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Get Cheap Car Insurance in Spencer, SD
We monitor insurance prices, helping the average driver in Spencer save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Spencer
The chart below shows the cheapest car insurance company in Spencer 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.
| Spencer Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $25 |
| American Family Insurance | $27 |
| Midvale Home & Auto | $28 |
| State Farm | $28 |
Savings for Every Kind of Spencer Driver
Based on our extensive insurance data, we know the average Spencer 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 $320 per year by choosing the right vehicle insurance company. Some Spencer residents are paying out over $1,546 extra every year for auto insurance in Spencer. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Spencer, SD Savings / Yr. |
|---|---|
$320 |
|
$647 |
|
$500 |
|
$728 |
|
$1,209 |
|
$353 |
|
$554 |
Spencer Car Insurance vs. South Dakota
People living in Spencer pay an average of 6.32% less than the typical driver in the state. The average driver in Spencer can expect to pay about $423 per year, or $1,546 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Spencer for most people.
Car Insurance Prices by Spencer Neighborhood
Insurance Prices
Where is insurance cheapest within Spencer?
The map shows insurance prices in and around Spencer, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $24 per year within the city boundaries, with insurance premiums ranging from a high of $1,556 to a low of $1,532. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Spencer.Pick the Best Car Insurance Company for You in Spencer
The best car insurance provider for most drivers in Spencer
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $320 over the average Spencer car insurance company.
The best car insurance provider for Spencer 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 $647 over the competition.
The best car insurance company for Spencer drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $500 better than other car insurance companies.
The best auto insurance for Spencer drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $728 less each year.
The least expensive car insurance company for new and young drivers in Spencer
In Spencer, State Farm costs young drivers $1,209 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Spencer
State Farm gave the largest car insurance discounts to married couples, averaging $353 saved each year compared to an average Spencer couple's premiums.
The cheapest car insurance in Spencer for drivers with bad credit
The best Spencer car insurance company for customer service
Recent price drops
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The cheapest large national provider in Spencer
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Spencer 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 Spencer, 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 Spencer
What Influences the Cost of Car Insurance in Spencer?
On average, car insurance in Spencer 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:
- South Dakota state insurance regulations may require higher prices.
- An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Spencer are among the highest 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.
- Spencer 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 Spencer is $35 per month for minimum coverage and $129 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
- Farmer: Insurance costs 0.65% more
- Salem: Insurance costs 0.32% more
- Emery: Insurance costs 0.78% more
- Unityville: Insurance costs 0.13% more
- Epiphany: Insurance costs 0.39% more
- Alexandria: Insurance costs 3.82% more
- Bridgewater: Insurance costs 0.32% more
- Canova: Insurance costs 0.13% less
- Fulton: Insurance costs 0.58% more
- Stanley Corner: Insurance costs 0.91% less
Cities with Similar Populations
- Reynoldsdale: Insurance costs 12.16% less
- Morrison: Insurance costs 21.28% less
- Morse: Insurance costs 20.31% more
- Morton Valley: Insurance costs 11.38% more
- Mortonsville: Insurance costs 29.69% more
- Mount Braddock: Insurance costs 10.67% less
- Red Cliff: Insurance costs 18.18% more
- Red Lake: Insurance costs 4.59% more
- Redfield: Insurance costs 35.25% more
- Regent: Insurance costs 3.69% less