Cheapest Car Insurance Quotes in Willow Lake

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Willow Lake Car Insurance

^$ 17

/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 Willow Lake

The car insurance rate in Willow Lake is $794 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Willow Lake 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 Willow Lake

$794

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Willow Lake

1st place: Kemper

At $368 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 $424 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 $486 for six months, making it the third cheapest auto insurance company in Willow Lake.

Willow Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Willow Lake, SD is Kemper, offering policies at just $368 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $424.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1056 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Willow Lake drivers find the best deals.

Cheap Car Insurance Companies in Willow Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$368	$61
Farmers Mutual of Nebraska	$424	$71
Auto-Owners Insurance Co	$486	$81
American Family	$648	$109
State Farm	$788	$133
Allstate	$916	$154
USAA	$921	$155
Auto-Owners	$938	$160
Farmers	$978	$165
Progressive	$988	$166
Nationwide	$1027	$173
North Star Mutual	$1056	$180

Key Takeaways

Way's key takeaways about car insurance in Willow Lake

The auto insurance costs in Willow Lake fall around $368 for six months.
The cheapest auto insurance company in Willow Lake is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Willow Lake at $29 per month.

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Cheapest Minimum Liability Car Insurance in Willow Lake

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 Willow Lake are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Willow Lake. Their Average 6 Month Premium is $101. North Star Mutual Insurance is the most expensive at $162 for the same period.

Cheapest Liability Coverage in Willow Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$101	$17
Kemper	$129	$22
USAA	$129	$22
American Family	$134	$23
Auto-Owners	$145	$24
North Star Mutual	$145	$24
Auto-Owners Insurance Co	$150	$25
Progressive	$150	$25
State Farm	$150	$25
Farmers	$251	$42
Nationwide	$307	$52
Allstate	$329	$56
North Star Mutual Insurance	$162	$27

Cheapest Full Coverage Car Insurance in Willow Lake

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 Willow Lake is Kemper at $61 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Willow Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$368	$61
Farmers Mutual of Nebraska	$424	$71
Auto-Owners Insurance Co	$486	$81
American Family	$648	$109
State Farm	$788	$133
Allstate	$916	$154
USAA	$921	$155
Auto-Owners	$938	$160
Farmers	$978	$165
Progressive	$988	$166
Nationwide	$1027	$173
North Star Mutual	$1056	$180

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Average Car Insurance in Willow Lake 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 Willow Lake, SD increasing?

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

Car Insurance Premiums by Age in Willow Lake

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 Willow Lake,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Willow Lake at $31 per month. At $173 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	$184	$31
Auto-Owners Insurance Co	$196	$33
Farmers Mutual of Nebraska	$581	$98
State Farm	$1117	$188
USAA	$1183	$199
American Family	$1525	$257
Farmers	$1681	$283
Progressive	$1753	$295
North Star Mutual	$2233	$380
Auto-Owners	$2328	$388
Nationwide	$3054	$514
Allstate	$4796	$799
North Star Mutual Insurance	$173	$29

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 Willow Lake, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $95 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 Willow Lake is State Farm, offering rates of around $3099 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$95	$16
Western National	$167	$28
Iowa Farm Bureau	$224	$38
Kemper	$257	$43
American Family	$893	$150
Progressive	$949	$160
USAA	$1418	$236
North Star Mutual	$1747	$297
Farmers	$1753	$292
Nationwide	$1842	$313
State Farm	$3099	$516

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Car Insurance Rates with An Accident in Willow Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Willow Lake

The cheapest car insurance companies after an at-fault accident in Willow Lake include Western National and Kemper, offering $179 and $201, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $290.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$179	$30
Kemper	$201	$34
Auto-Owners Insurance Co	$207	$35
Farmers Mutual of Nebraska	$419	$71
State Farm	$430	$72
USAA	$642	$108
Progressive	$676	$114
Auto-Owners	$693	$117
Farmers	$843	$142
American Family	$916	$154
Allstate	$1340	$224
Nationwide	$1759	$296
North Star Mutual	$1815	$303
North Star Mutual Insurance	$290	$50

Willow Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Willow Lake SD. For example, the car insurance in Willow Lake after a DUI increases to $815 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

Willow Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$932	$155
One Med/PIP claim	$932	$159
Not-at-fault accident	$955	$159
Two Med/PIP claims	$988	$168
One comp claim	$994	$165
Failure to show documents	$1027	$175
Two comp claims	$1027	$171
Failure to wear a seat belt	$1056	$180
Child safety restraint	$1072	$179
Driving without lights	$1072	$182
Driving with expired registration	$1077	$180
Wrong way/wrong lane	$1077	$183
Cell phone violation	$1083	$180
Driving too slowly	$1083	$184
Texting while driving	$1083	$180
Failure to stop at a red light	$1089	$185
Failure to yield	$1089	$181
Following too closely	$1089	$185
Illegal turn	$1089	$181
Speeding 6 - 10 MPH over limit	$1089	$185
Improper passing	$1100	$183
Speeding 11 - 15 MPH over limit	$1105	$188
Speeding 16 - 20 MPH over limit	$1111	$185
Operating a vehicle without permission	$1139	$194
At-fault accident - less than $1000	$1151	$192
In 65 MPH zone	$1151	$196
Speeding in school zone	$1156	$193
Speeding 21 - 25 MPH over limit	$1183	$201
Passing school bus	$1234	$206
Open container	$1278	$217
At-fault accident - $1000-$2000	$1295	$216
At-fault accident - greater than $2000	$1295	$220
Driving with a suspended license	$1563	$260
Reckless driving	$1580	$269
Refusal to submit to a chemical test	$1669	$278
Racing	$1725	$293
DUI	$1747	$291
Leaving scene of an accident/hit and run	$1787	$304

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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 Willow Lake 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 Willow Lake.

The cheapest car insurance premiums in Willow Lake are offered by Western National at $167 for a six-month policy. However, it can be as expensive as $3032 with companies like North Star Mutual.

Willow Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$167	$28
Farmers Mutual of Nebraska	$598	$101
State Farm	$619	$104
Progressive	$636	$107
Farmers	$921	$155
American Family	$1005	$169
USAA	$1240	$209
Allstate	$1491	$248
Auto-Owners	$1513	$258
Nationwide	$2311	$389
North Star Mutual	$3032	$515

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 Willow Lake are offered by Farmers Mutual of Nebraska at $101. However, it can be as expensive as $1653 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Willow Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$101	$17
Kemper	$156	$26
Western National	$167	$28
Auto-Owners Insurance Co	$173	$29
State Farm	$290	$49
USAA	$435	$74
Progressive	$480	$81
North Star Mutual	$530	$90
American Family	$614	$103
Nationwide	$1407	$240
Farmers	$1653	$275

Car Insurance Price Trends in Willow Lake, South Dakota

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

The average cost of full coverage in the Willow Lake remained steady at $155 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Willow Lake remained steady at $28 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 Willow Lake?

The car insurance in Willow Lake is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Willow Lake?

The cheapest car insurance in Willow Lake is $61 per month for full coverage.

How much is car insurance in Willow Lake for teenagers?

Car insurance for teenagers costs $184 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 Willow Lake?

The average cost of car insurance is $845 for a six-month policy. It will cost around $133 per month to insure your car in Willow Lake.

Is car insurance expensive in Willow Lake?

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

What is the best car insurance in Willow Lake, SD?

The best car insurance company in Willow Lake SD is Kemper, offering $368 for a six-month policy.