Buy Cheap Philip, SD Auto Insurance (2021)

Philip, SD auto insurance rates average $379 a month. Minimum auto insurance requirements in Philip, South Dakota are 25/50/25 to comply with South Dakota laws. To buy cheap auto insurance in Philip, SD, compare Philip auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Philip, SD for teens drivers are $8,725/year
  • The most expensive auto insurance company in Philip after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Philip is Liberty Mutual

Finding affordable Philip, South Dakota auto insurance can be challenging, but everything you need to know to buy cheap Philip, SD auto insurance with confidence is right here. Auto insurance rates in Philip are affected by local factors as well as personal ones like your driving record.

See how Philip, SD car insurance rates compare to Yankton auto insurance rates, Mitchell auto insurance rates, and Sioux Falls auto insurance rates before you read more about the cost of auto insurance in Philip.

Don’t buy Philip, SD auto insurance until you’ve compared rates. Get free Philip, South Dakota auto insurance quotes when you enter your ZIP code above.

Philip, SD Minimum Auto Insurance Requirements

The required auto insurance in Philip, SD is 25/50/25 according to the auto insurance laws in South Dakota. The minimum auto insurance in Philip, South Dakota is outlined here.

Minimum Required Auto Insurance Coverage in Philip, South Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Philip, SD Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Philip, SD. Take a look at Philip, South Dakota auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Philip, South Dakota

Insurance Company Poor Fair Good
Allstate $5,860 $4,583 $3,977
American Family $5,228 $3,769 $3,193
Farmers $4,808 $4,045 $3,880
GEICO $6,479 $3,286 $2,229
Liberty Mutual $13,007 $7,761 $6,098
Nationwide $3,886 $3,046 $2,674
Progressive $5,011 $4,126 $3,794
State Farm $4,103 $2,452 $1,899

Buy Cheap Philip, SD Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Philip, South Dakota auto insurance rates? Find out how car insurance rates in Philip, SD are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Philip, South Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,508 $2,560 $2,214 $2,369 $10,421 $12,451 $2,835 $3,096
American Family $2,939 $2,939 $2,598 $2,598 $6,026 $8,854 $2,939 $3,613
Farmers $2,268 $2,277 $1,998 $2,072 $9,849 $10,244 $2,532 $2,713
GEICO $3,279 $3,096 $3,153 $2,905 $6,339 $7,536 $2,881 $2,795
Liberty Mutual $5,146 $5,610 $4,059 $4,938 $19,027 $21,372 $5,433 $6,058
Nationwide $2,280 $2,349 $2,031 $2,179 $4,969 $6,458 $2,557 $2,791
Progressive $2,547 $2,532 $2,094 $2,150 $8,706 $9,939 $3,192 $3,322
State Farm $2,035 $2,035 $1,715 $1,715 $4,462 $5,799 $2,264 $2,516

Buy Cheap Philip, SD Auto Insurance for Teen Drivers

Auto insurance for teenagers in Philip can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Philip, SD are listed here.

Annual Auto Insurance Rates for Teen Drivers in Philip, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,421 $12,451
American Family $6,026 $8,854
Farmers $9,849 $10,244
GEICO $6,339 $7,536
Liberty Mutual $19,027 $21,372
Nationwide $4,969 $6,458
Progressive $8,706 $9,939
State Farm $4,462 $5,799

Buy Cheap Philip, SD Auto Insurance for Seniors

You can save on senior auto insurance rates in Philip, South Dakota by comparing Philip senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Philip, SD here.

Annual Auto Insurance Rates for Senior Drivers in Philip, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,214 $2,369
American Family $2,598 $2,598
Farmers $1,998 $2,072
GEICO $3,153 $2,905
Liberty Mutual $4,059 $4,938
Nationwide $2,031 $2,179
Progressive $2,094 $2,150
State Farm $1,715 $1,715

Find Cheap Auto Insurance Rates in Philip, SD by Coverage Level

The amount of coverage you choose is a big factor in the cost of Philip, South Dakota auto insurance. Compare Philip, SD auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Philip, South Dakota

Insurance Company Low Medium High
Allstate $4,654 $4,798 $4,968
American Family $4,106 $4,185 $3,899
Farmers $4,094 $4,206 $4,432
GEICO $3,920 $3,995 $4,080
Liberty Mutual $8,801 $8,940 $9,124
Nationwide $3,029 $3,189 $3,388
Progressive $4,219 $4,279 $4,432
State Farm $2,760 $2,818 $2,875

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Find Cheap Philip, SD Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Philip. Compare auto insurance rates in Philip, SD by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Philip, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,689 $4,924
American Family $4,013 $4,113
Farmers $4,244 $4,244
GEICO $3,952 $4,045
Liberty Mutual $8,955 $8,955
Nationwide $3,202 $3,202
Progressive $4,310 $4,310
State Farm $2,750 $2,885

Find Cheap Philip, SD Auto Insurance Rates by Driving Record

Auto insurance rates in Philip, South Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Philip, SD, take a look at the average cost for various violations versus rates for a clean driving record in Philip.

Annual Philip, South Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,979 $4,630 $6,159 $4,459
American Family $2,949 $4,337 $5,591 $3,376
Farmers $3,621 $4,563 $4,452 $4,340
GEICO $2,501 $4,261 $6,730 $2,501
Liberty Mutual $7,562 $9,343 $9,756 $9,160
Nationwide $2,301 $3,211 $4,618 $2,678
Progressive $3,725 $4,999 $4,021 $4,496
State Farm $2,678 $2,957 $2,818 $2,818

Find Cheap Philip, SD Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Philip, South Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Philip for less when you shop around and compare rates from multiple Philip, SD auto insurance companies.

Annual Auto Insurance Rates After a DUI in Philip, South Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,159
American Family $5,591
Farmers $4,452
GEICO $6,730
Liberty Mutual $9,756
Nationwide $4,618
Progressive $4,021
State Farm $2,818

Winners by Category: Where to Buy Cheap Auto Insurance in Philip, SD

Compare rates from the cheapest auto insurance companies in Philip, SD for your needs. Take a look at how Philip, South Dakota auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Philip, South Dakota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record Nationwide
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Find Cheap Philip, South Dakota Auto Insurance Companies

If you’re looking for the cheapest Philip, SD auto insurance companies overall, you can compare them here. Find the best price for Philip, South Dakota car insurance by company.

Average Annual Auto Insurance Rates by Company in Philip, South Dakota

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,063
Farmers $4,244
GEICO $3,998
Liberty Mutual $8,955
Nationwide $3,202
Progressive $4,310
State Farm $2,818

What affects Philip, South Dakota auto insurance rates?

Local factors affect auto insurance rates in Philip, SD, including traffic, theft statistics, and commute length. Take a look at the things that impact Philip auto insurance rates.

Commute Times in Philip

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Philip, SD is 7.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Philip, SD

You can buy cheap Philip, SD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Philip, South Dakota auto insurance quotes from top companies.

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