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Cheap Car Insurance in Aberdeen, SD

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Everything to Know About Car Insurance in South Dakota

Aberdeen, SD is home to more than 28,000 residents, making it the third-largest city in the state behind Rapid City and Sioux Falls. First settled in 1881, the town is located in the northeast part of the state not far from the North Dakota border.

Aberdeen has developed a reputation as the quintessential college town, as it is home to both Northern State University as well as Presentation College. Aberdeen is also home to the Super 8 Motel chain, which was first opened in 1973. If you make your home in or plan to visit Aberdeen, see the rest of our guide on car insurance in South Dakota.

How Much Does Car Insurance Cost in Aberdeen, South Dakota?

In Aberdeen, you can expect the monthly cost of your insurance premiums to run an average of $120 for full coverage car insurance. This rate is less than the national average for full coverage insurance of $148. You also have the option of paying less for the state-required minimum coverage. You will face average premiums of $24 for the minimum level of liability coverage. This is roughly half the national average of $47 monthly.

Many people find it tempting to select the cheapest possible car insurance. Unfortunately, the cheapest option is generally the riskiest as well. If you only carry liability coverage, you will be paying for your own damages by yourself after a crash. If you were at fault for the accident, you could be personally liable for anything above what your insurance will pay.

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What Does it Mean if South Dakota is At-Fault?

South Dakota—like most of the states in the nation—is an “at-fault” state when it comes to motor vehicle accidents. Also known as a “tort” state, these at-fault rules mean that drivers have the option to pursue legal action against the other party in the accident if they are at fault. This differs from a no-fault state, which generally requires you to pay for your damages through a claim with your insurance carrier.

Affordable Car Insurance Rates Comparison by Cities in South Dakota

See our list below to learn more about average monthly car insurance prices in South Dakota cities:

City Full Coverage Insurance Liability Insurance Coverage
Aberdeen $120 $24
Rapid City $145 $34
Sioux Falls $120 $24
Watertown $120 $24
Brookings $120 $24

Affordable Car Insurance Rates by Zip Code in Aberdeen, SD

One of the factors that insurance companies take into account is the ZIP code where you live. This is because accidents and claims for car theft occur more often in some ZIP codes than others. For that reason, you can face higher rates based on the ZIP code where you live.

See our list below for average monthly car insurance prices by zip code in Aberdeen:

Zip Code Full Coverage Insurance Liability Insurance Coverage
57401 $120 $24
57402 $120 $24

Low-Cost Car Insurance Rates by Age in Aberdeen, SD

The cost of car insurance in Aberdeen can also vary depending on the age of the insured driver. Collectively teenagers face the highest rates, given their inexperience behind the wheel and tendency to have a higher rate of claims. These rates will fall as drivers get older before rising again when drivers reach their 70s.

See our list below for average monthly car insurance prices by age in Aberdeen:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $373 $166
20s $263 $121
30s $137 $54
40s $130 $49
50s $118 $45
60s $113 $41
70s $118 $45

When determining the cost of car insurance, we use a set methodology to ensure our results are meaningful. We use the following method to arrive at our average cost: male driver, age 30, seeking the lowest possible legal coverage allowed by South Dakota law. Your insurance premiums are based on different factors like your age, your gender, your claims history, and the extent of the insurance coverage you opt to purchase.

Driving Conditions in Aberdeen, SD

How Many Fatal Accidents Happen in Aberdeen?

Fatal accidents are thankfully uncommon in Aberdeen. The lack of fatal collisions is largely related to the small population of the town itself. There has only been one traffic-related fatality in Aberdeen in recent years. This fatality occurred in May of 2019, and it is the only fatal accident in those five years. Nationally, there were nearly 43,000 traffic fatalities in 2021, which was a 10 percent increase from the previous year.

How Are the Road Infrastructure and Bridges in Aberdeen, SD?

In Aberdeen, road maintenance and repair are taken care of by the Aberdeen Streets Department. This department of the city is tasked with maintaining and updating the streets, alleys, and public parking lots throughout the city. The streets department also handles snow and ice mitigation, which is a common factor in Aberdeen.

Minimum Car Insurance Requirements in Aberdeen, South Dakota

South Dakota law requires motorists to carry a minimum level of liability insurance coverage. This coverage must include both bodily injury and property damage liability insurance. The minimum liability coverage required by South Dakota law includes:

  • Bodily injury liability coverage: $25,000 per person
  • Bodily injury liability coverage: $50,000 per accident
  • Property damage liability coverage: $25,000 per person

South Dakota also requires drivers to carry protection against those who drive without insurance in the following amounts:

  • Uninsured motorist coverage: $25,000/$50,000 per person/per accident

What Are the Penalties for Driving Without Insurance in Aberdeen, SD?

The offense of driving without car insurance in Aberdeen is treated as a Class 2 misdemeanor. This offense comes with several potential penalties, including the possibility of incarceration. Some of these penalties include the following:

  • As much as 30 days in jail
  • Fine between $100 and $500
  • License suspension for up to a year
  • Mandatory SR-22 coverage

Drivers who are required to file an SR-22 certificate are considered high-risk by insurance companies and, as such, may see their policy rates double or even triple.

Car Insurance Factors Allowed in Aberdeen, SD

There are different factors that an insurance company can take into account when it comes to setting car insurance rates. Each of these factors is tied to either higher or lower risks of claims. Some common factors include the following:

  • Age
  • Claims history
  • Gender
  • Marital status
  • Driving history
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What Happens If I Damage Property?

South Dakota is an at-fault insurance state. That means if you cause an accident that damages property, you could be liable for those damages. These are the situations that your liability insurance was designed for. However, you could also be paying for some of those costs out of pocket if the damages are higher than your policy limits. Some of the steps you can take after a property accident are the following:

  • Call the police. You should notify law enforcement if injuries occurred in the accident or if the damage is serious.
  • Leave a note. If you damage a parked vehicle and can’t find the owner, you should leave a note with your contact information.
  • Notify your carrier. You are typically required to notify your insurance company of any accidents, even if you don’t plan on filing a claim.

Discounts for Car Insurance in Aberdeen, SD

The cost of your monthly premiums might be hard to cover, especially if you have full coverage auto insurance. Thankfully, there are ways you can maintain your great coverage while also saving money at the same time. The best way to do that is through discounts. Some discounts to consider include:

One of the best ways to save money is by purchasing various insurance policies from the same carrier, called bundling. You could save money by buying your home insurance as well as your auto insurance.

Get an Online Quote for Low-Cost Car Insurance in Aberdeen, SD Today!

Aerial View of Aberdeen, South Dakota at Dusk.

That is everything you need to know about car insurance in Aberdeen, South Dakota. If you have questions about the right policy, Freeway Insurance has the answers.

Now is the right time to call about a quote. You can get a quote online, visit us at an Aberdeen office near you, or call us at 800-777-5620 at your convenience.