Best Aberdeen, SD Auto Insurance in 2024
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 14, 2024
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Looking for cheap auto insurance in Aberdeen, SD? From AutoInsuranceEZ.com, you could get the lowest cost insurance rates close to you. To acquire free car insurance quotes offered by the best providers immediately, type in your local zip code into the quote box in this article.
Once home to the Sioux Indians, Aberdeen is located in the northeastern part of the state in the James River Valley. Like many settlements of the 19th century, Aberdeen can attribute most of its early growth and economic success to westward railroad expansion. Today it is home to two different universities and a diversified economy.
- Fun fact: that was a nice trip…probably because Aberdeen is #27 on the list of “Top 100 cities with shortest commuting times (pop. 5,000+)”. Thinking of learning more about Aberdeen? Click here!
Auto Insurance Coverage Requirements in South Dakota
Driving legally in Aberdeen requires:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 |
| Property Damage Liability | 25,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 250 deductible |
Many states, South Dakota included, require that every driver must carry Liability coverage in order to drive legally. But Liability only isn’t for every driver. For an accident that is not your fault, or an accident that requires medical attention, you will have to pay those costs 100% out of pocket.
Your typical South Dakota driver is probably dealing with at least $130 worth of insurance payments each month. However, savvy South Dakotans can save big and lower their rate to $25/mo* if they act fast! You can also learn more about affordable South Dakota auto insurance here.
Right now, Aberdeen drivers can switch to State Farm or Buckeye if they want the lowest rate in their city. But low rates aren’t everything. Sometimes, you can get reliable service from an insurance company for a bargain price – and sometimes, you may need to pay a little extra.
Those that provide you with auto insurance plans evaluate different factors when determining quotes, including driving experience, zip code, occupation, miles driven each year, and current insurance coverage and limits. Also, premiums differ from one company to another. To find out if that you are still receiving the most affordable rate, compare cheap Aberdeen auto insurance rates online.
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Major Car Insurance Factors in Aberdeen
There are numerous ways in which your car insurance rate can be calculated. But not all of it is out of your control; there are steps you can take so that you can control which discounts you are entitled to obtain. Listed below are some of these elements in greater detail:
Your Zip Code
The spot where you park your car each night will probably have a serious influence on your car insurance rate. Typically, auto insurance is cheaper in non-urban locations because fewer vehicles means a reduced likelihood that you’ll get in an accident with some other car. The population of Aberdeen is 27,333 plus the general family earnings are $41,432.
Automotive Accidents
Aberdeen is a fairly small town, and it has the accident statistics to reflect this. And anywhere with a low rate of serious accidents is bound to offer local drivers some pretty significant discounts. Talk to your insurance agent to find out more.
Auto Thefts in Aberdeen
All insurance companies are worried regarding auto theft; this runs specifically true for car owners who reside in sizeable towns and cities. The greater the population, the higher the chance that you may have to submit an automobile burglary claim. In recent years, there were only 16 stolen cars in Aberdeen during 2013. This means you could save money by raising your Comprehensive coverage deductible, which pays out auto theft claims.
Your Credit Score
Like many things in life, your credit score will determine whether or not you can get a good deal on your automotive insurance premiums. On one end of the spectrum, companies like State Farm may charge you double the going rate if you have poor credit. Other companies, such as Unitrin, give drivers with poor credit a break and don’t alter prices based on your score.
Your Age
It’s fairly well known that the younger you are, the more you will have to pay for your insurance premiums. Currently, Farmers is offering up the best deal for young drivers in Aberdeen, while Allstate’s rates are the highest. Perhaps a driver’s ed or Good Student discount could help alleviate costs for young drivers.
Your Driving Record
Depending on the severity of your recent driving violations, you may have only a modest rate hike, or you may lose coverage completely. But if you shop around, you may find a provider willing to lower your rates thanks to an “accident forgiveness” discount.
Your Vehicle
Older cars, used cars, and vehicles with a lower retail value won’t necessitate carrying robust coverages in high amounts, which explains why their insurance is so much cheaper. Luxury vehicles, on the other hand, require much more coverage – and in higher amounts, as well.
Minor Car Insurance Factors in Aberdeen
The factors listed above are much more likely to influence your monthly rate, and to a greater degree than the factors below:
Your Marital Status
Bundling auto policies between you and your spouse can drop your monthly premiums by a few percentage points. And you can save even more by bundling other policies, such as homeowner’s insurance.
Your Gender
It is very hard to say, with any sort of precision, whether or not men or women will pay more for insurance, all other factors being equal. Many companies don’t charge different rates based on gender at all these days.
Your Driving Distance to Work
As far as commuting around Aberdeen goes, the average trip tends to only last about 10 minutes, with some commutes as short as 11 and some as long as 14. A little bit more than 82% of residents will likely be getting around using their own automobile alone, while another 5-14% carpool. Less than 4% walk.
These days, insurance companies are willing to charge you less for driving fewer miles each year, or for only driving during off-peak traffic hours. But even if you dramatically slash your mileage or completely change your daily schedule, you’ll probably save no more than about 3-4%.
Your Coverage and Deductibles
There is an inverse relationship between your deductible and your monthly premium: the lower your deductible, the higher your payments, and vice versa. Raising your deductible will, therefore, lower your monthly rates – but if you have to file a claim, paying that elevated deductible could put you in a financial hard spot.
Education in Aberdeen, SD
Aberdeen is a well-off city when it comes to education. More than 30% of residents have successfully made it all the way through high school, and another 18% have gone on to earn a bachelor’s degree. And while having a higher education is nice on its own, it gets even nicer when your degree entitles you to cheaper rates on your auto insurance!
Aberdeen is home to not just one, but two colleges where students can earn a bachelor’s degree or higher. The first, Northern State University, is a public school which offers both graduate and bachelor’s degrees. It has been around since 1901 and boasts a low student-teacher ratio. Additionally, Presentation College is a private university which is closely affiliated with the Catholic Church. They have a renowned medical school and several satellite campuses throughout the state.
You shouldn’t allow an undesirable auto insurance agency persuade you into choosing an auto insurance policy which is not good for you. Yes, the total amount of information required in order to assess your own personal risk profile could be overwhelming, but comparison web sites like this may help make things much easier. Just enter a few factors below, and allow us to take it from there.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Sources:
South Dakota Department of Labor and Regulation – Division of Insurance
South Dakota Department of Labor and Regulation – Division of Banking
Department of Highway Safety and Motor Vehicles
Census.govhttps://www.census.gov/
Get started comparing rates today. It’ll only take a couple of minutes, and you could save lots of money!