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 Timber Lake, SD
We monitor insurance prices, helping the average driver in Timber Lake save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Timber Lake
The chart below shows the cheapest car insurance company in Timber Lake 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.
| Timber Lake Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $28 |
| American Family Insurance | $31 |
| Midvale Home & Auto | $32 |
| State Farm | $32 |
Savings for Every Kind of Timber Lake Driver
Based on our extensive insurance data, we know the average Timber Lake 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 $367 per year by choosing the right vehicle insurance company. Some Timber Lake residents are paying out over $1,771 extra every year for auto insurance in Timber Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Timber Lake, SD Savings / Yr. |
|---|---|
$367 |
|
$742 |
|
$573 |
|
$834 |
|
$1,386 |
|
$405 |
|
$634 |
Timber Lake Car Insurance vs. South Dakota
People living in Timber Lake pay an average of 7.34% more than the typical driver in the state. The average driver in Timber Lake can expect to pay about $485 per year, or $1,771 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Timber Lake for most people.
Car Insurance Prices by Timber Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Timber Lake?
The map shows insurance prices in and around Timber Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $34 per year within the city boundaries, with insurance premiums ranging from a high of $1,803 to a low of $1,769. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Timber Lake.Pick the Best Car Insurance Company for You in Timber Lake
The best car insurance provider for most drivers in Timber Lake
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $367 over the average Timber Lake car insurance company.
The best car insurance provider for Timber Lake 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 $742 over the competition.
The best car insurance company for Timber Lake drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $573 better than other car insurance companies.
The best auto insurance for Timber Lake drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $834 less each year.
The least expensive car insurance company for new and young drivers in Timber Lake
In Timber Lake, State Farm costs young drivers $1,386 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Timber Lake
State Farm gave the largest car insurance discounts to married couples, averaging $405 saved each year compared to an average Timber Lake couple's premiums.
The cheapest car insurance in Timber Lake for drivers with bad credit
The best Timber Lake car insurance company for customer service
Nationwide was the best company for customer service in Timber Lake according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Timber Lake, which was better than other insurers.
The cheapest large national provider in Timber Lake
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Timber Lake 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 Timber Lake, 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 Timber Lake
What Influences the Cost of Car Insurance in Timber Lake?
On average, car insurance in Timber Lake 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 Timber Lake is 29 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 22 to 23 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Timber Lake 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 B+ according to CrimeGrade.org.
- Timber Lake is a fairly densely populated area 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 Timber Lake is $40 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
- Glencross: Insurance costs 0.85% more
- Whitehorse: Insurance costs 0.11% less
- Walker: Insurance costs 1.58% more
- Isabel: Insurance costs 0.28% more
- Mahto: Insurance costs 1.52% more
- Trail City: Insurance costs 0.51% more
- Green Grass: Insurance costs 1.02% more
- Little Eagle: Insurance costs 1.75% more
- Bullhead: Insurance costs 1.81% more
- Thunder Butte: Insurance costs 1.30% more
Cities with Similar Populations
- Dial: Insurance costs 3.39% less
- Chatham: Insurance costs 55.62% more
- Clarks: Insurance costs 20.21% less
- Conesville: Insurance costs 30.66% less
- Coosa: Insurance costs 2.48% less
- Copley: Insurance costs 40.15% less
- Corum: Insurance costs 6.49% less
- Cosby: Insurance costs 3.73% less
- Cowanesque: Insurance costs 22.87% less
- Crescent City: Insurance costs 23.04% less