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

  • Average car insurance rates in Winner, SD are $352/month
  • Average car insurance rates in Winner, SD for senior drivers are $2,347/year
  • The cheapest car insurance company in Winner after a DUI is State Farm

Average car insurance rates in Winner, South Dakota are $352 a month. But with a little research you can get a great deal from the top car insurance companies in Winner, SD. Before you buy Winner, 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 Winner car insurance rates with Spearfish car insurance rates, Sioux Falls car insurance rates, or Aberdeen car insurance rates to make sure you’re getting the best Winner, SD car insurance quotes available.

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

Winner, SD Minimum Car Insurance Coverage

Winner, 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 Winner, 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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Winner, SD Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,106 $4,185 $3,899
Farmers $4,188 $4,307 $4,546
GEICO $3,047 $3,128 $3,219
Liberty Mutual $7,947 $8,066 $8,221
Nationwide $2,628 $2,755 $2,914
Progressive $4,069 $4,128 $4,278
State Farm $2,390 $2,466 $2,537

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Winner, 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 $2,508 $2,560 $2,214 $2,369 $10,421 $12,451 $2,835 $3,096
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $2,305 $2,312 $2,029 $2,106 $10,141 $10,547 $2,578 $2,760
GEICO $2,551 $2,406 $2,446 $2,254 $5,030 $5,958 $2,239 $2,163
Liberty Mutual $4,662 $5,082 $3,678 $4,471 $17,102 $19,205 $4,927 $5,496
Nationwide $2,001 $2,068 $1,781 $1,918 $4,202 $5,494 $2,225 $2,436
Progressive $2,457 $2,441 $2,020 $2,075 $8,402 $9,590 $3,078 $3,202
State Farm $1,763 $1,763 $1,496 $1,496 $3,937 $5,127 $1,964 $2,168

Winner, SD Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,421 $12,451
American Family $6,026 $8,854
Farmers $10,141 $10,547
GEICO $5,030 $5,958
Liberty Mutual $17,102 $19,205
Nationwide $4,202 $5,494
Progressive $8,402 $9,590
State Farm $3,937 $5,127

Winner, SD Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,369
American Family $2,598 $2,598
Farmers $2,029 $2,106
GEICO $2,446 $2,254
Liberty Mutual $3,678 $4,471
Nationwide $1,781 $1,918
Progressive $2,020 $2,075
State Farm $1,496 $1,496

Winner, SD Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,228 $3,769 $3,193
Farmers $4,920 $4,146 $3,976
GEICO $5,073 $2,574 $1,745
Liberty Mutual $11,735 $6,997 $5,501
Nationwide $3,363 $2,623 $2,311
Progressive $4,833 $3,981 $3,660
State Farm $3,587 $2,144 $1,661

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Winner, SD Car Insurance Rates by Driver History

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

Annual Winner, South Dakota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,979 $4,630 $6,159 $4,459
American Family $2,949 $4,337 $5,591 $3,376
Farmers $3,706 $4,677 $4,562 $4,443
GEICO $1,966 $3,339 $5,254 $1,966
Liberty Mutual $6,826 $8,421 $8,802 $8,262
Nationwide $1,980 $2,773 $4,000 $2,309
Progressive $3,594 $4,822 $3,879 $4,337
State Farm $2,337 $2,592 $2,464 $2,464

Winner, SD Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,159
American Family $5,591
Farmers $4,562
GEICO $5,254
Liberty Mutual $8,802
Nationwide $4,000
Progressive $3,879
State Farm $2,464

Winner, SD Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,689 $4,924
American Family $4,013 $4,113
Farmers $4,347 $4,347
GEICO $3,094 $3,168
Liberty Mutual $8,078 $8,078
Nationwide $2,766 $2,766
Progressive $4,158 $4,158
State Farm $2,403 $2,526

Winner, SD Cheapest Car Insurance Rates

How do the top Winner, South Dakota car insurance companies’ average rates stack up against the Winner average monthly car insurance rates of $352? Take a look and see.

Best Annual Car Insurance Rates by Company in Winner, 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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Winner, SD Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,063
Farmers $4,347
GEICO $3,131
Liberty Mutual $8,078
Nationwide $2,766
Progressive $4,158
State Farm $2,464

Other Factors Affecting Winner, SD Car Insurance Rates

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

Winner, SD Commute Time

How does your Winner, SD commute time compare with the average driver? In Winner, the average commute is 11.2 minutes.

Winner, SD Car Insurance Quotes

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