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Get Cheap Car Insurance in Groton, SD
We monitor insurance prices, helping the average driver in Groton save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Groton
The chart below shows the cheapest car insurance company in Groton 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.
| Groton Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $24 |
| American Family Insurance | $27 |
| Midvale Home & Auto | $28 |
| State Farm | $28 |
Savings for Every Kind of Groton Driver
Based on our extensive insurance data, we know the average Groton 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 $318 per year by choosing the right vehicle insurance company. Some Groton residents are paying out over $1,534 extra every year for auto insurance in Groton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Groton, SD Savings / Yr. |
|---|---|
$318 |
|
$642 |
|
$496 |
|
$722 |
|
$1,200 |
|
$351 |
|
$549 |
Groton Car Insurance vs. South Dakota
People living in Groton pay an average of 7.02% less than the typical driver in the state. The average driver in Groton can expect to pay about $420 per year, or $1,534 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Groton for most people.
Car Insurance Prices by Groton Neighborhood
Insurance Prices
Where is insurance cheapest within Groton?
The map shows insurance prices in and around Groton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $66 per year within the city boundaries, with insurance premiums ranging from a high of $1,586 to a low of $1,520. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Groton.Pick the Best Car Insurance Company for You in Groton
The best car insurance provider for most drivers in Groton
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $318 over the average Groton car insurance company.
The best car insurance provider for Groton 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 $642 over the competition.
The best car insurance company for Groton drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $496 better than other car insurance companies.
The best auto insurance for Groton drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $722 less each year.
The least expensive car insurance company for new and young drivers in Groton
In Groton, State Farm costs young drivers $1,200 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Groton
State Farm gave the largest car insurance discounts to married couples, averaging $351 saved each year compared to an average Groton couple's premiums.
The cheapest car insurance in Groton for drivers with bad credit
The best Groton car insurance company for customer service
Recent price drops
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The cheapest large national provider in Groton
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Groton 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 Groton, 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 Groton
What Influences the Cost of Car Insurance in Groton?
On average, car insurance in Groton 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 Groton is 23 minutes, which is a little less than average for a driver in the state.
- South Dakota state insurance regulations may require higher prices.
- An average of 22 to 23 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Groton 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.
- Groton is a lightly populated area 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 Groton is $35 per month for minimum coverage and $128 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
- James: Insurance costs 0.59% more
- Putney: Insurance costs 3.39% more
- Ferney: Insurance costs 1.11% more
- Andover: Insurance costs 1.69% more
- Tacoma Park: Insurance costs 1.11% more
- Bath: Insurance costs 0.39% less
- Huffton: Insurance costs 3.39% more
- Verdon: Insurance costs 1.76% more
- Stratford: Insurance costs 0.98% more
- Pierpont: Insurance costs 1.69% more
Cities with Similar Populations
- Lake Waccamaw: Insurance costs 17.28% less
- Taylor Highlands: Insurance costs 9.32% less
- Monroe North: Insurance costs 2.22% less
- Mokelumne Hill: Insurance costs 22.69% more
- Lyndon: Insurance costs 0.46% more
- Lower Brule: Insurance costs 10.56% more
- Lincoln: Insurance costs 22.10% less
- Limestone: Insurance costs 12.32% less
- Lenox: Insurance costs 19.36% less
- Troy: Insurance costs 0.07% more