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Get Cheap Car Insurance in Morristown, SD
We monitor insurance prices, helping the average driver in Morristown save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Morristown
The chart below shows the cheapest car insurance company in Morristown 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.
| Morristown Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $28 |
| American Family Insurance | $32 |
| Midvale Home & Auto | $33 |
| State Farm | $33 |
Savings for Every Kind of Morristown Driver
Based on our extensive insurance data, we know the average Morristown 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 $369 per year by choosing the right vehicle insurance company. Some Morristown residents are paying out over $1,780 extra every year for auto insurance in Morristown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Morristown, SD Savings / Yr. |
|---|---|
$369 |
|
$746 |
|
$576 |
|
$838 |
|
$1,393 |
|
$407 |
|
$638 |
Morristown Car Insurance vs. South Dakota
People living in Morristown pay an average of 7.90% more than the typical driver in the state. The average driver in Morristown can expect to pay about $488 per year, or $1,780 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Morristown for most people.
Car Insurance Prices by Morristown Neighborhood
Insurance Prices
Where is insurance cheapest within Morristown?
The map shows insurance prices in and around Morristown, 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 $1,780 to a low of $1,780. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the East parts of Morristown.Pick the Best Car Insurance Company for You in Morristown
The best car insurance provider for most drivers in Morristown
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $369 over the average Morristown car insurance company.
The best car insurance provider for Morristown 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 $746 over the competition.
The best car insurance company for Morristown drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $576 better than other car insurance companies.
The best auto insurance for Morristown drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $838 less each year.
The least expensive car insurance company for new and young drivers in Morristown
In Morristown, State Farm costs young drivers $1,393 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Morristown
State Farm gave the largest car insurance discounts to married couples, averaging $407 saved each year compared to an average Morristown couple's premiums.
The cheapest car insurance in Morristown for drivers with bad credit
The best Morristown car insurance company for customer service
Nationwide was the best company for customer service in Morristown according to the NAIC.
Recent price drops
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The cheapest large national provider in Morristown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Morristown 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 Morristown, 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 Morristown
What Influences the Cost of Car Insurance in Morristown?
On average, car insurance in Morristown 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 Morristown is 26 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Morristown 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 A- according to CrimeGrade.org.
- Morristown has an average population density 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 Morristown is $41 per month for minimum coverage and $148 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
- Keldron: Insurance costs the same
- Watauga: Insurance costs the same
- Morristown: Insurance costs 15.62% less
- Mc Intosh: Insurance costs 15.45% less
- Thunder Hawk: Insurance costs 0.90% less
- Lemmon: Insurance costs 15.90% less
- McIntosh: Insurance costs 0.28% more
- Lemmon: Insurance costs 2.47% less
- North Lemmon: Insurance costs 16.80% less
- Raleigh: Insurance costs 15.79% less
Cities with Similar Populations
- Seven Oaks: Insurance costs 9.94% less
- Morristown: Insurance costs 15.62% less
- Mount Carmel: Insurance costs 17.08% less
- Mount Sterling: Insurance costs 20.96% less
- Mozelle: Insurance costs 8.76% less
- Scotland Beach: Insurance costs 1.69% more
- Scott Bar: Insurance costs the same
- Scovel: Insurance costs 25.51% less
- Scroggsfield: Insurance costs 34.72% less
- Scrub Ridge: Insurance costs 36.85% less