Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The annual number of car thefts in Aberdeen is 35.
  • Average car insurance rates in Aberdeen, SD are $304/month
  • Average car insurance rates in Aberdeen, SD for senior drivers are $1,980/year

Average car insurance rates in Aberdeen, South Dakota are $304 a month. But with a little research you can get a great deal from the top car insurance companies in Aberdeen, SD. Before you buy Aberdeen, South Dakota car insurance, make sure your coverage meets or exceeds the South Dakota minimum of 25/50/25.

It may even be helpful to compare Aberdeen car insurance rates with Sioux Falls car insurance rates, Brookings car insurance rates, or Box Elder car insurance rates to make sure you’re getting the best Aberdeen, SD car insurance quotes available.

Need affordable Aberdeen, SD car insurance? Enter your ZIP code to compare Aberdeen car insurance quotes from multiple car insurance companies near you.

Aberdeen, SD Minimum Car Insurance Coverage

Aberdeen, South Dakota law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Aberdeen, South Dakota

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

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Aberdeen, SD Car Insurance Rates by Coverage Level

Some Aberdeen drivers can get by with the South Dakota minimum coverage of 25/50/25. Other drivers may need more. See how much your Aberdeen, South Dakota car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Aberdeen, South Dakota

Insurance Company Low Medium High
Allstate $4,581 $4,724 $4,895
American Family $4,106 $4,185 $3,899
Farmers $3,243 $3,357 $3,586
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,651 $6,768 $6,904
Nationwide $2,208 $2,344 $2,514
Progressive $3,018 $3,079 $3,230
State Farm $1,980 $2,059 $2,133

Aberdeen, SD Car Insurance Rates by Age, Gender, and Marital Status

Aberdeen, South Dakota car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Aberdeen, SD car insurance, get quotes from multiple car insurance companies in the Aberdeen area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Aberdeen, South Dakota

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 $2,478 $2,531 $2,186 $2,339 $10,236 $12,228 $2,804 $3,066
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $1,763 $1,766 $1,550 $1,615 $8,037 $8,355 $1,973 $2,101
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,730 $4,048 $2,943 $3,576 $14,914 $16,736 $3,908 $4,339
Nationwide $1,665 $1,704 $1,493 $1,587 $3,713 $4,767 $1,879 $2,036
Progressive $1,722 $1,681 $1,421 $1,471 $6,640 $7,525 $2,155 $2,258
State Farm $1,370 $1,370 $1,193 $1,193 $3,541 $4,523 $1,537 $1,733

Aberdeen, SD Car Insurance Rates for Teens

How much is Aberdeen, South Dakota car insurance for teens? Compare rates from top Aberdeen car insurance companies below to help find the cheapest teen car insurance in Aberdeen, SD.

Annual Car Insurance Rates for Teen Drivers in Aberdeen, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,236 $12,228
American Family $6,026 $8,854
Farmers $8,037 $8,355
GEICO $4,398 $5,174
Liberty Mutual $14,914 $16,736
Nationwide $3,713 $4,767
Progressive $6,640 $7,525
State Farm $3,541 $4,523

Aberdeen, SD Car Insurance Rates for Seniors

Before seniors buy Aberdeen, South Dakota car insurance, they should make sure to shop around. Some Aberdeen, SD car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Aberdeen, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,186 $2,339
American Family $2,598 $2,598
Farmers $1,550 $1,615
GEICO $2,041 $1,881
Liberty Mutual $2,943 $3,576
Nationwide $1,493 $1,587
Progressive $1,421 $1,471
State Farm $1,193 $1,193

Aberdeen, SD Car Insurance Rates by Credit History

How does your credit history affect Aberdeen, SD car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Aberdeen, South Dakota

Insurance Company Poor Fair Good
Allstate $5,773 $4,511 $3,916
American Family $5,228 $3,769 $3,193
Farmers $3,833 $3,244 $3,109
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,783 $5,908 $4,632
Nationwide $2,839 $2,252 $1,976
Progressive $3,560 $2,993 $2,775
State Farm $2,994 $1,791 $1,388

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Aberdeen, SD Car Insurance Rates by Driver History

How does a single speeding ticket affect your Aberdeen, South Dakota car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Aberdeen.

Annual Aberdeen, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,920 $4,560 $6,063 $4,390
American Family $2,949 $4,337 $5,591 $3,376
Farmers $2,892 $3,661 $3,571 $3,457
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,704 $7,102 $7,358 $6,932
Nationwide $1,721 $2,363 $3,352 $1,986
Progressive $2,675 $3,661 $2,884 $3,216
State Farm $1,916 $2,199 $2,058 $2,058

Aberdeen, SD Car Insurance Rates With a DUI

Even a single DUI can increase your Aberdeen, SD car insurance rates. Compare rates below to see which Aberdeen car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Aberdeen, South Dakota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,063
American Family $5,591
Farmers $3,571
GEICO $4,443
Liberty Mutual $7,358
Nationwide $3,352
Progressive $2,884
State Farm $2,058

Aberdeen, SD Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Aberdeen, SD car insurance rates may be. Let’s take a look at average car insurance rates from top Aberdeen companies based on commute time.

Annual Car Insurance Rates by Commute Length in Aberdeen, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,618 $4,849
American Family $4,013 $4,113
Farmers $3,395 $3,395
GEICO $2,631 $2,696
Liberty Mutual $6,774 $6,774
Nationwide $2,355 $2,355
Progressive $3,109 $3,109
State Farm $2,007 $2,108

Aberdeen, SD Cheapest Car Insurance Rates

How do the top Aberdeen, South Dakota car insurance companies’ average rates stack up against the Aberdeen average monthly car insurance rates of $304? Take a look and see.

Best Annual Car Insurance Rates by Company in Aberdeen, South Dakota

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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Aberdeen, SD Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Aberdeen, South Dakota car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Aberdeen, South Dakota

Insurance Company Average Annual Rates
Allstate $4,733
American Family $4,063
Farmers $3,395
GEICO $2,664
Liberty Mutual $6,774
Nationwide $2,355
Progressive $3,109
State Farm $2,058

Other Factors Affecting Aberdeen, SD Car Insurance Rates

Before you buy Aberdeen, South Dakota car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Aberdeen, SD Car Theft Rates

The car theft rate in Aberdeen, SD will affect your car insurance rates. FBI data shows that the annual car theft rate for Aberdeen, South Dakota is 35 stolen cars.

Aberdeen, SD Commute Time

How does your Aberdeen, SD commute time compare with the average driver? In Aberdeen, the average commute is 10.9 minutes.

Aberdeen, SD Traffic

Spending time in Aberdeen traffic can lead to higher car insurance rates. According to INRIX data, Aberdeen, SD ranks as the 278th-most congested with traffic in the world.

Aberdeen, SD Car Insurance Quotes

Compare Aberdeen, SD car insurance quotes from multiple companies by entering your ZIP code now.