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Cheap Auto Insurance Quotes in Watertown, SD (2023)

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Olivia Oksenhorn
Written by
Olivia Oksenhorn
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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.
Tanveen Vohra
Edited by
Tanveen Vohra
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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.
Amber Benka
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Amber Benka
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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 Watertown, SD

The average cost of South Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Watertown, SD to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Watertown is $151 per month, or $1812 annually.

  • Car insurance in Watertown is $3 more than the average cost of car insurance in South Dakota.

  • The cheapest car insurance provider in Watertown on average is State Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$51
Progressive
$89
GEICO
$97
The General
$131
American Family
$139

See More:

Cheapest Car Insurance in Watertown, SD

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in WatertownQuotes 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.
State Farm$51 /mo
Progressive$89 /mo
GEICO$97 /mo
The General$131 /mo
American Family$139 /mo

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Average Car Insurance Cost

South Dakota Cities
Sioux Falls$103/mo
Rapid City$84/mo
Aberdeen$92/mo
Brookings$86/mo
Watertown$101/mo
South Dakota$93/mo
Rapid City
$84
Brookings
$86
Aberdeen
$92
Average for SD
$93
Watertown
$101
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.

Find local Watertown agents

  • Fischer Rounds & Associates, Inc 

    12 Fifth St NE,
    Watertown, SD 57201
  • Meyer Insurance Inc 

    1933 Willow Creek Dr Ste 1,
    Watertown, SD 57201
  • Dacotah Insurance 

    1310 9th Ave SE,
    Watertown, SD 57201-5302
  • Kinsman Agency, Inc. 

    401 7th Avenue SE,
    Watertown, SD 57201-4944
  • Puthoff Insurance Agency, Inc. 

    1608 9th Ave SW,
    Watertown, SD 57201-5012
  • KHI Inc, DBA Hlavacek Insurance 

    804 2nd St SE,
    Watertown, SD 57201
  • Glacial Lakes Insurance 

    1505 10th Ave SE Ste 2,
    Watertown, SD 57201-5555
  • Big Sioux Financial, Inc. dba Reliabank Insurance 

    1401 4th St NE,
    Watertown, SD 57201-6803
  • Dennis Schulz Insurance Inc 

    24 N Broadway,
    Watertown, SD 57201
  • Farmers Union Insurance Agency 

    PO Box 222,
    Watertown, SD 57201
View more

FAQs - Watertown, SD Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • 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

  1. South Dakota Department of Labor and Regulation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
Olivia Oksenhorn
Written by
Olivia Oksenhorn
Linkedin

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.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
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.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.