Cheapest Car Insurance Quotes in White River

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White River 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 White River

The car insurance rate in White River is $1014 for a six-month policy, which is $169 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, making it a popular choice for budget-conscious drivers. Rates in White River 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 White River

$1014

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in White River

1st place: Kemper

At $470 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 $541 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 $620 for six months, making it the third cheapest auto insurance company in White River.

White River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White River, SD is Kemper, offering policies at just $470 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $541.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White River drivers find the best deals.

Cheap Car Insurance Companies in White River, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$470	$78
Farmers Mutual of Nebraska	$541	$91
Auto-Owners Insurance Co	$620	$103
American Family	$827	$139
State Farm	$1006	$169
Allstate	$1169	$197
USAA	$1176	$198
Auto-Owners	$1198	$204
Farmers	$1248	$210
Progressive	$1261	$212
Nationwide	$1312	$221
North Star Mutual	$1348	$229

Key Takeaways

Way's key takeaways about car insurance in White River

The auto insurance costs in White River fall around $470 for six months.
The cheapest auto insurance company in White River is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in White River at $37 per month.

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Cheapest Minimum Liability Car Insurance in White River

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 White River are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in White River. Their Average 6 Month Premium is $128. North Star Mutual Insurance is the most expensive at $206 for the same period.

Cheapest Liability Coverage in White River, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$128	$22
Kemper	$164	$28
USAA	$164	$28
American Family	$172	$29
Auto-Owners	$185	$31
North Star Mutual	$185	$31
Auto-Owners Insurance Co	$192	$32
Progressive	$192	$32
State Farm	$192	$32
Farmers	$320	$54
Nationwide	$392	$66
Allstate	$420	$72
North Star Mutual Insurance	$206	$35

Cheapest Full Coverage Car Insurance in White River

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 White River is Kemper at $78 per month and $470 for six months.

Cheapest Full Coverage Car Insurance Quotes in White River, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$470	$78
Farmers Mutual of Nebraska	$541	$91
Auto-Owners Insurance Co	$620	$103
American Family	$827	$139
State Farm	$1006	$169
Allstate	$1169	$197
USAA	$1176	$198
Auto-Owners	$1198	$204
Farmers	$1248	$210
Progressive	$1261	$212
Nationwide	$1312	$221
North Star Mutual	$1348	$229

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Average Car Insurance in White River 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 White River, SD increasing?

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

Car Insurance Premiums by Age in White River

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 White River,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the White River at $40 per month. At $221 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	$235	$40
Auto-Owners Insurance Co	$250	$42
Farmers Mutual of Nebraska	$742	$125
State Farm	$1426	$240
USAA	$1511	$254
American Family	$1946	$328
Farmers	$2146	$361
Progressive	$2238	$377
North Star Mutual	$2851	$485
Auto-Owners	$2972	$496
Nationwide	$3899	$656
Allstate	$6122	$1020
North Star Mutual Insurance	$221	$37

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 White River, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $121 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 White River is State Farm, offering rates of around $3956 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$121	$20
Western National	$214	$36
Iowa Farm Bureau	$286	$48
Kemper	$328	$55
American Family	$1140	$192
Progressive	$1212	$204
USAA	$1811	$301
North Star Mutual	$2231	$379
Farmers	$2238	$373
Nationwide	$2352	$400
State Farm	$3956	$659

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Car Insurance Rates with An Accident in White River

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

Cheapest Car Insurance Companies after an At-Fault Accident in White River

The cheapest car insurance companies after an at-fault accident in White River include Western National and Kemper, offering $228 and $257, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $371.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$228	$38
Kemper	$257	$43
Auto-Owners Insurance Co	$264	$44
Farmers Mutual of Nebraska	$535	$90
State Farm	$548	$92
USAA	$820	$138
Progressive	$863	$145
Auto-Owners	$884	$149
Farmers	$1076	$181
American Family	$1169	$197
Allstate	$1711	$286
Nationwide	$2245	$378
North Star Mutual	$2317	$386
North Star Mutual Insurance	$371	$64

White River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White River SD. For example, the car insurance in White River after a DUI increases to $1041 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

White River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1190	$198
One Med/PIP claim	$1190	$203
Not-at-fault accident	$1219	$203
Two Med/PIP claims	$1261	$215
One comp claim	$1268	$211
Failure to show documents	$1312	$223
Two comp claims	$1312	$218
Failure to wear a seat belt	$1348	$229
Child safety restraint	$1368	$228
Driving without lights	$1368	$233
Driving with expired registration	$1375	$229
Wrong way/wrong lane	$1375	$234
Cell phone violation	$1382	$230
Driving too slowly	$1382	$235
Texting while driving	$1382	$230
Failure to stop at a red light	$1390	$236
Failure to yield	$1390	$232
Following too closely	$1390	$236
Illegal turn	$1390	$232
Speeding 6 - 10 MPH over limit	$1390	$236
Improper passing	$1404	$234
Speeding 11 - 15 MPH over limit	$1411	$240
Speeding 16 - 20 MPH over limit	$1418	$236
Operating a vehicle without permission	$1454	$247
At-fault accident - less than $1000	$1469	$245
In 65 MPH zone	$1469	$250
Speeding in school zone	$1476	$246
Speeding 21 - 25 MPH over limit	$1511	$257
Passing school bus	$1576	$263
Open container	$1632	$277
At-fault accident - $1000-$2000	$1654	$276
At-fault accident - greater than $2000	$1654	$281
Driving with a suspended license	$1996	$332
Reckless driving	$2017	$343
Refusal to submit to a chemical test	$2131	$355
Racing	$2202	$374
DUI	$2231	$372
Leaving scene of an accident/hit and run	$2281	$388

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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 White River 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 White River.

The cheapest car insurance premiums in White River are offered by Western National at $214 for a six-month policy. However, it can be as expensive as $3870 with companies like North Star Mutual.

White River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$214	$36
Farmers Mutual of Nebraska	$763	$128
State Farm	$791	$133
Progressive	$812	$137
Farmers	$1176	$198
American Family	$1283	$216
USAA	$1583	$266
Allstate	$1903	$317
Auto-Owners	$1932	$329
Nationwide	$2951	$497
North Star Mutual	$3870	$658

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 White River are offered by Farmers Mutual of Nebraska at $128. However, it can be as expensive as $2110 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in White River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$128	$22
Kemper	$199	$34
Western National	$214	$36
Auto-Owners Insurance Co	$221	$37
State Farm	$371	$62
USAA	$556	$95
Progressive	$613	$103
North Star Mutual	$677	$115
American Family	$784	$132
Nationwide	$1796	$306
Farmers	$2110	$352

Car Insurance Price Trends in White River, South Dakota

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

The average cost of full coverage in the White River remained steady at $198 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the White River 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 White River?

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

What is the cheapest car insurance in White River?

The cheapest car insurance in White River is $78 per month for full coverage.

How much is car insurance in White River for teenagers?

Car insurance for teenagers costs $235 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 White River?

The average cost of car insurance is $845 for a six-month policy. It will cost around $170 per month to insure your car in White River.

Is car insurance expensive in White River?

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

What is the best car insurance in White River, SD?

The best car insurance company in White River SD is Kemper, offering $470 for a six-month policy.