Cheapest Car Insurance Quotes in Yankton

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Yankton Car Insurance

^$ 15

/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 Yankton

The car insurance rate in Yankton is $849 for a six-month policy, which is $105 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $270, making it a popular choice for budget-conscious drivers. Rates in Yankton 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 Yankton

$849

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Yankton

1st place: American Family

At $270 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 $349 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 $433 for six months, making it the third cheapest auto insurance company in Yankton.

Yankton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Yankton, SD is American Family, offering policies at just $270 for a six-month term. This is followed by Kemper, which has an average six-month premium of $349.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1602 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Yankton drivers find the best deals.

Cheap Car Insurance Companies in Yankton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$270	$45
Kemper	$349	$60
Farmers Mutual of Nebraska	$433	$73
Auto-Owners Insurance Co	$460	$78
State Farm	$798	$134
Allstate	$867	$146
Progressive	$872	$147
USAA	$894	$150
Nationwide	$1020	$172
Auto-Owners	$1031	$174
Farmers	$1052	$177
North Star Mutual	$1401	$239
Farm Bureau	$1602	$267

Key Takeaways

Way's key takeaways about car insurance in Yankton

The auto insurance costs in Yankton fall around $270 for six months.
The cheapest auto insurance company in Yankton is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Yankton at $509 per month.

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Cheapest Minimum Liability Car Insurance in Yankton

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 Yankton are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Yankton. Their Average 6 Month Premium is $90. Farmers is the most expensive at $333 for the same period.

Cheapest Liability Coverage in Yankton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$90	$15
American Family	$106	$18
Kemper	$122	$20
USAA	$127	$21
Progressive	$133	$22
Auto-Owners Insurance Co	$142	$24
State Farm	$148	$25
North Star Mutual	$158	$27
Auto-Owners	$164	$28
North Star Mutual Insurance	$190	$32
Farm Bureau	$222	$37
Nationwide	$286	$48
Allstate	$312	$53
Farmers	$333	$57

Cheapest Full Coverage Car Insurance in Yankton

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 Yankton is American Family at $45 per month and $270 for six months.

Cheapest Full Coverage Car Insurance Quotes in Yankton, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$270	$45
Kemper	$349	$60
Farmers Mutual of Nebraska	$433	$73
Auto-Owners Insurance Co	$460	$78
State Farm	$798	$134
Allstate	$867	$146
Progressive	$872	$147
USAA	$894	$150
Nationwide	$1020	$172
Auto-Owners	$1031	$174
Farmers	$1052	$177
North Star Mutual	$1401	$239
Farm Bureau	$1602	$267

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Average Car Insurance in Yankton 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 Yankton, SD increasing?

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

Car Insurance Premiums by Age in Yankton

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 Yankton,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Yankton at $23 per month. At $3055 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$137	$23
North Star Mutual Insurance	$169	$28
Kemper	$174	$29
Auto-Owners Insurance Co	$185	$31
Farmers Mutual of Nebraska	$682	$115
USAA	$1194	$201
State Farm	$1210	$204
Progressive	$1543	$260
North Star Mutual	$1808	$302
Auto-Owners	$2553	$430
Nationwide	$2987	$503
Farm Bureau	$3045	$518
Allstate	$4541	$757
Farmers	$3055	$509

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 Yankton, American Family is the cheapest car insurance provider. At $122 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 Yankton is Farmers, offering rates of around $1660 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$122	$20
Western National	$158	$27
Iowa Farm Bureau	$212	$36
Kemper	$243	$41
Farmers Mutual of Nebraska	$428	$72
Progressive	$656	$110
USAA	$1501	$255
Nationwide	$1919	$320
North Star Mutual	$2326	$395
Farm Bureau	$3003	$500
Auto-Owners	$3621	$616
State Farm	$4404	$734
Farmers	$1660	$282

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Car Insurance Rates with An Accident in Yankton

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

Cheapest Car Insurance Companies after an At-Fault Accident in Yankton

The cheapest car insurance companies after an at-fault accident in Yankton include American Family and Western National, offering $148 and $169, respectively. Farmers is an expensive provider with an average six-month premium of $1422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Western National	$169	$28
Kemper	$190	$32
Auto-Owners Insurance Co	$196	$33
North Star Mutual Insurance	$291	$48
State Farm	$455	$77
Farmers Mutual of Nebraska	$491	$83
Progressive	$608	$102
USAA	$640	$108
Auto-Owners	$978	$165
Allstate	$1269	$212
Nationwide	$1755	$295
North Star Mutual	$2422	$403
Farm Bureau	$2458	$418
Farmers	$1422	$242

Yankton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Yankton SD. For example, the car insurance in Yankton after a DUI increases to $772 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Yankton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$883	$147
One Med/PIP claim	$883	$150
Not-at-fault accident	$904	$150
Two Med/PIP claims	$935	$159
One comp claim	$941	$157
Failure to show documents	$973	$166
Two comp claims	$973	$162
Failure to wear a seat belt	$999	$170
Child safety restraint	$1015	$169
Driving without lights	$1015	$173
Driving with expired registration	$1020	$170
Wrong way/wrong lane	$1020	$174
Cell phone violation	$1025	$171
Driving too slowly	$1025	$174
Texting while driving	$1025	$171
Failure to stop at a red light	$1031	$175
Failure to yield	$1031	$172
Following too closely	$1031	$175
Illegal turn	$1031	$172
Speeding 6 - 10 MPH over limit	$1031	$175
Improper passing	$1041	$174
Speeding 11 - 15 MPH over limit	$1047	$178
Speeding 16 - 20 MPH over limit	$1052	$175
Operating a vehicle without permission	$1079	$183
At-fault accident - less than $1000	$1089	$182
In 65 MPH zone	$1089	$185
Speeding in school zone	$1095	$182
Speeding 21 - 25 MPH over limit	$1121	$190
Passing school bus	$1169	$195
Open container	$1210	$206
At-fault accident - $1000-$2000	$1226	$205
At-fault accident - greater than $2000	$1226	$208
Driving with a suspended license	$1480	$247
Reckless driving	$1496	$255
Refusal to submit to a chemical test	$1581	$263
Racing	$1633	$278
DUI	$1655	$276
Leaving scene of an accident/hit and run	$1692	$287

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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 Yankton 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 Yankton.

The cheapest car insurance premiums in Yankton are offered by American Family at $142 for a six-month policy. However, it can be as expensive as $1496 with companies like Farmers.

Yankton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Western National	$158	$27
Progressive	$561	$94
Farmers Mutual of Nebraska	$703	$118
State Farm	$703	$118
USAA	$1237	$208
Auto-Owners	$1327	$223
Allstate	$1412	$240
Nationwide	$2316	$390
Farm Bureau	$3389	$576
North Star Mutual	$4044	$674
Farmers	$1496	$249

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 Yankton are offered by American Family at $142. However, it can be as expensive as $1565 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Yankton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$142	$24
Kemper	$148	$25
Western National	$158	$27
Auto-Owners Insurance Co	$164	$28
Farmers Mutual of Nebraska	$243	$41
Progressive	$328	$55
State Farm	$328	$55
North Star Mutual	$417	$71
USAA	$518	$86
Auto-Owners	$946	$161
Farm Bureau	$1036	$173
Nationwide	$1258	$214
Farmers	$1565	$261

Car Insurance Price Trends in Yankton, South Dakota

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

The average cost of full coverage in the Yankton rose by $150 in January compared to $148 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 Yankton remained steady at $27 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 Yankton?

The car insurance in Yankton is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Yankton?

The cheapest car insurance in Yankton is $45 per month for full coverage.

How much is car insurance in Yankton for teenagers?

Car insurance for teenagers costs $137 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 Yankton?

The average cost of car insurance is $954 for a six-month policy. It will cost around $142 per month to insure your car in Yankton.

Is car insurance expensive in Yankton?

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

What is the best car insurance in Yankton, SD?

The best car insurance company in Yankton SD is American Family, offering $270 for a six-month policy.