Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Cheap Car Insurance in Brookings, SD

Looking for cheap auto insurance in Brookings, SD? From, you will discover the best insurance policy near you. To get free car insurance prices from the top providers now, enter your postal code into the quote box in this article.

Originally inhabited by the Mound Boulders, Brookings was named after the pioneer founder who settled the territory back in the latter half of the 19th century. Much of the city’s early growth can be attributed to railroad construction during the westward expansion of the US territories. Today, Brookings is well-known as the home of South Dakota State University.

  • Fun fact: That was quick! Because Brookings is #63 on the list of “Top 100 cities with shortest commuting times (pop. 5,000+)”. Interested in learning more about Brookings? Click here!

Auto Insurance Coverage Requirements in South Dakota

Driving legally in Brookings requires:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability25,00050,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Be careful before deciding to carry only the state mandated bare minimum coverage. Liability only covers you in the event of an accident which you cause. If someone else is deemed at fault, if there are medical bills, or if your car gets stolen, your insurance company won’t pay out a dime.

Some drivers in South Dakota are riding around right now with a monthly payment of $130 or higher – ouch! Luckily, Brookings residents can take advantage of deals right now that could shrink their payments to $24/mo* or lower!

Average Monthly Auto Insurance Premiums Legend: Brookings State Farm Buckeye Unitrin Farmers Allstate 5 10 15 20 25 30 35 $18 $19 $25 $23 $35


Between State Farm and Buckeye, it’s hard to find another insurance company in Brookings who is working harder to attract your business. Bur remember, low rates aren’t everything. Customer service and claim payouts may also influence which company you choose to do business with.

Those that supply South Dakota auto insurance policies evaluate numerous factors while determining insurance rates, among them driving experience, zip code, occupation, driving distance to work, and current insurance coverage and limits. Furthermore, premiums differ from business to business. To find out if that you are still being charged the cheapest premium, evaluate cheap Brookings auto insurance prices over the internet.

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Major Car Insurance Factors in Brookings

The moment your auto insurance provider prepares to come up with your insurance plan, they take many issues into account. A few of these, such as credit history or your precise location, are usually not possible to improve. Here are a few other examples:

Your Zip Code

The place you park your vehicle nightly will probably have a serious impact on your car insurance rate. Usually, car insurance is cheaper in outlying areas simply because fewer vehicles means a reduced chance that you’re going to get in an accident with some other car. The populace of Brookings is 22,943 plus the normal family income is $40,716.

Auto Insurance by Zip Code Legend: Aberdeen Brookings Watertown Rapid City Sioux Falls 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

You’d think that, for such a little town, Brookings wouldn’t have very many serious accidents. Fortunately, you would be right for thinking so. And here’s another bit of good news: insurance providers automatically offer lower rates in areas where traffic accidents don’t happen very often.

Fatal Accidents in Brookings, SD Legend: Brookings 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 1 2 1 2 3


Auto Thefts in Brookings

Virtually all insurance companies have concerns when it comes to auto theft; this runs specifically true for individuals who reside in larger metropolitan areas. The larger the population, the better the possibility you will have to submit an automobile burglary claim. In recent years, there were only 6 cars stolen cars in Brookings. That’s a 300% increase from the last time an automobile was stolen in 2010. Yet, on a per capita basis, auto thefts are still low in your area. This means that most Brookings residents probably don’t have to spend as much on Comprehensive coverage as other drivers.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Buckeye Unitrin Farmers Allstate 10 20 30 40 50 60 70 80 90 100 110 $18 $68 $19 $111 $25 $88 $23 $94 $35 $112


Your Credit Score

Your credit score can have a major impact on your monthly rate – but this isn’t necessarily true for all companies. Some providers, like Unitrin, specialize in providing affordable insurance for all drivers, regardless of credit. Other, pickier providers might double your monthly premium or more for a poor score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Buckeye Unitrin Farmers Allstate 5 10 15 20 25 30 35 40 $15 $35 $18 $29 $25 $25 $21 $31 $30 $43


Your Age

The older you are, the cheaper your insurance will be. Providers automatically assume that your many years of driving experience will make it less likely for you to get into an accident. Teenage drivers, on the other hand, could see rate hikes as high as 500% or more. But good grades (along with a Good Student discount) could help lower your payments somewhat.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Buckeye Unitrin Farmers Allstate 15 30 45 60 75 90 105 120 135 150 165 180 $18 $79 $19 $73 $25 $77 $23 $59 $35 $181


Your Driving Record

Depending on how many – and how severe – your previous driving violations are, it could have a minimal impact on your monthly rate, or your premiums could skyrocket. And some providers are more forgiving than others, as the graph below shows. But if you’re lucky, you might be able to find an accident forgiveness discount from an insurance company near you.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Buckeye Unitrin Farmers Allstate 15 30 45 60 75 $18 $20 $20 $22 $19 Do Not Sell Do Not Sell Do Not Sell $25 $34 $80 $44 $23 $24 $50 $31 $35 $36 $48 $43


Your Vehicle

For some drivers, it isn’t necessarily a requirement that you carry anything more than the state minimum coverage, even on a luxury vehicle. However, most providers strongly suggest that you carry enough coverage to pay for the hypothetical costs of repairing/replacing your vehicle in a worst case scenario. And it is highly unlikely that $25,000-$50,000 worth of liability coverage will replace a totaled Porsche.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Buckeye Unitrin Farmers Allstate 15 30 45 60 75 90 105 120 135 150 165 $18 $89 $19 $122 $25 Do Not Sell $23 $99 $35 $168


Minor Car Insurance Factors in Brookings

The factors above could have an influence – although not always a strong one – on your monthly payments:

Your Marital Status

Spouses can team up and save money each month by bundling their policies together. You can even bundle additional insurance policies (such as your homeowner’s insurance) if your provider offers those extra financial services.

Your Gender

When you take a look at the available data, it seems as though insurance providers are a little confused over what to charge based on gender. Some have even completely phased out the practice altogether. But for those who do still charge, you’re unlikely to find more than a 1-3% price fluctuation.

Your Driving Distance to Work

Believe it or not, the majority of commutes in and around Brookings typically last somewhere between 12-15 minutes for your typical motorist. More than 76% of motorists will get from place to place in their own car or truck by themselves, while another 6-9% may car pool or walk.

Are you insuring your vehicle as a business vehicle? Well, that may not be the best decision. Carrying insurance on a business vehicle can increase your monthly premiums by 10% or more. If you have the option, insuring it for personal use is the way to go.

Your Coverage and Deductibles

Certain types of coverage, such as Comprehensive or Collision, require that you pay a deductible up front before your insurance company will process your claim. When your deductible is low, it’s less expensive to get back on the road if you have to file a claim. But it will also make your monthly payments more expensive. Talk to your agent about raising your deductible, and what options that might afford you as far as savings goes.

Education in Brookings, SD

Brookings is a well-educated city, with 23% of its drivers having their high school diploma or equivalent and just under 23% also possessing a bachelor’s degree. If you have earned a higher education for yourself, listen up: those motorists with advanced degrees tend to get the best rates on their auto insurance!

Brookings is a bit of a college town for South Dakota State University, the largest public institution for higher learning in the entire state. It offers its nearly 13,000 students a variety of degrees to choose from, including engineering, agriculture, nursing, and many more subjects. Additional educational opportunities can be found to the south in Sioux Falls or to the north in nearby Watertown.

Car insurance is among the most critical financial investments you can possibly make as a driver. You must be sure you discover a sincere, dependable supplier who is going to follow through on their promises. A small number of car insurance companies are usually far better at this than the others, and conducting a thorough online search will help you differentiate the beneficial from the poor.

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.


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

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