Cheapest Auto Insurance in Aberdeen, South Dakota (2025)

Aberdeen, the third most-populous city in South Dakota, is located in the northeastern part of the state in Brown County. The average car insurance rates in Aberdeen are $57 for liability-only and $149 for full coverage.

Aberdeen drivers pay slightly less than the statewide average of $59 for liability insurance and $136 for full coverage. This could be due to the city’s population density of 1,725 people per square mile.1

Here’s what to know about finding cheap auto insurance in Aberdeen.

Cheapest car insurance companies in Aberdeen 

The cheapest auto insurance company for you depends on factors such as your age, driving record, ZIP code, and the type of coverage you choose. It’s important to compare rates from multiple insurers to find the right combination of affordability and coverage for your specific needs.

The table below shows the top auto insurers for Aberdeen drivers. The rates in the table are for South Dakota.

Best insurer for high-risk drivers: Bristol West

Best insurer for discounts: Safeco

Best insurer for military members: USAA

How to get the cheapest car insurance in Aberdeen

Finding a cheap car insurance policy depends on factors such as your age, driving record, and the type of vehicle you drive.

Here are some potential ways to lower your car insurance premiums:2

• Shop around. Like any major purchase, it’s important to shop around to find the right policy for your needs. Enter your demographic information, vehicle details, and desired coverage into an insurance-comparison website to receive quotes from multiple insurers simultaneously.

• Ask about discounts. Discounts are an easy way to save money on your auto policy. They vary by insurer but may include discounts for good drivers, safe vehicles, and customer loyalty.

• Bundle your insurance. Many insurance companies offer discounts when you purchase multiple policies through them, such as your auto, life, and homeowners insurance. This is often referred to as “bundling” policies.

Cheapest liability-only car insurance in Aberdeen

If you cause an accident, liability-only car insurance helps cover the cost of the injuries of the other driver and their passengers. It also helps pay to repair or replace the other driver’s vehicle. It’s considered minimum coverage since it doesn’t offer protection for yourself, your passengers, or your vehicle.

South Dakota drivers are required to have liability insurance, which costs $59 per month, on average.

Here are the average monthly quotes for liability-only car insurance in Aberdeen.

Cheapest full-coverage car insurance in Aberdeen

Full-coverage car insurance offers greater financial protection on the road, as it typically includes liability insurance as well as comprehensive and collision coverage.

If you finance or lease a car, your lender will probably require you to buy full-coverage insurance. Other people may choose to purchase full coverage for the increased protection and peace of mind it brings.

In South Dakota, a full-coverage policy costs an average of $136 per month. Here are average full-coverage car insurance rates from top companies in Aberdeen.

Car insurance requirements in South Dakota

South Dakota law follows a traditional fault-based, or “tort,” system, meaning if you cause a car accident, you’re financially responsible for the resulting losses. Like most states, South Dakota requires all drivers to purchase minimum amounts of insurance coverage.

The table below outlines the minimum liability coverage requirements for South Dakota drivers:3

Some drivers purchase additional insurance types to cover a broader range of scenarios on the road.

Here are some optional coverages to consider:

Cheapest car insurance for drivers with an incident

You might see a spike in your insurance premium if you’re involved in certain incidents on the road, such as at-fault accidents, speeding, and driving under the influence (DUI).4

The table below will help you understand how various incidents could affect your car insurance rates.

Average cost of car insurance by age

Senior drivers and teen drivers generally pay more for car insurance. Young drivers have less experience on the road and higher accident rates.5 Similarly, older drivers might have age-related changes, such as differences in hearing or slower reflexes, that affect their driving skills.6

Here are some car insurance quotes by age in Aberdeen.

Aberdeen car insurance quotes by credit tier

Like most states, South Dakota allows auto insurance companies to consider your credit history when calculating your insurance rates.

People with poor credit scores pay more for car insurance than people with excellent or good credit scores because, statistically, people with a low insurance score are more likely to file a claim.7

Here are the average monthly quotes for Aberdeen drivers for each of the following credit tiers: