Cheap Car Insurance in Aberdeen, SD

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Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

Licensed Insurance Agent

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

UPDATED: Nov 27, 2023

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for cheap auto insurance in Aberdeen, SD? From AutoInsuranceEZ.com, you could get the lowest cost insurance rates close to you. To acquire free car insurance quotes offered by the best providers immediately, type in your local zip code into the quote box in this article.

Once home to the Sioux Indians, Aberdeen is located in the northeastern part of the state in the James River Valley. Like many settlements of the 19th century, Aberdeen can attribute most of its early growth and economic success to westward railroad expansion. Today it is home to two different universities and a diversified economy.

  • Fun fact: that was a nice trip…probably because Aberdeen is #27 on the list of “Top 100 cities with shortest commuting times (pop. 5,000+)”. Thinking of learning more about Aberdeen? Click here!

Auto Insurance Coverage Requirements in South Dakota

Driving legally in Aberdeen requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Many states, South Dakota included, require that every driver must carry Liability coverage in order to drive legally. But Liability only isn’t for every driver. For an accident that is not your fault, or an accident that requires medical attention, you will have to pay those costs 100% out of pocket.

Your typical South Dakota driver is probably dealing with at least $130 worth of insurance payments each month. However, savvy South Dakotans can save big and lower their rate to $25/mo* if they act fast! You can also learn more about affordable South Dakota auto insurance here.

Average Monthly Auto Insurance PremiumsLegend: Aberdeen State Farm Buckeye Unitrin Farmers Allstate 5101520253035$18$19$25$26$36

State Farm

Buckeye

Unitrin

Farmers

Allstate

5

10

15

20

25

30

35

$18

$19

$25

$26

$36

 

Right now, Aberdeen drivers can switch to State Farm or Buckeye if they want the lowest rate in their city. But low rates aren’t everything. Sometimes, you can get reliable service from an insurance company for a bargain price – and sometimes, you may need to pay a little extra.

Those that provide you with auto insurance plans evaluate different factors when determining quotes, including driving experience, zip code, occupation, miles driven each year, and current insurance coverage and limits. Also, premiums differ from one company to another. To find out if that you are still receiving the most affordable rate, compare cheap Aberdeen auto insurance rates online.

Enter your ZIP code below to compare auto insurance rates.

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Major Car Insurance Factors in Aberdeen

There are numerous ways in which your car insurance rate can be calculated. But not all of it is out of your control; there are steps you can take so that you can control which discounts you are entitled to obtain. Listed below are some of these elements in greater detail:

Your Zip Code

The spot where you park your car each night will probably have a serious influence on your car insurance rate. Typically, auto insurance is cheaper in non-urban locations because fewer vehicles means a reduced likelihood that you’ll get in an accident with some other car. The population of Aberdeen is 27,333 plus the general family earnings are $41,432.

Auto Insurance by Zip CodeLegend: Aberdeen Brookings Watertown Rapid City Sioux Falls State Farm Buckeye Unitrin Farmers Allstate 5101520253035$18$18$17$19$25$19$19$19$19$19$25$25$26$30$32$26$23$21$28$34$36$35$33$38$35

State Farm

Buckeye

Unitrin

Farmers

Allstate

5

10

15

20

25

30

35

$18

$18

$17

$19

$25

$19

$19

$19

$19

$19

$25

$25

$26

$30

$32

$26

$23

$21

$28

$34

$36

$35

$33

$38

$35

 

Automotive Accidents

Aberdeen is a fairly small town, and it has the accident statistics to reflect this. And anywhere with a low rate of serious accidents is bound to offer local drivers some pretty significant discounts. Talk to your insurance agent to find out more.

Fatal Accidents in Aberdeen, SDLegend: Aberdeen Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345612116

Fatal accident count

Vehicles involved in fatal crashes

Fatal crashes involving drunk persons

Fatalities

Persons involved in fatal crashes

Pedestrians involved in fatal accidents

1

2

3

4

5

6

1

2

1

1

6

 

Auto Thefts in Aberdeen

All insurance companies are worried regarding auto theft; this runs specifically true for car owners who reside in sizeable towns and cities. The greater the population, the higher the chance that you may have to submit an automobile burglary claim. In recent years, there were only 16 stolen cars in Aberdeen during 2013. This means you could save money by raising your Comprehensive coverage deductible, which pays out auto theft claims.

Basic vs. Comprehensive PolicyLegend: Basic Coverage Comprehensive Coverage State Farm Buckeye Unitrin Farmers Allstate 102030405060708090100110$18$67$19$111$25$89$26$104$36$114

State Farm

Buckeye

Unitrin

Farmers

Allstate

10

20

30

40

50

60

70

80

90

100

110

$18

$67

$19

$111

$25

$89

$26

$104

$36

$114

 

Your Credit Score

Like many things in life, your credit score will determine whether or not you can get a good deal on your automotive insurance premiums. On one end of the spectrum, companies like State Farm may charge you double the going rate if you have poor credit. Other companies, such as Unitrin, give drivers with poor credit a break and don’t alter prices based on your score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit State Farm Buckeye Unitrin Farmers Allstate 51015202530354045$15$33$18$29$25$25$24$35$32$47

State Farm

Buckeye

Unitrin

Farmers

Allstate

5

10

15

20

25

30

35

40

45

$15

$33

$18

$29

$25

$25

$24

$35

$32

$47

 

Your Age

It’s fairly well known that the younger you are, the more you will have to pay for your insurance premiums. Currently, Farmers is offering up the best deal for young drivers in Aberdeen, while Allstate’s rates are the highest. Perhaps a driver’s ed or Good Student discount could help alleviate costs for young drivers.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old State Farm Buckeye Unitrin Farmers Allstate 20406080100120140160180200$18$76$19$73$25$76$26$69$36$201

State Farm

Buckeye

Unitrin

Farmers

Allstate

20

40

60

80

100

120

140

160

180

200

$18

$76

$19

$73

$25

$76

$26

$69

$36

$201

 

Your Driving Record

Depending on the severity of your recent driving violations, you may have only a modest rate hike, or you may lose coverage completely. But if you shop around, you may find a provider willing to lower your rates thanks to an “accident forgiveness” discount.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Buckeye Unitrin Farmers Allstate 1020304050607080$18$20$20$21$19Do Not SellDo Not SellDo Not Sell$25$34$80$44$26$27$58$36$36$38$51$46

State Farm

Buckeye

Unitrin

Farmers

Allstate

10

20

30

40

50

60

70

80

$18

$20

$20

$21

$19

Do Not Sell

Do Not Sell

Do Not Sell

$25

$34

$80

$44

$26

$27

$58

$36

$36

$38

$51

$46

 

Your Vehicle

Older cars, used cars, and vehicles with a lower retail value won’t necessitate carrying robust coverages in high amounts, which explains why their insurance is so much cheaper. Luxury vehicles, on the other hand, require much more coverage – and in higher amounts, as well.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Buckeye Unitrin Farmers Allstate 153045607590105120135150165$18$88$19$122$25Do Not Sell$26$110$36$170

State Farm

Buckeye

Unitrin

Farmers

Allstate

15

30

45

60

75

90

105

120

135

150

165

$18

$88

$19

$122

$25

Do Not Sell

$26

$110

$36

$170

 

Minor Car Insurance Factors in Aberdeen

The factors listed above are much more likely to influence your monthly rate, and to a greater degree than the factors below:

Your Marital Status

Bundling auto policies between you and your spouse can drop your monthly premiums by a few percentage points. And you can save even more by bundling other policies, such as homeowner’s insurance.

Your Gender

It is very hard to say, with any sort of precision, whether or not men or women will pay more for insurance, all other factors being equal. Many companies don’t charge different rates based on gender at all these days.

Your Driving Distance to Work

As far as commuting around Aberdeen goes, the average trip tends to only last about 10 minutes, with some commutes as short as 11 and some as long as 14. A little bit more than 82% of residents will likely be getting around using their own automobile alone, while another 5-14% carpool. Less than 4% walk.

These days, insurance companies are willing to charge you less for driving fewer miles each year, or for only driving during off-peak traffic hours. But even if you dramatically slash your mileage or completely change your daily schedule, you’ll probably save no more than about 3-4%.

Your Coverage and Deductibles

There is an inverse relationship between your deductible and your monthly premium: the lower your deductible, the higher your payments, and vice versa. Raising your deductible will, therefore, lower your monthly rates – but if you have to file a claim, paying that elevated deductible could put you in a financial hard spot.

Education in Aberdeen, SD

Aberdeen is a well-off city when it comes to education. More than 30% of residents have successfully made it all the way through high school, and another 18% have gone on to earn a bachelor’s degree. And while having a higher education is nice on its own, it gets even nicer when your degree entitles you to cheaper rates on your auto insurance!

Aberdeen is home to not just one, but two colleges where students can earn a bachelor’s degree or higher. The first, Northern State University, is a public school which offers both graduate and bachelor’s degrees. It has been around since 1901 and boasts a low student-teacher ratio. Additionally, Presentation College is a private university which is closely affiliated with the Catholic Church. They have a renowned medical school and several satellite campuses throughout the state.

You shouldn’t allow an undesirable auto insurance agency persuade you into choosing an auto insurance policy which is not good for you. Yes, the total amount of information required in order to assess your own personal risk profile could be overwhelming, but comparison web sites like this may help make things much easier. Just enter a few factors below, and allow us to take it from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

South Dakota Department of Labor and Regulation – Division of Insurance

South Dakota Department of Labor and Regulation – Division of Banking

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.govhttps://www.census.gov/

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Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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