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Finding the cheapest car insurance quotes in Witten shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Witten
The car insurance rate in Witten is $879 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Witten 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.
At $408 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 $469 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 $538
for six months, making it
the third cheapest auto insurance company in Witten.
Witten Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Witten, SD is Kemper, offering policies at just $408 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $469.
At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1168 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Witten drivers find the best deals.
The auto insurance costs in Witten fall around $408 for six
months.
The cheapest auto insurance company in Witten is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Witten at $32 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Witten
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 Witten are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Witten. Their Average 6 Month Premium is $111.
North Star Mutual Insurance is the most
expensive at $179 for the same
period.
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 Witten is Kemper
at $68 per month and $408
for six months.
Cheapest Full Coverage Car Insurance Quotes in Witten,
SD
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 Witten, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Witten, 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, Witten's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Witten
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Witten,SD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Witten at $34
per
month. At $191 for a six-month premium,
North Star Mutual Insurance offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Witten.
As young drivers face the highest rates in Witten, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Witten,
Farmers Mutual of Nebraska is
the cheapest car insurance provider. At $105 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
Witten is State Farm, offering
rates of around $3429 for six
months.
Save up to $971/yr on car insurance rates in Witten.
Car Insurance Rates with An Accident in Witten
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 Witten, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Witten
The cheapest car insurance companies after an at-fault accident in
Witten include Western National
and Kemper, offering $198
and $223,
respectively. North Star Mutual Insurance is an expensive provider
with an average six-month premium of
$321.
Here is a list of driving violations that can increase your car
insurance rates in Witten SD. For example, the car
insurance in Witten
after a DUI increases to $901 for a six
month policy. While the rate increases by $172 for a six-month policy in the case of
a speeding ticket.
Witten auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1032
$172
One Med/PIP claim
$1032
$176
Not-at-fault accident
$1057
$176
Two Med/PIP claims
$1093
$186
One comp claim
$1099
$183
Failure to show documents
$1137
$193
Two comp claims
$1137
$189
Failure to wear a seat belt
$1168
$199
Child safety restraint
$1186
$198
Driving without lights
$1186
$202
Driving with expired registration
$1192
$199
Wrong way/wrong lane
$1192
$203
Cell phone violation
$1198
$200
Driving too slowly
$1198
$204
Texting while driving
$1198
$200
Failure to stop at a red light
$1204
$205
Failure to yield
$1204
$201
Following too closely
$1204
$205
Illegal turn
$1204
$201
Speeding 6 - 10 MPH over limit
$1204
$205
Improper passing
$1217
$203
Speeding 11 - 15 MPH over limit
$1223
$208
Speeding 16 - 20 MPH over limit
$1229
$205
Operating a vehicle without permission
$1260
$214
At-fault accident - less than $1000
$1273
$212
In 65 MPH zone
$1273
$216
Speeding in school zone
$1279
$213
Speeding 21 - 25 MPH over limit
$1309
$223
Passing school bus
$1366
$228
Open container
$1414
$240
At-fault accident - $1000-$2000
$1433
$239
At-fault accident - greater than $2000
$1433
$243
Driving with a suspended license
$1730
$288
Reckless driving
$1748
$297
Refusal to submit to a chemical test
$1847
$308
Racing
$1908
$324
DUI
$1933
$322
Leaving scene of an accident/hit and run
$1977
$336
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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 Witten 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 Witten.
The cheapest car insurance premiums in
Witten are
offered by Western National at $185 for a six-month policy.
However, it can be as
expensive as $3354 with companies
like North Star Mutual.
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 Witten are offered by Farmers Mutual of Nebraska
at $111. However,
it can be as expensive as $1828
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Witten after Speeding ticket
Car Insurance Price Trends in Witten,
South Dakota
Car insurance rates in Witten have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Witten remained steady at $172 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Witten remained steady at $31 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Witten. At $1757 for a
six-month policy, insuring
your car at 57584 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Witten?
The car insurance in Witten is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Witten?
The cheapest car insurance in Witten
is $68 per month
for full coverage.
How much is car insurance in Witten for teenagers?
Car insurance for teenagers costs $204 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
Witten?
The average cost of car insurance is $845 for a six-month
policy. It will cost around $148 per month to insure your
car in Witten.
Is car insurance expensive in Witten?
Car insurance can be expensive in Witten if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Witten can be
affordable.
What is the best car insurance in Witten,
SD?
The best car insurance company in Witten
SD is
Kemper, offering $408 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Witten, SD
Car Insurance Rates by State in the USA (2025 Update)
Witten Car Insurance
