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Get Cheap Car Insurance in Box Elder, SD
We monitor insurance prices, helping the average driver in Box Elder save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Box Elder
The chart below shows the cheapest car insurance company in Box Elder 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.
| Box Elder Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $27 |
| American Family Insurance | $30 |
| Midvale Home & Auto | $31 |
| State Farm | $31 |
Savings for Every Kind of Box Elder Driver
Based on our extensive insurance data, we know the average Box Elder 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 $345 per year by choosing the right vehicle insurance company. Some Box Elder residents are paying out over $1,667 extra every year for auto insurance in Box Elder. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Box Elder, SD Savings / Yr. |
|---|---|
$345 |
|
$698 |
|
$539 |
|
$785 |
|
$1,304 |
|
$381 |
|
$597 |
Box Elder Car Insurance vs. South Dakota
People living in Box Elder pay an average of 1.00% more than the typical driver in the state. The average driver in Box Elder can expect to pay about $457 per year, or $1,667 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Box Elder for most people.
Car Insurance Prices by Box Elder Neighborhood
Insurance Prices
Where is insurance cheapest within Box Elder?
The map shows insurance prices in and around Box Elder, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $100 per year within the city boundaries, with insurance premiums ranging from a high of $1,741 to a low of $1,641. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Box Elder.Pick the Best Car Insurance Company for You in Box Elder
The best car insurance provider for most drivers in Box Elder
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $345 over the average Box Elder car insurance company.
The best car insurance provider for Box Elder drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $698 over the competition.
The best car insurance company for Box Elder drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $539 better than other car insurance companies.
The best auto insurance for Box Elder drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $785 less each year.
The least expensive car insurance company for new and young drivers in Box Elder
In Box Elder, State Farm costs young drivers $1,304 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Box Elder
State Farm gave the largest car insurance discounts to married couples, averaging $381 saved each year compared to an average Box Elder couple's premiums.
The cheapest car insurance in Box Elder for drivers with bad credit
The best Box Elder car insurance company for customer service
Recent price drops
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The cheapest large national provider in Box Elder
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Box Elder driver can expect to pay about $111 per month.
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 Box Elder, 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.Auto Insurance Prices in and Around Box Elder
What Influences the Cost of Car Insurance in Box Elder?
On average, car insurance in Box Elder is more expensive than the rest of the state. These high 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 Box Elder 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 18 to 19 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Box Elder are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Box Elder 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 Box Elder is $38 per month for minimum coverage and $139 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.
Car Insurance in Nearby Cities
- Ellsworth Afb: Insurance costs 2.52% more
- Ashland Heights: Insurance costs 0.36% more
- Rapid Valley: Insurance costs 2.40% less
- Sulphur: Insurance costs 2.22% less
- Rapid City: Insurance costs 0.48% more
- Caputa: Insurance costs 0.66% less
- Farmingdale: Insurance costs 1.32% less
- Viewfield: Insurance costs 1.86% more
- New Underwood: Insurance costs 2.70% more
- Black Hawk: Insurance costs 2.04% less
Cities with Similar Populations
- Hebron: Insurance costs 9.84% more
- Berlin: Insurance costs 8.88% more
- Andover: Insurance costs 1.68% more
- Blair: Insurance costs 16.20% less
- Corryton: Insurance costs 17.46% less
- Bishop: Insurance costs 12.90% more
- Amityville: Insurance costs 63.17% more
- Marble Falls: Insurance costs 3.06% less
- Lovejoy: Insurance costs 19.02% more
- Lunenburg: Insurance costs 7.86% less