Cheapest Auto Insurance in Aberdeen, South Dakota (2024)

Drivers in Aberdeen pay an average of $57 per month for liability-only car insurance.

Theresa Stevens
Theresa Stevens
  • AFCPE Accredited Financial Counselor

  • 6 years experience in the personal financial industry

Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.


Featured in

media logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo

Updated October 30, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Aberdeen, South Dakota

Recent Aberdeen, South Dakota car insurance prices for Dodge, Honda, Ford , and more.

*Quotes generated for Insurify users in and around Aberdeen, South Dakota within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Aberdeen, South Dakota within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Aberdeen, the third most-populous city in South Dakota, is located in the northeastern part of the state in Brown County. The average car insurance rates in Aberdeen are $57 for liability-only and $149 for full coverage.

Aberdeen drivers pay slightly less than the statewide average of $68 for liability insurance and $176 for full coverage. This could be due to the city’s population density of 1,725 people per square mile.[1]

Here’s what to know about finding cheap auto insurance in Aberdeen.

Quick Facts
  • Aberdeen drivers are legally required to purchase liability insurance.

  • Bristol West, Safeco, and USAA are three of Aberdeen’s best car insurance companies.

  • On average, drivers in Aberdeen pay $1,795 per year for full-coverage insurance.

Cheapest car insurance companies in Aberdeen 

The cheapest auto insurance company for you depends on factors such as your age, driving record, ZIP code, and the type of coverage you choose. It’s important to compare rates from multiple insurers to find the right combination of affordability and coverage for your specific needs.

The table below shows the top auto insurers for Aberdeen drivers. The rates in the table are for South Dakota.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Bristol West5.2$196$73High-risk drivers
Safeco8.3$129$46Discounts
USAA9.4N/AN/AMilitary members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for high-risk drivers: Bristol West

Compare personalized, real-time quotes
User Reviews
2.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
5.2/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo

Bristol West may offer the best price for high-risk drivers in Aberdeen. The company states on its website that it works with drivers with bad credit or DUIs on their record.

Pros
  • Works with high-risk drivers

  • Rideshare coverage available in some states

Cons
  • Not as many available discounts as some competitors

  • Coverage types vary by state

Read more driver reviews of Bristol West
Jennifer - October 28, 2024
Verified

Policy Change

Excellent.

Jeana - October 22, 2024
Verified

Feeling Overcharged by Bristol West!

I'm disabled and only drive one mile a day to drop off and pick up my daughter. Last year, I was paying $100 less. Despite having no tickets, accidents, or any other incidents, I'm now paying $179 a month, which seems excessive!

Steve - October 21, 2024
Verified

The price for the insurance is a bit high considering I have a 2009 pickup. I feel the range is too high.

The price for the insurance is a bit high considering I have a 2009 pickup. I feel the range is too high.

Best insurer for discounts: Safeco

Compare personalized, real-time quotes
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo

Safeco offers multiple discounts to help lower your car insurance premium. Discounts include safe-driver discounts, policy bundling discounts, and safe-vehicle discounts.

Pros
  • Multiple available discounts

  • AM Best financial strength rating of A- (Excellent)

Cons
  • Must contact an insurance agent to purchase a policy

  • Below-average J.D. Power customer satisfaction rating in the Central region

Read more driver reviews of Safeco
Barbara - October 28, 2024
Verified

Insurance Keeps Going Up

Please stop raising prices.

Carlotta - October 24, 2024
Verified

Excellent

They handled everything very smoothly.

Shirley - October 22, 2024
Verified

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo

USAA offers some of the lowest rates in Aberdeen. It focuses on serving active-duty military members, veterans, and their families. Approximately 1,000 veterans in Aberdeen are eligible for coverage through USAA.

Pros
  • Customer reviews are generally positive

  • Offers insurance, banking, and investing products

Cons
  • Only available to current military members, veterans, and their families

  • No 24/7 customer service

Read more driver reviews of USAA
Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

Dorothy - October 29, 2024
Verified

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin - October 29, 2024
Verified

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

How to get the cheapest car insurance in Aberdeen

Finding a cheap car insurance policy depends on factors such as your age, driving record, and the type of vehicle you drive.

Here are some potential ways to lower your car insurance premiums:[2]

  • Shop around. Like any major purchase, it’s important to shop around to find the right policy for your needs. Enter your demographic information, vehicle details, and desired coverage into an insurance-comparison website to receive quotes from multiple insurers simultaneously.

  • Ask about discounts. Discounts are an easy way to save money on your auto policy. They vary by insurer but may include discounts for good drivers, safe vehicles, and customer loyalty.

  • Bundle your insurance. Many insurance companies offer discounts when you purchase multiple policies through them, such as your auto, life, and homeowners insurance. This is often referred to as “bundling” policies.

Find Cheap Car Insurance in Aberdeen, South Dakota

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Aberdeen

If you cause an accident, liability-only car insurance helps cover the cost of the injuries of the other driver and their passengers. It also helps pay to repair or replace the other driver’s vehicle. It’s considered minimum coverage since it doesn’t offer protection for yourself, your passengers, or your vehicle.

South Dakota drivers are required to have liability insurance, which costs $68 per month, on average.

Here are the average monthly quotes for liability-only car insurance in Aberdeen.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Dairyland$49
Safeco$49
CSAA$55
Bristol West$59
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Aberdeen

Full-coverage car insurance offers greater financial protection on the road, as it typically includes liability insurance as well as comprehensive and collision coverage.

If you finance or lease a car, your lender will probably require you to buy full-coverage insurance. Other people may choose to purchase full coverage for the increased protection and peace of mind it brings.

In South Dakota, a full-coverage policy costs an average of $176 per month. Here are average full-coverage car insurance rates from top companies in Aberdeen.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Safeco$87
CSAA$112
Dairyland$153
Bristol West$158
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Aberdeen, South Dakota

Recent Aberdeen, South Dakota car insurance prices for Chevrolet, Ford, Nissan , and more.

*Quotes generated for Insurify users in and around Aberdeen, South Dakota within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Aberdeen, South Dakota within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Dakota

South Dakota law follows a traditional fault-based, or “tort,” system, meaning if you cause a car accident, you’re financially responsible for the resulting losses. Like most states, South Dakota requires all drivers to purchase minimum amounts of insurance coverage.

The table below outlines the minimum liability coverage requirements for South Dakota drivers:[3]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist coverage$25,000 per person / $50,000 per accident

Some drivers purchase additional insurance types to cover a broader range of scenarios on the road.

Here are some optional coverages to consider:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance helps cover damages to your car due to a collision with another vehicle or object, such as a telephone pole or fence.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance helps cover non-collision-related damage, such as theft, vandalism, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Rideshare insurance

    Rideshare insurance protects people who drive for rideshare companies such as Uber and DoorDash.

Cheapest car insurance for drivers with an incident

You might see a spike in your insurance premium if you’re involved in certain incidents on the road, such as at-fault accidents, speeding, and driving under the influence (DUI).[4]

The table below will help you understand how various incidents could affect your car insurance rates.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Record
With Accident
With Speeding Ticket
With DUI
Dairyland$49$71$70$86
Safeco$49$70$71$86
CSAA$55$84$80$97
Bristol West$59$86$84$104
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Senior drivers and teen drivers generally pay more for car insurance. Young drivers have less experience on the road and higher accident rates.[5] Similarly, older drivers might have age-related changes, such as differences in hearing or slower reflexes, that affect their driving skills.[6]

Here are some car insurance quotes by age in Aberdeen.

Age
Average Monthly Quote
Teens$270
20s$182
30s$142
40s$127
50s$113
60s$107
70s$110
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Aberdeen

Unlock discounts and savings when you compare through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Aberdeen car insurance quotes by credit tier

Like most states, South Dakota allows auto insurance companies to consider your credit history when calculating your insurance rates.

People with poor credit scores pay more for car insurance than people with excellent or good credit scores because, statistically, people with a low insurance score are more likely to file a claim.[7]

Here are the average monthly quotes for Aberdeen drivers for each of the following credit tiers:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Aberdeen car insurance FAQs

If you’re shopping for car insurance in Aberdeen, this additional information may help as you research your coverage options.

  • How much is car insurance in Aberdeen?

    Car insurance in Aberdeen costs $57 per month for liability-only coverage and $149 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in South Dakota?

    Safeco has the cheapest car insurance in South Dakota, with liability-only rates averaging $46 per month. Other cheap insurers include State Auto and Midvale Home & Auto, with liability-only rates averaging $47 and $52 per month, respectively.

    The cheapest insurance company for you will depend on factors such as your age, ZIP code, type of car you drive, and chosen coverage.

  • What are the best car insurance companies in Aberdeen?

    With a high IQ Score, AM Best financial strength rating of A++ (Superior), and positive customer service reviews, USAA is one of the best car insurance companies in Aberdeen. However, it’s only available to active-duty military members, veterans, and their families.

    Other top insurers to consider in Aberdeen include Midvale Home & Auto and Safeco.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Census.gov. "QuickFacts Aberdeen City, South Dakota."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. South Dakota Department of Labor & Regulation. "Automobile Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Centers for Disease Control and Prevention. "een Drivers and Passengers: Get the Facts."
  6. Insurance Information Institute. "https://www.iii.org/article/senior-driving-safety-and-insurance-tips."
  7. Insurance Information Institute. "Credit and insurance scores."
Theresa Stevens
Theresa Stevens

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all