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Get Cheap Car Insurance in Todd County, SD

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

 

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The Cheapest Minimum Coverage in Todd County

The chart below shows the cheapest car insurance company in Todd 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.

 
Todd County Insurer Monthly Cost
Auto-Owners Insurance $28
American Family Insurance $32
Midvale Home & Auto $33
State Farm $33

Savings for Every Kind of Todd County Driver

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

Based on our extensive insurance data, we know the average Todd 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 $371 per year by choosing the right vehicle insurance company. Some Todd County residents are paying out over $1,788 extra every year for auto insurance in Todd County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Todd County, SD Savings / Yr.
Drivers with good records
$371
Drivers with accidents
$749
Drivers with speeding tickets
$579
Drivers with a DUI conviction
$842
Young drivers
$1,399
Married drivers
$409
Drivers with bad credit
$640

Todd County Car Insurance vs. South Dakota

People living in Todd County pay an average of 8.36% more than the typical driver in the state. The average driver in Todd County can expect to pay about $490 per year, or $1,788 for full coverage.

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

Car Insurance Prices by Todd County Neighborhood

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

Insurance Prices

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Average
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Where is insurance cheapest within Todd County?

The map shows insurance prices in and around Todd County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $45 per year within the county boundaries, with insurance premiums ranging from a high of $1,814 to a low of $1,769. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the South parts of Todd County.

Pick the Best Car Insurance Company for You in Todd 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 Todd County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Todd County

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $371 over the average Todd County car insurance company.

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We use the average good driver, paying $118 per month, as our baseline for pricing in Todd 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 Todd County drivers with accidents on their records

In Todd County getting into an accident will raise premiums an average 32% for a yearly cost of $2,636. That's $848 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 $749 over the competition.

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

>State Farm gave the average person with a speeding ticket the most savings, averaging $579 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Todd County, tickets raise premiums on new quotes about $508. 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 $2,296 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,918 per year in auto insurance premiums, which was $1,130 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 $842 less each year.

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

In Todd County, State Farm costs young drivers $1,399 less each year versus the average auto insurance bill.

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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 Todd County. With an average cost of $5,130 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 Todd County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $133. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Todd County.

State Farm gave the largest car insurance discounts to married couples, averaging $409 saved each year compared to an average Todd County couple's premiums.

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

People with poor credit saved an average of $640 with Farmers Mutual of Nebraska.

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Many people are surprised that their poor credit score can cost them an average of $1,204 every year. Premiums for people with poor credit were about $2,992 in Todd 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 Todd County car insurance company for customer service

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

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

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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 Todd County, which was better than other insurers.

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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 Todd 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 Todd County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 52% of Todd 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 Todd County driver can expect to pay about $111 per month.

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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 Todd 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.
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Auto Insurance Prices in and Around Todd County

What Influences the Cost of Car Insurance in Todd County?

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

  • The average commute time in Todd 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 9 to 10 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Todd County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Todd County is a lightly populated area 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 Todd County is $41 per month for minimum coverage and $149 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 Todd County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Todd 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.