Cheapest Car Insurance Quotes in Willow Lake

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Willow Lake Car Insurance

^$ 16

/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 $878 for a six-month policy, which is $76 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $279, 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

$878

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Willow Lake

1st place: American Family

At $279 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 $361 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 $448 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 American Family, offering policies at just $279 for a six-month term. This is followed by Kemper, which has an average six-month premium of $361.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1656 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
American Family	$279	$46
Kemper	$361	$62
Farmers Mutual of Nebraska	$448	$75
Auto-Owners Insurance Co	$476	$81
State Farm	$825	$139
Allstate	$896	$151
Progressive	$902	$152
USAA	$924	$155
Nationwide	$1054	$178
Auto-Owners	$1065	$179
Farmers	$1087	$183
North Star Mutual	$1448	$247
Farm Bureau	$1656	$276

Key Takeaways

Way's key takeaways about car insurance in Willow Lake

The auto insurance costs in Willow Lake fall around $279 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 $526 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 $93. Farmers is the most expensive at $344 for the same period.

Cheapest Liability Coverage in Willow Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$93	$16
American Family	$109	$18
Kemper	$126	$21
USAA	$132	$22
Progressive	$137	$23
Auto-Owners Insurance Co	$147	$25
State Farm	$153	$26
North Star Mutual	$164	$28
Auto-Owners	$169	$29
North Star Mutual Insurance	$197	$33
Farm Bureau	$229	$39
Nationwide	$295	$50
Allstate	$322	$55
Farmers	$344	$59

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 American Family at $46 per month and $279 for six months.

Cheapest Full Coverage Car Insurance Quotes in Willow Lake, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$279	$46
Kemper	$361	$62
Farmers Mutual of Nebraska	$448	$75
Auto-Owners Insurance Co	$476	$81
State Farm	$825	$139
Allstate	$896	$151
Progressive	$902	$152
USAA	$924	$155
Nationwide	$1054	$178
Auto-Owners	$1065	$179
Farmers	$1087	$183
North Star Mutual	$1448	$247
Farm Bureau	$1656	$276

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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, American Family provides the cheapest car insurance in the Willow Lake at $24 per month. At $3158 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
North Star Mutual Insurance	$175	$29
Kemper	$180	$30
Auto-Owners Insurance Co	$191	$32
Farmers Mutual of Nebraska	$705	$119
USAA	$1235	$208
State Farm	$1251	$211
Progressive	$1595	$269
North Star Mutual	$1869	$312
Auto-Owners	$2639	$444
Nationwide	$3088	$520
Farm Bureau	$3147	$535
Allstate	$4694	$782
Farmers	$3158	$526

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, American Family is the cheapest car insurance provider. At $126 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 Farmers, offering rates of around $1716 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$126	$21
Western National	$164	$28
Iowa Farm Bureau	$219	$37
Kemper	$251	$42
Farmers Mutual of Nebraska	$443	$75
Progressive	$678	$114
USAA	$1552	$264
Nationwide	$1984	$330
North Star Mutual	$2405	$408
Farm Bureau	$3104	$517
Auto-Owners	$3743	$637
State Farm	$4552	$759
Farmers	$1716	$292

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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 American Family and Western National, offering $153 and $175, respectively. Farmers is an expensive provider with an average six-month premium of $1470.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$153	$26
Western National	$175	$29
Kemper	$197	$33
Auto-Owners Insurance Co	$202	$34
North Star Mutual Insurance	$301	$50
State Farm	$470	$79
Farmers Mutual of Nebraska	$508	$86
Progressive	$628	$106
USAA	$661	$111
Auto-Owners	$1011	$170
Allstate	$1312	$219
Nationwide	$1814	$305
North Star Mutual	$2503	$417
Farm Bureau	$2541	$432
Farmers	$1470	$250

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 $797 for a six month policy. While the rate increases by $152 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	$913	$152
One Med/PIP claim	$913	$155
Not-at-fault accident	$935	$155
Two Med/PIP claims	$967	$165
One comp claim	$972	$162
Failure to show documents	$1006	$171
Two comp claims	$1006	$167
Failure to wear a seat belt	$1033	$176
Child safety restraint	$1049	$175
Driving without lights	$1049	$178
Driving with expired registration	$1054	$176
Wrong way/wrong lane	$1054	$179
Cell phone violation	$1060	$177
Driving too slowly	$1060	$180
Texting while driving	$1060	$177
Failure to stop at a red light	$1065	$181
Failure to yield	$1065	$178
Following too closely	$1065	$181
Illegal turn	$1065	$178
Speeding 6 - 10 MPH over limit	$1065	$181
Improper passing	$1076	$179
Speeding 11 - 15 MPH over limit	$1082	$184
Speeding 16 - 20 MPH over limit	$1087	$181
Operating a vehicle without permission	$1115	$190
At-fault accident - less than $1000	$1126	$188
In 65 MPH zone	$1126	$191
Speeding in school zone	$1132	$189
Speeding 21 - 25 MPH over limit	$1158	$197
Passing school bus	$1208	$201
Open container	$1251	$213
At-fault accident - $1000-$2000	$1268	$212
At-fault accident - greater than $2000	$1268	$215
Driving with a suspended license	$1530	$255
Reckless driving	$1547	$263
Refusal to submit to a chemical test	$1634	$272
Racing	$1688	$287
DUI	$1710	$285
Leaving scene of an accident/hit and run	$1749	$297

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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 American Family at $147 for a six-month policy. However, it can be as expensive as $1547 with companies like Farmers.

Willow Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$147	$25
Western National	$164	$28
Progressive	$580	$98
Farmers Mutual of Nebraska	$727	$122
State Farm	$727	$122
USAA	$1279	$215
Auto-Owners	$1372	$231
Allstate	$1459	$248
Nationwide	$2394	$403
Farm Bureau	$3503	$595
North Star Mutual	$4180	$696
Farmers	$1547	$258

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 American Family at $147. However, it can be as expensive as $1617 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
American Family	$147	$25
Kemper	$153	$26
Western National	$164	$28
Auto-Owners Insurance Co	$169	$29
Farmers Mutual of Nebraska	$251	$42
Progressive	$339	$57
State Farm	$339	$57
North Star Mutual	$431	$74
USAA	$535	$89
Auto-Owners	$978	$167
Farm Bureau	$1071	$178
Nationwide	$1301	$221
Farmers	$1617	$270

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 rose by $155 in January compared to $153 of December. In other words, there has been an increase by $2 when you compare January and December.

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

The car insurance in Willow Lake is $16 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 $46 per month for full coverage.

How much is car insurance in Willow Lake for teenagers?

Car insurance for teenagers costs $142 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 $954 for a six-month policy. It will cost around $147 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 American Family, offering $279 for a six-month policy.