Home Car insurance Average car insurance cost Car insurance rates by state South Dakota Aberdeen, SD Average car insurance cost in Aberdeen, SD The car insurance rates in Aberdeen, South Dakota is $1,983 per year. Nationwide offers the cheapest car insurance in Aberdeen at $1,219 per year. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average car insurance cost in Aberdeen, South Dakota is $1,983 per year, according to Insure.com data analysis. Also, the car insurance rates in Aberdeen is $297 less than the average rates in South Dakota and $88 more than the national average.City average ratesState average ratesNational average cost$1,983$2,280$1,895 Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.This article provides details on the most and least expensive car insurance companies in Aberdeen, the average car insurance rates categorized by age and gender, and the cost of car insurance in Aberdeen based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Aberdeen. Read on to learn more.Key TakeawaysCar insurance costs $1,983 per year, on average, in Aberdeen.Nationwide offers the cheapest car insurance in Aberdeen, at an average of $1,219 per year.Young adults pay $2,976 per year for car insurance in Aberdeen.Cheap car insurance companies in AberdeenAt an average of $1,219 per year with full coverage limits of 100/300/100, Nationwide provides the most affordable car insurance in Aberdeen.Ranked as the second most affordable company in Aberdeen, Farmers Mutual of Nebraska provides car insurance at $1,842 per year.As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Aberdeen that align with your needs before selecting a policy.The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Aberdeen, South Dakota:Company NameAverage annual costAverage monthly costNationwide$1,219$102Farmers Mutual of Nebraska$1,842$154Allstate$1,882$157State Farm$1,949$162Farmers$1,962$163Auto Owners$2,036$170Geico$2,114$176Iowa Farm Bureau$2,240$187North Star Mutual$2,468$206Progressive$2,553$213USAA$1,554$129Read about the best car insurance companies.Average car insurance cost in Aberdeen by coverage limitsThe average car insurance rates in Aberdeen based on coverage types are as follows:State minimum coverage: $313 per year (limits are 25/50/25)Liability only coverage: $343 per year (limits are 50/100/50)Full coverage: $1,983 per year (limits are 100/300/100)Non-owners coverage: $173 per yearIn many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.Average car insurance rates by gender in AberdeenIn Aberdeen, South Dakota, the average annual car insurance premium for female drivers is $1,959 per year.While the average annual cost for male drivers is $2,008 per year, which is $49 more than what female drivers pay, according to a rate analysis by Insure.com.According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.Read more on how gender affects car insurance rates.Average car insurance rates by age in AberdeenIn Aberdeen, car insurance rates are highest for teens, averaging $5,630 per year or $469 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $2,976 annually for their car insurance, which is $2,654 less than what teens pay for their coverage.In Aberdeen, adult drivers pay an average of $1,944 per year for car insurance, while senior drivers pay $1,736 annually.According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.Read more on auto insurance for seniors.The table below lists the average annual rates for drivers of different age groups:Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$5,630$2,976$1,944$1,736Car insurance rate trends in AberdeenExamining the trends in car insurance rates in Aberdeen, South Dakota it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 48%, or $639.The table below shows the trend for last four years:2016 rates2019 rates2022 rates2023 rates$943$1,385$1,344$1,983ConclusionIn conclusion, the insurance rates in Aberdeen, are lower than the average insurance cost in South Dakota. Shopping around and taking advantage of available discounts, drivers in Aberdeen can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesBrookingsSioux FallsWatertownPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in AberdeenAverage car insurance cost in Aberdeen by coverage limitsAverage car insurance rates by gender in AberdeenAverage car insurance rates by age in AberdeenCar insurance rate trends in AberdeenConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates