Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Hamlin County, SD

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

 

Start Saving

;

The Cheapest Minimum Coverage in Hamlin County

The chart below shows the cheapest car insurance company in Hamlin County 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.

 
Hamlin County Insurer Monthly Cost
Auto-Owners Insurance $24
American Family Insurance $27
Midvale Home & Auto $28
State Farm $28

Savings for Every Kind of Hamlin County Driver

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

Based on our extensive insurance data, we know the average Hamlin County 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 $316 per year by choosing the right vehicle insurance company. Some Hamlin County residents are paying out over $1,526 extra every year for auto insurance in Hamlin County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hamlin County, SD Savings / Yr.
Drivers with good records
$316
Drivers with accidents
$639
Drivers with speeding tickets
$494
Drivers with a DUI conviction
$719
Young drivers
$1,194
Married drivers
$349
Drivers with bad credit
$547

Hamlin County Car Insurance vs. South Dakota

People living in Hamlin County pay an average of 7.51% less than the typical driver in the state. The average driver in Hamlin County can expect to pay about $418 per year, or $1,526 for full coverage.

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

Car Insurance Prices by Hamlin County Neighborhood

Hamlin County, SD map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Hamlin County?

The map shows insurance prices in and around Hamlin County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $41 per year within the county boundaries, with insurance premiums ranging from a high of $1,549 to a low of $1,508. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Hamlin County.

Pick the Best Car Insurance Company for You in Hamlin County

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 Hamlin County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hamlin County

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $316 over the average Hamlin County car insurance company.

Visit Site

We use the average good driver, paying $101 per month, as our baseline for pricing in Hamlin County. 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 Hamlin County drivers with accidents on their records

In Hamlin County getting into an accident will raise premiums an average 32% for a yearly cost of $2,250. That's $724 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 $639 over the competition.

Visit Site

The best car insurance company for Hamlin County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $494 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hamlin County, tickets raise premiums on new quotes about $434. 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 $1,960 per year.

The best auto insurance for Hamlin County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,491 per year in auto insurance premiums, which was $965 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 $719 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Hamlin County

In Hamlin County, State Farm costs young drivers $1,194 less each year versus the average auto insurance bill.

Visit Site

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 Hamlin County. With an average cost of $4,378 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 Hamlin County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $114. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Hamlin County.

State Farm gave the largest car insurance discounts to married couples, averaging $349 saved each year compared to an average Hamlin County couple's premiums.

Visit Site

The cheapest car insurance in Hamlin County for drivers with bad credit

People with poor credit saved an average of $547 with Farmers Mutual of Nebraska.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,028 every year. Premiums for people with poor credit were about $2,554 in Hamlin County. 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 Hamlin County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hamlin County, 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 Hamlin County.

Nationwide was the best company for customer service in Hamlin County according to the NAIC.

Visit Site

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 Hamlin County, which was better than other insurers.

Visit Site

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 Hamlin County. 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 Hamlin County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Hamlin County residents who are renting, and don't plan to be in the county 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 Hamlin County driver can expect to pay about $111 per month.

Visit Site

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 Hamlin County, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Hamlin County

What Influences the Cost of Car Insurance in Hamlin County?

On average, car insurance in Hamlin County 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 county are influenced by the following factors:

  • The average commute time in Hamlin County is 25 minutes, which is a little more than average for a driver in the state.
  • South Dakota state insurance regulations may require higher prices.
  • An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Hamlin County are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Hamlin County is one of the least populated areas in the state. The county’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 Hamlin County is $35 per month for minimum coverage and $127 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 Counties

Counties with Similar Populations

* Who is the average Hamlin County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hamlin County 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.