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Cheap Auto Insurance Quotes in Huron, SD (2023)
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Written by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in Huron, SD
State law requires all South Dakota drivers to carry the minimum car insurance coverage. To comply with the minimum coverage insurance laws, you need to carry liability coverage (both bodily injury and property damage) as well as underinsured/uninsured motorist coverage. Plus, if you’re financing your vehicle, your lender may require you to purchase full coverage.
Getting cheap car insurance coverage in Huron, South Dakota, doesn’t have to be complicated or take hours of your time. Use Insurify , an AI-powered tool, to directly connect with the top insurance providers in your area and find the best coverage options at the best price in under five minutes. Getting cheap car insurance quotes with Insurify is easy, fast, and free!
Your auto insurance rates depend on where you live in South Dakota and the average costs can vary from city to city. On average, residents of Sioux Falls and Aberdeen pay a bit more than residents of Rapid City and Huron per month. You can find a chart showing the average car insurance rates for major cities in South Dakota below.
Quick Facts
The average cost of car insurance in Huron is $135 per month, or $1620 annually.
Car insurance in Huron is $13 less than the average cost of car insurance in South Dakota.
The cheapest car insurance provider in Huron on average is Midvale Home & Auto, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$32
Allstate$43
State Farm$46
The General$148
American Family$154
See More:
Cheapest Car Insurance in Huron, SD
Different companies and insurance agents weigh factors like your age and credit score differently to determine your car insurance rate. That’s why it’s important to shop around and get at least five car insurance quotes from different auto insurance companies to find the cheapest auto insurance for you.
As a resident of Huron, South Dakota, you have plenty of options to choose from. But instead of manually requesting a quote from each of the auto insurance providers below, you can use Insurify to get real, cheap quotes from them and compare them side by side in one place.
| Insurance Provider in Huron | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Progressive | $32 /mo |
| Allstate | $43 /mo |
| State Farm | $46 /mo |
| The General | $148 /mo |
| American Family | $154 /mo |
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Best Car Insurance in Huron, SD
It is possible to get cheap SD car insurance with great coverage—you don’t need to sacrifice being safe on the road to get a good deal. You can use the table below to see car insurance companies in Huron, South Dakota, with some of the lowest insurance premiums, organized by their Insurify Composite Score from highest to lowest.
However, remember that these auto insurance rates are just estimates based on research. To get real and personalized quotes from these insurance providers in under five minutes, use Insurify .
| Best Companies | Score | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|---|
| Nationwide | 89 | $131 /mo |
| Safeco | 86 | $151 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| South Dakota Cities | |
|---|---|
| Sioux Falls | $103/mo |
| Rapid City | $84/mo |
| Aberdeen | $92/mo |
| Brookings | $86/mo |
| Huron | $85/mo |
| South Dakota | $90/mo |
Rapid City$84
Huron$85
Brookings$86
Average for SD$90
Aberdeen$92
Sioux Falls$103
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in South Dakota
All motor vehicles operated or parked on South Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in South Dakota[1] are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Dakota is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$25,000 per person for uninsured/underinsured motorist bodily injury
$50,000 per accident for uninsured/underinsured motorist bodiliy injury
$25,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Dakota, drivers are required to purchase this coverage for bodily injuries.
Huron Car Insurance Rates by Driver Age
Your age is one of the most important factors that determine the cost of your insurance policy. Statistically, teen and young drivers under 25 have the highest rates. However, your auto insurance coverage will gradually get cheaper and cheaper as you age and gain more driving experience. Drivers in their 60s usually have access to the lowest car insurance rates.
You can find the average car insurance rates by driver age in the table below.
| Driver's Age | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Teens | $261 |
| 20s | $159 |
| 30s | $130 |
| 40s | $118 |
| 50s | $105 |
| 60s | $91 |
| 70s | $109 |
| 80s | $109 |
Huron Car Insurance Rates by Driving and Accident History
Your driving history and whether you have any at-fault accidents or DUIs on your record also play an important role in how cheap your car insurance can get. Drivers with a clean driving record generally have the most affordable car insurance rates, while those with speeding tickets, at-fault accidents, and failures to stop on their record have the highest auto insurance costs.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $130 |
| Speeding Ticket | $182 |
| At-Fault Accident | $190 |
| DUI | $257 |
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Huron Car Insurance Rates by Credit Tier
Whether you are shopping for the minimum required liability insurance or full coverage, auto insurance agencies will take your credit score into consideration when calculating your rates. Huron drivers with excellent and good credit scores have the cheapest car insurance rates, while those with poor credit history pay more on average.
You can compare average monthly costs for drivers with excellent, good, average, and poor credit scores below.
| Credit Tier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Excellent | $130 |
| Good | $139 |
| Average | $162 |
| Bad | $201 |
See More: Bad Credit Car Insurance South Dakota
Find local Huron agents
American Trust Insurance, LLC
1820 Dakota Ave S,
Huron, SD 57350Heartland Financial Services Inc
2111 Dakota Ave S,
Huron, SD 57350American Bank & Trust
1829 E Dakota Ave S.,
Huron, SD 57350Art Sieler & Associates
1945 Indiana Ave SE,
Huron, SD 57350-4213Waldner Ins Agcy
40500 S Shore Rd,
Huron, SD 57350-8114Farmers Union Insurance Agency
1835 Arizona Ave SW,
Huron, SD 57350Dakotaland Community Insurance, LLC
1371 Dakota Avenue South,
Huron, SD 573501st Stop Insurance
1507 Dakota Ave S,
Huron, SD 57350-3844HUB International Mountain States
76 3rd St SW,
Huron, SD 57350-2401Home Run Insurance Agency Inc
1340 Dakota Ave N,
Huron, SD 57350-4545
Huron DMV Information
The DMV is a state-level government agency that provides services related to cars and other vehicles, such as purchasing new license plates and vehicle registration renewal. “DMV” stands for department of motor vehicles. You can simply walk in, but if you want to avoid long lines, it’s recommended that you make an appointment.
There are multiple DMVs in Huron, South Dakota, so you can simply search for the one closest to you. There is no requirement to go to a specific DMV. South Dakota Department of Motor Vehicles also offers several services online, such as finding out the estimated renewal cost of your vehicle. Keep in mind that to renew your driver’s license, you need to visit the South Dakota Department of Public Safety, not the DMV.
Public Transportation in Huron
Huron, South Dakota, is primarily a driving city. It could be difficult to get around Huron without your car. However, there is some public transportation available, primarily buses.
If high car insurance costs are preventing you from investing in a vehicle, there are several things you can do to lower your car insurance premiums. You can bundle your car insurance policy with another insurance policy—such as your homeowners or life insurance—or increase your deductible. However, the best way to find cheap car insurance in Huron is to use Insurify .
How to Get the Cheapest Car Insurance in Huron
Whether you’re looking for a car insurance policy for your family or just for yourself, the best way to find the cheapest auto insurance quote in Huron is to shop around. You need to request at least four car insurance quotes from different car insurance companies and then compare them to see which provider is offering you the best rates and coverage.
However, manually requesting quotes from different auto insurance providers and then comparing them on your own can get time-consuming—not to mention confusing! You have to spend hours on the phone or online with different insurance agents, answering the same basic questions about your age, credit score, and driving history over and over again.
Comparing car insurance quotes with Insurify saves you time, money, and stress. Plus, it helps you find the cheapest car insurance coverage available on the market in Huron in under five minutes! Simply spend a few minutes telling Insurify about yourself, your vehicle, and your coverage preferences, and instantly get 10+ real and personalized quotes side by side.
For more detailed South Dakota city level guides, check out these below.
FAQs - Huron, SD Car Insurance
Shopping around and getting at least four auto insurance quotes from different insurance companies in your area is the best way to get the cheapest rate. However, doing this on your own can cost you time and money. Use Insurify to find the cheapest car insurance rates in Huron, South Dakota. On average, Insurify users save $489 per year !
Different car insurance companies weigh personal and statistical factors, such as your age and vehicle model, differently to determine your unique car insurance rate, so it is difficult to predict how much car insurance will cost for you. However, you can use Insurify to get real and cheap car insurance quotes from the top auto insurance companies in Huron, such as Nationwide and State Farm.
Certain factors, such as having a poor credit score, being a teen or young driver under 25, and having violations on your driving record, can drive your car insurance costs up. Some vehicle models can also cost more to insure. However, even if you have factors that are negatively impacting your car insurance costs, you can use Insurify to find the cheapest deal for you.
Compare Car Insurance Quotes Instantly
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- South Dakota Department of Labor and Regulation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
