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 Waubay, SD
We monitor insurance prices, helping the average driver in Waubay save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Waubay
The chart below shows the cheapest car insurance company in Waubay 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.
| Waubay Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $26 |
| American Family Insurance | $29 |
| Midvale Home & Auto | $29 |
| State Farm | $30 |
Savings for Every Kind of Waubay Driver
Based on our extensive insurance data, we know the average Waubay 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 $334 per year by choosing the right vehicle insurance company. Some Waubay residents are paying out over $1,610 extra every year for auto insurance in Waubay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Waubay, SD Savings / Yr. |
|---|---|
$334 |
|
$674 |
|
$521 |
|
$758 |
|
$1,260 |
|
$368 |
|
$577 |
Waubay Car Insurance vs. South Dakota
People living in Waubay pay an average of 2.40% less than the typical driver in the state. The average driver in Waubay can expect to pay about $441 per year, or $1,610 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Waubay for most people.
Car Insurance Prices by Waubay Neighborhood
Insurance Prices
Where is insurance cheapest within Waubay?
The map shows insurance prices in and around Waubay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $38 per year within the city boundaries, with insurance premiums ranging from a high of $1,636 to a low of $1,598. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Waubay.Pick the Best Car Insurance Company for You in Waubay
The best car insurance provider for most drivers in Waubay
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $334 over the average Waubay car insurance company.
The best car insurance provider for Waubay 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 $674 over the competition.
The best car insurance company for Waubay drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $521 better than other car insurance companies.
The best auto insurance for Waubay drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $758 less each year.
The least expensive car insurance company for new and young drivers in Waubay
In Waubay, State Farm costs young drivers $1,260 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Waubay
State Farm gave the largest car insurance discounts to married couples, averaging $368 saved each year compared to an average Waubay couple's premiums.
The cheapest car insurance in Waubay for drivers with bad credit
The best Waubay car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Waubay, which was better than other insurers.
The cheapest large national provider in Waubay
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Waubay 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 Waubay, 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 Waubay
What Influences the Cost of Car Insurance in Waubay?
On average, car insurance in Waubay 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:
- The average commute time in Waubay is 24 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 Waubay 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.
- Waubay has an average population density in the state. The city’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 Waubay is $37 per month for minimum coverage and $134 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
- Ortley: Insurance costs 2.61% less
- Grenville: Insurance costs 0.87% more
- Webster: Insurance costs 2.42% less
- Summit: Insurance costs 2.30% less
- Roslyn: Insurance costs 2.11% less
- Wallace: Insurance costs 5.22% less
- Lily: Insurance costs 1.49% less
- Peever: Insurance costs 0.25% less
- Eden: Insurance costs 3.04% less
- Marvin: Insurance costs 6.65% less
Cities with Similar Populations
- South Mountain: Insurance costs 0.87% less
- Glendale: Insurance costs 6.58% more
- Green Bluff: Insurance costs 13.35% less
- Selwyn: Insurance costs 6.89% more
- Seven Mile: Insurance costs 16.58% less
- Sewickley Heights: Insurance costs 11.80% less
- Shirleysburg: Insurance costs 17.02% less
- Shoshoni: Insurance costs 4.97% less
- Skippack: Insurance costs 13.60% less
- Glenallen: Insurance costs 12.61% more