	$246

Key Takeaways

Way's key takeaways about car insurance in Watertown

The auto insurance costs in Watertown fall around $248 for six months.
The cheapest auto insurance company in Watertown is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Watertown at $469 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 $83. Farmers is the most expensive at $307 for the same period.

Cheapest Liability Coverage in Watertown, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$83	$14
American Family	$98	$16
Kemper	$112	$19
USAA	$117	$20
Progressive	$122	$21
Auto-Owners Insurance Co	$131	$22
State Farm	$136	$23
North Star Mutual	$146	$25
Auto-Owners	$151	$25
North Star Mutual Insurance	$175	$30
Farm Bureau	$204	$34
Nationwide	$263	$44
Allstate	$287	$49
Farmers	$307	$52

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 American Family at $41 per month and $248 for six months.

Cheapest Full Coverage Car Insurance Quotes in Watertown, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$41
Kemper	$321	$55
Farmers Mutual of Nebraska	$399	$67
Auto-Owners Insurance Co	$424	$72
State Farm	$736	$124
Allstate	$799	$134
Progressive	$804	$135
USAA	$823	$139
Nationwide	$940	$158
Auto-Owners	$950	$160
Farmers	$969	$163
North Star Mutual	$1291	$220
Farm Bureau	$1476	$246

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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, American Family provides the cheapest car insurance in the Watertown at $21 per month. At $2815 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$126	$21
North Star Mutual Insurance	$156	$26
Kemper	$161	$27
Auto-Owners Insurance Co	$171	$29
Farmers Mutual of Nebraska	$628	$106
USAA	$1100	$185
State Farm	$1115	$188
Progressive	$1422	$239
North Star Mutual	$1665	$278
Auto-Owners	$2353	$396
Nationwide	$2752	$463
Farm Bureau	$2805	$477
Allstate	$4184	$697
Farmers	$2815	$469

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, American Family is the cheapest car insurance provider. At $112 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 Farmers, offering rates of around $1529 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$112	$19
Western National	$146	$25
Iowa Farm Bureau	$195	$33
Kemper	$224	$38
Farmers Mutual of Nebraska	$394	$66
Progressive	$604	$102
USAA	$1383	$235
Nationwide	$1768	$294
North Star Mutual	$2143	$364
Farm Bureau	$2767	$461
Auto-Owners	$3337	$567
State Farm	$4057	$677
Farmers	$1529	$260

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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 American Family and Western National, offering $136 and $156, respectively. Farmers is an expensive provider with an average six-month premium of $1310.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
Western National	$156	$26
Kemper	$175	$30
Auto-Owners Insurance Co	$180	$30
North Star Mutual Insurance	$268	$44
State Farm	$419	$71
Farmers Mutual of Nebraska	$453	$76
Progressive	$560	$94
USAA	$590	$99
Auto-Owners	$901	$152
Allstate	$1169	$195
Nationwide	$1617	$272
North Star Mutual	$2231	$371
Farm Bureau	$2265	$385
Farmers	$1310	$223

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 $711 for a six month policy. While the rate increases by $137 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	$813	$135
One Med/PIP claim	$813	$139
Not-at-fault accident	$833	$139
Two Med/PIP claims	$862	$147
One comp claim	$867	$144
Failure to show documents	$896	$153
Two comp claims	$896	$149
Failure to wear a seat belt	$921	$157
Child safety restraint	$935	$156
Driving without lights	$935	$159
Driving with expired registration	$940	$157
Wrong way/wrong lane	$940	$160
Cell phone violation	$945	$157
Driving too slowly	$945	$161
Texting while driving	$945	$157
Failure to stop at a red light	$950	$162
Failure to yield	$950	$158
Following too closely	$950	$162
Illegal turn	$950	$158
Speeding 6 - 10 MPH over limit	$950	$162
Improper passing	$959	$160
Speeding 11 - 15 MPH over limit	$964	$164
Speeding 16 - 20 MPH over limit	$969	$162
Operating a vehicle without permission	$994	$169
At-fault accident - less than $1000	$1004	$167
In 65 MPH zone	$1004	$171
Speeding in school zone	$1009	$168
Speeding 21 - 25 MPH over limit	$1032	$175
Passing school bus	$1077	$180
Open container	$1115	$189
At-fault accident - $1000-$2000	$1130	$189
At-fault accident - greater than $2000	$1130	$192
Driving with a suspended license	$1364	$227
Reckless driving	$1378	$235
Refusal to submit to a chemical test	$1456	$243
Racing	$1505	$256
DUI	$1524	$254
Leaving scene of an accident/hit and run	$1559	$265

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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 American Family at $131 for a six-month policy. However, it can be as expensive as $1378 with companies like Farmers.

Watertown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$131	$22
Western National	$146	$25
Progressive	$517	$87
Farmers Mutual of Nebraska	$648	$109
State Farm	$648	$109
USAA	$1140	$192
Auto-Owners	$1223	$206
Allstate	$1301	$221
Nationwide	$2134	$359
Farm Bureau	$3123	$531
North Star Mutual	$3726	$621
Farmers	$1378	$230

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 American Family at $131. However, it can be as expensive as $1442 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
American Family	$131	$22
Kemper	$136	$23
Western National	$146	$25
Auto-Owners Insurance Co	$151	$25
Farmers Mutual of Nebraska	$224	$38
Progressive	$302	$51
State Farm	$302	$51
North Star Mutual	$385	$66
USAA	$477	$80
Auto-Owners	$872	$148
Farm Bureau	$954	$159
Nationwide	$1159	$197
Farmers	$1442	$240

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 rose by $139 in January compared to $136 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 Watertown remained steady at $25 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 Watertown?

The car insurance in Watertown is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Watertown?

The cheapest car insurance in Watertown is $41 per month for full coverage.

How much is car insurance in Watertown for teenagers?

Car insurance for teenagers costs $126 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 $954 for a six-month policy. It will cost around $131 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 American Family, offering $248 for a six-month policy.