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Get Cheap Car Insurance in Black Hawk, SD

We monitor insurance prices, helping the average driver in Black Hawk save up to 28.9% on car insurance.

 

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The Cheapest Minimum Coverage in Black Hawk

The chart below shows the cheapest car insurance company in Black Hawk for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by American Family Insurance, Midvale Home & Auto, and State Farm.

 
Black Hawk Insurer Monthly Cost
Auto-Owners Insurance $26
American Family Insurance $29
Midvale Home & Auto $30
State Farm $30

Savings for Every Kind of Black Hawk Driver

The table shows how much the average auto insurance customer in Black Hawk might save by following our recommendations.

Based on our extensive insurance data, we know the average Black Hawk driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $339 per year by choosing the right vehicle insurance company. Some Black Hawk residents are paying out over $1,633 extra every year for auto insurance in Black Hawk. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Black Hawk, SD Savings / Yr.
Drivers with good records
$339
Drivers with accidents
$684
Drivers with speeding tickets
$529
Drivers with a DUI conviction
$769
Young drivers
$1,278
Married drivers
$373
Drivers with bad credit
$585

Black Hawk Car Insurance vs. South Dakota

People living in Black Hawk pay an average of 1.02% less than the typical driver in the state. The average driver in Black Hawk can expect to pay about $447 per year, or $1,633 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Black Hawk for most people.

Car Insurance Prices by Black Hawk Neighborhood

Black Hawk, SD map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Black Hawk?

The map shows insurance prices in and around Black Hawk, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $73 per year within the city boundaries, with insurance premiums ranging from a high of $1,695 to a low of $1,622. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the South parts of Black Hawk.

Pick the Best Car Insurance Company for You in Black Hawk

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Black Hawk insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Black Hawk

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $339 over the average Black Hawk car insurance company.

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We use the average good driver, paying $108 per month, as our baseline for pricing in Black Hawk. State Farm, Auto-Owners Insurance, and Farmers Mutual of Nebraska are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Black Hawk drivers with accidents on their records

In Black Hawk getting into an accident will raise premiums an average 32% for a yearly cost of $2,408. That's $775 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Auto-Owners Insurance, and Farmers Mutual of Nebraska are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $684 over the competition.

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The best car insurance company for Black Hawk drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $529 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Black Hawk, tickets raise premiums on new quotes about $464. If you have a speeding ticket, we recommend State Farm, Farmers Mutual of Nebraska, and Auto-Owners Insurance for savings that beat the average insurance cost of $2,097 per year.

The best auto insurance for Black Hawk drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,666 per year in auto insurance premiums, which was $1,032 more than a driver with no major issues. State Farm, Dairyland, and Midvale Home & Auto penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $769 less each year.

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The least expensive car insurance company for new and young drivers in Black Hawk

In Black Hawk, State Farm costs young drivers $1,278 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in Black Hawk. With an average cost of $4,686 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farmers Mutual of Nebraska, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Black Hawk

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $122. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Black Hawk.

State Farm gave the largest car insurance discounts to married couples, averaging $373 saved each year compared to an average Black Hawk couple's premiums.

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The cheapest car insurance in Black Hawk for drivers with bad credit

People with poor credit saved an average of $585 with Farmers Mutual of Nebraska.

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Many people are surprised that their poor credit score can cost them an average of $1,100 every year. Premiums for people with poor credit were about $2,733 in Black Hawk. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Farmers Mutual of Nebraska.

The best Black Hawk car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Black Hawk, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Black Hawk.

Nationwide was the best company for customer service in Black Hawk according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Black Hawk, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Black Hawk. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Black Hawk

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Black Hawk residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Black Hawk driver can expect to pay about $111 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Black Hawk, USAA has the best prices for drivers with bad credit, drivers with a DUI conviction, good drivers, young drivers, drivers with accidents, drivers with speeding tickets, and married couples.
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Auto Insurance Prices in and Around Black Hawk

What Influences the Cost of Car Insurance in Black Hawk?

On average, car insurance in Black Hawk is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Black Hawk is 24 minutes, which is about the national average for a driver in the state.
  • South Dakota state insurance regulations may require higher prices.
  • An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Black Hawk are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Black Hawk is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Black Hawk is $37 per month for minimum coverage and $136 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

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* Who is the average Black Hawk driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Black Hawk with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.