Best Keystone, SD Car Insurance in 2024
Car insurance in Keystone, SD averages $350 a month. Keystone, South Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Keystone car insurance rates, compare quotes from the top car insurance companies in Keystone, SD.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Keystone is State Farm
- Average car insurance rates in Keystone, SD after a DUI are $5,027/year
- The cheapest car insurance company in Keystone for teen drivers is State Farm
If you need to buy Keystone, South Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Keystone, SD is right here.
You’ll find Keystone car insurance rates, the cheapest Keystone, SD car insurance companies, and information on South Dakota car insurance laws. You can also compare Keystone, South Dakota car insurance rates to Huron car insurance rates, Box Elder car insurance rates, and Aberdeen car insurance rates.
Ready to find affordable Keystone, SD car insurance today? Enter your ZIP code for fast, free Keystone car insurance quotes.
Cheapest Keystone, SD Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Keystone, SD car insurance rates? Every Keystone, South Dakota car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,537 | $2,592 | $2,237 | $2,394 | $10,479 | $12,509 | $2,871 | $3,138 |
| American Family | $2,671 | $2,671 | $2,378 | $2,378 | $5,673 | $8,308 | $2,671 | $3,281 |
| Farmers | $2,112 | $2,123 | $1,862 | $1,933 | $9,152 | $9,526 | $2,346 | $2,502 |
| Geico | $2,189 | $2,062 | $2,090 | $1,926 | $4,505 | $5,300 | $1,919 | $1,836 |
| Liberty Mutual | $4,886 | $5,320 | $3,854 | $4,689 | $18,627 | $20,919 | $5,142 | $5,726 |
| Nationwide | $2,157 | $2,221 | $1,922 | $2,061 | $4,690 | $6,095 | $2,419 | $2,640 |
| Progressive | $2,649 | $2,625 | $2,179 | $2,242 | $9,247 | $10,545 | $3,319 | $3,455 |
| State Farm | $1,431 | $1,431 | $1,249 | $1,249 | $3,765 | $4,795 | $1,606 | $1,820 |
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Minimum Car Insurance in Keystone, SD
Every driver must carry the minimum car insurance in Keystone, SD. Take a look at the South Dakota car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Keystone, SD Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Keystone, SD. Compare credit history car insurance rates in Keystone from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,908 | $4,618 | $4,008 |
| American Family | $4,836 | $3,484 | $2,941 |
| Farmers | $4,465 | $3,760 | $3,608 |
| Geico | $4,421 | $2,244 | $1,520 |
| Liberty Mutual | $12,534 | $7,509 | $5,894 |
| Nationwide | $3,667 | $2,879 | $2,531 |
| Progressive | $5,255 | $4,343 | $3,999 |
| State Farm | $3,156 | $1,887 | $1,462 |
Cheapest Keystone, SD Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Keystone, SD to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,015 | $4,669 | $6,200 | $4,494 |
| American Family | $2,721 | $4,023 | $5,158 | $3,112 |
| Farmers | $3,373 | $4,245 | $4,141 | $4,020 |
| Geico | $1,725 | $2,913 | $4,551 | $1,725 |
| Liberty Mutual | $7,291 | $9,038 | $9,408 | $8,844 |
| Nationwide | $2,174 | $3,034 | $4,363 | $2,531 |
| Progressive | $3,913 | $5,272 | $4,224 | $4,722 |
| State Farm | $2,015 | $2,322 | $2,168 | $2,168 |
Cheapest Keystone, SD Car Insurance for Teen Drivers
Teen car insurance in Keystone, SD can be expensive. Take a look at rates from the top car insurance companies in Keystone for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,479 | $12,509 |
| American Family | $5,673 | $8,308 |
| Farmers | $9,152 | $9,526 |
| Geico | $4,505 | $5,300 |
| Liberty Mutual | $18,627 | $20,919 |
| Nationwide | $4,690 | $6,095 |
| Progressive | $9,247 | $10,545 |
| State Farm | $3,765 | $4,795 |
Cheapest Keystone, SD Car Insurance for Seniors
Take a look at Keystone, SD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,237 | $2,394 |
| American Family | $2,378 | $2,378 |
| Farmers | $1,862 | $1,933 |
| Geico | $2,090 | $1,926 |
| Liberty Mutual | $3,854 | $4,689 |
| Nationwide | $1,922 | $2,061 |
| Progressive | $2,179 | $2,242 |
| State Farm | $1,249 | $1,249 |
Cheapest Keystone, SD Car Insurance Rates After a DUI
A DUI in Keystone, SD increases car insurance rates. Compare Keystone, South Dakota DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,200 |
| American Family | $5,158 |
| Farmers | $4,141 |
| Geico | $4,551 |
| Liberty Mutual | $9,408 |
| Nationwide | $4,363 |
| Progressive | $4,224 |
| State Farm | $2,168 |
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Cheapest Keystone, SD Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Keystone, SD by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,726 | $4,963 |
| American Family | $3,709 | $3,799 |
| Farmers | $3,945 | $3,945 |
| Geico | $2,695 | $2,762 |
| Liberty Mutual | $8,645 | $8,645 |
| Nationwide | $3,026 | $3,026 |
| Progressive | $4,533 | $4,533 |
| State Farm | $2,116 | $2,221 |
The Best Cheap Car Insurance Companies in Keystone, SD
Take a look at a side-by-side comparison of the top car insurance companies in Keystone, SD to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,845 |
| American Family | $3,754 |
| Farmers | $3,945 |
| Geico | $2,728 |
| Liberty Mutual | $8,645 |
| Nationwide | $3,026 |
| Progressive | $4,533 |
| State Farm | $2,168 |
Category Winners: Cheapest Car Insurance in Keystone, South Dakota
Find the cheapest car insurance companies in Keystone, SD for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | Geico |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Cheapest Keystone, SD Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Keystone car insurance rates. Find the cheapest Keystone, SD car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,692 | $4,836 | $5,007 |
| American Family | $3,756 | $3,859 | $3,646 |
| Farmers | $3,784 | $3,905 | $4,145 |
| Geico | $2,638 | $2,725 | $2,822 |
| Liberty Mutual | $8,486 | $8,632 | $8,819 |
| Nationwide | $2,847 | $3,013 | $3,217 |
| Progressive | $4,425 | $4,496 | $4,678 |
| State Farm | $2,089 | $2,170 | $2,246 |
What affects car insurance rates in Keystone, South Dakota?
What factors can have an impact on Keystone, SD car insurance? There are several reasons why Keystone car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Keystone, South Dakota.
Commute Time in Keystone
The more time you spend in your car the higher the risk of an accident. The average commute length in Keystone, SD is 16.0 minutes according to City-Data.
Compare Car Insurance Quotes in Keystone, SD
Ready to find affordable Keystone, South Dakota car insurance today? Enter your ZIP code for fast, free Keystone, SD car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Keystone, SD?
Comparing car insurance rates in Keystone, SD can be done by following these steps:
- Research Insurance Companies: Gather a list of insurance companies that provide coverage in Keystone, SD.
- Request Quotes: Contact each insurance company on your list and request a quote for the coverage you need.
- Provide Necessary Information: Be prepared to provide information about your vehicle, driving history, and any other details required by the insurance companies.
- Compare Quotes: Once you receive quotes from multiple insurers, compare the coverage options, premiums, deductibles, and any additional features or benefits offered.
- Consider Coverage Needs: Evaluate your specific coverage needs and choose a policy that offers adequate protection at a reasonable price.
What factors can influence car insurance rates in Keystone, SD?
Several factors can influence car insurance rates in Keystone, SD. These factors may include:
- Driving record: A clean driving record with no accidents or violations can help lower your insurance rates, while a history of accidents or traffic violations can increase them.
- Vehicle make and model: The type of car you drive can impact your rates. Expensive or high-performance vehicles may cost more to insure due to their higher repair costs or increased likelihood of theft.
- Age and gender: Younger drivers, particularly teenagers, often face higher insurance rates due to their lack of driving experience. In some cases, gender may also play a role in determining premiums.
- Credit history: Insurance companies in some states consider credit history as a factor when determining rates. Maintaining good credit can help keep your premiums lower.
- Location: The location where you live and park your car can affect insurance rates. Factors such as crime rates, population density, and accident frequency in your area may influence premiums.
Are there any discounts available to reduce car insurance rates in Keystone, SD?
Yes, several discounts may be available to help reduce car insurance rates in Keystone, SD. These discounts can vary among insurance companies, but commonly available discounts may include:
- Safe driver discount: If you have a clean driving record, you may be eligible for a safe driver discount.
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and homeowners insurance, you could qualify for a discount.
- Good student discount: Full-time students who maintain good grades may be eligible for a discount.
- Anti-theft device discount: Installing anti-theft devices in your vehicle can help lower insurance rates.
- Defensive driving course discount: Completing an approved defensive driving course may make you eligible for a discount.
Do car insurance rates vary among insurance companies in Keystone, SD?
Yes, car insurance rates can vary among insurance companies in Keystone, SD. Each company uses its own unique formula to calculate rates, taking into account factors such as your age, driving history, vehicle type, and location. It’s important to compare quotes from multiple insurers to find the best coverage and rates for your specific needs.
Can I change my car insurance policy in Keystone, SD if I find a better rate?
Yes, you have the option to change your car insurance policy in Keystone, SD if you find a better rate. However, it’s crucial to consider the terms and conditions of your current policy before making any changes. Take note of cancellation fees, potential gaps in coverage, and the effective date of your new policy to ensure a seamless transition. It’s also recommended to reach out to your current insurer to discuss any concerns or negotiate a better rate before switching providers.
Are there any specific car insurance requirements in Keystone, SD?
Yes, there are specific car insurance requirements in Keystone, SD. The state of South Dakota requires drivers to carry liability insurance to legally operate a vehicle. The minimum liability coverage limits in South Dakota are:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
- $25,000 for property damage
How can I find the cheapest car insurance rates in Keystone, SD?
To find the cheapest car insurance rates in Keystone, SD, consider the following steps:
- Compare Multiple Quotes: Obtain quotes from different insurance companies to compare rates.
- Opt for Higher Deductibles: Choosing a higher deductible can lower your premiums, but be sure to set a deductible amount you can afford to pay out of pocket.
- Look for Discounts: Inquire about available discounts such as safe driver, multi-policy, or good student discounts that can help lower your rates.
- Maintain a Good Driving Record: Avoid accidents and traffic violations to maintain a clean driving record, as this can lead to lower premiums over time.
- Consider Your Coverage Needs: Assess your coverage needs and avoid unnecessary coverage options that may increase your rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.