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Get Cheap Car Insurance in Ideal, SD
We monitor insurance prices, helping the average driver in Ideal save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Ideal
The chart below shows the cheapest car insurance company in Ideal 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.
| Ideal Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $28 |
| American Family Insurance | $31 |
| Midvale Home & Auto | $32 |
| State Farm | $32 |
Savings for Every Kind of Ideal Driver
Based on our extensive insurance data, we know the average Ideal 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 $360 per year by choosing the right vehicle insurance company. Some Ideal residents are paying out over $1,735 extra every year for auto insurance in Ideal. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ideal, SD Savings / Yr. |
|---|---|
$360 |
|
$727 |
|
$561 |
|
$817 |
|
$1,357 |
|
$396 |
|
$621 |
Ideal Car Insurance vs. South Dakota
People living in Ideal pay an average of 5.14% more than the typical driver in the state. The average driver in Ideal can expect to pay about $475 per year, or $1,735 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Ideal for most people.
Car Insurance Prices by Ideal Neighborhood
Insurance Prices
Where is insurance cheapest within Ideal?
The map shows insurance prices in and around Ideal, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,735 to a low of $1,735. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Ideal.Pick the Best Car Insurance Company for You in Ideal
The best car insurance provider for most drivers in Ideal
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $360 over the average Ideal car insurance company.
The best car insurance provider for Ideal 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 $727 over the competition.
The best car insurance company for Ideal drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $561 better than other car insurance companies.
The best auto insurance for Ideal drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $817 less each year.
The least expensive car insurance company for new and young drivers in Ideal
In Ideal, State Farm costs young drivers $1,357 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ideal
State Farm gave the largest car insurance discounts to married couples, averaging $396 saved each year compared to an average Ideal couple's premiums.
The cheapest car insurance in Ideal for drivers with bad credit
The best Ideal car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ideal
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Ideal 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 Ideal, 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 Ideal
What Influences the Cost of Car Insurance in Ideal?
On average, car insurance in Ideal 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:
- South Dakota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Ideal are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Ideal is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Ideal is $40 per month for minimum coverage and $145 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
- Carter: Insurance costs 2.77% less
- New Witten: Insurance costs the same
- Hamill: Insurance costs 0.40% less
- Wewela: Insurance costs 2.07% less
- Winner: Insurance costs 3.23% less
- Witten: Insurance costs 1.15% less
- Dixon: Insurance costs 1.21% less
- Mosher: Insurance costs 2.59% less
- Iona: Insurance costs 2.36% less
- Colome: Insurance costs 1.33% less
Cities with Similar Populations
- Ferry Lake: Insurance costs 57.18% more
- Fort Bidwell: Insurance costs 1.56% more
- Fort Apache: Insurance costs 4.96% more
- Forest Lakes: Insurance costs 2.48% less
- Forbush: Insurance costs 29.34% less
- Fola: Insurance costs 11.18% less
- Florence: Insurance costs 37.06% less
- Florence: Insurance costs 0.06% less
- Floe: Insurance costs 10.32% less
- Fleming: Insurance costs 11.18% less