Wilmot Auto Insurance Rates, Quotes, Agents & Reviews in SD

Wilmot, SD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Wilmot, SD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Average Cost of Car Insurance in Wilmot, SD

The average cost of car insurance in Wilmot, SD, is $1,323. Car insurance is vital for anyone driving on the road. Therefore, it is significant for car owners to insure their cars. But, since many insurance providers are available in the market, car owners may find it difficult to choose the one that suits their needs and meets their budget. In order to seize the best deal, you should compare different prices and terms available in the market. 

Several factors determine the cost of auto insurance in Wilmot, SD. Although multiple elements impact the car insurance rates in Wilmot, SD, some aspects might not be related to your driving history or location. For instance, drivers' age, gender, and marital status are a few aspects that influence car insurance rates in Wilmot, SD. 

a. Choose a high deductible

If you're looking to save a little money, opt for a higher deductible. The deductible is the amount that the policyholder must pay first before their insurance provider pays any expenses. Choosing a higher deductible can help lower your car insurance rates in Wilmot, SD. 

For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,796, whereas car owners who opted for a deductible of 500 pay $2,126 on car insurance in Wilmot, SD. 

b. Consider the driver's age

Young drivers are inexperienced behind the wheel and tend to take more risks when driving. As a result, they're more likely to be involved in an accident. This increases the costs of repairs and could be liable for other people's medical bills. Therefore, insurance providers charge higher premiums for young drivers. Experienced drivers aged 21-30 years pay $1,309 on car insurance in Wilmot, SD. In contrast, teenage drivers pay $4,293 on auto insurance. When compared, teenagers spend an extra $2,984 on car insurance in Wilmot, SD.


c. Avoid Driving under the influence (DUI)

When purchasing car insurance, one of the most overlooked factors is your driving history. Whether you're a reckless driver or a cautious commuter, your driving history can negatively affect your auto insurance rates in Wilmot, SD. Car owners cannot control every aspect of their driving history, but making sure that they are registered and insured may raise your chances of getting lower car insurance rates. DUI (Driving Under Influence) is a grave offense. Car owners convicted of DUI can add extra burden on their pockets as the auto insurance rates increases. 

For instance, in Wilmot, SD, the average auto insurance cost is $1,323. Post-DUI, the cost of insurance is $2,323. If the auto owner is convicted of DUI, they have to pay an extra $1,000 on their average auto insurance rates in Wilmot, SD.

Factors that can influence the cost of car insurance in Wilmot, SD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Wilmot, SD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Wilmot, SD with that of other cities in and around Wilmot.

Wilmot Corona Peever Becker Geneseo Lee
Average Insurance Rates $1,323 $1,308 $1,288 $2,037 $1,405 $1,410

Wilmot, SD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Wilmot, SD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Wilmot $2,126 $1,796
Lee $1,730 $1,462
Corona $1,321 $1,116
Spring Grove $2,023 $1,709
Geneseo $1,476 $1,247
Becker $2,098 $1,772
Kilborn $1,017 $859
Peever $1,421 $1,201

Wilmot, SD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Wilmot, SD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,293
20 Years $1,700
30 Years $1,309
40 Years $1,260
50 Years $1,167
60 Years $1,183
70 Years $1,377

Wilmot, SD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Wilmot, SD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,302 $344
3 Vehicles $3,453 $516
4 Vehicles $4,604 $688

Savings on 2 Vehicles bundle:$344

Savings on 3 Vehicles bundle:$516

Savings on 4 Vehicles bundle:$688

Wilmot, SD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Wilmot, SD.

Location Average Insurance Cost Post DUI Insurance Rate
Wilmot $1,323 $2,323
Lee $1,410 $2,476
Corona $1,308 $2,297
Spring Grove $1,964 $3,448
Geneseo $1,405 $2,467
Becker $2,037 $3,577
Kilborn $987 $1,733
Peever $1,288 $2,262

Wilmot, SD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,135
Excellent (740-799) $1,296
Good (670-739) $1,379
Average (580-669) $1,799
Poor (300-579) $2,158

Wilmot, SD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Hudson Bay Insurance None 711 Main St, Wilmot, 57279 None
Pickthorn Insurance Agency None 520 Veterans Ave, Sisseton, 57262 None
Dakota Insurance Agency None 228 S Main St, Milbank, 57252 None
Bonnie Ceroll State Farm 113 E Oak St, Sisseton, 57262-1413 605-698-3136
Insurance Solutions Plus Of Milbank, Inc. None 209 S Main St, Milbank, 57252 None
Hewitt Insurance Agency Inc None 418 Main St, Langford, 57454 None

Wilmot, SD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$58 $1,381
Driver's Failure In Showing Documents +$128 $1,451
Driving With An Expired Registration +$136 $1,459
Driving At A Considerably Slow Pace +$287 $1,610
Using A Cellphone While Driving +$303 $1,626
Running A Red Light +$308 $1,631
Speeding +$324 $1,647
Driving A Vehicle Without The Required Permission +$411 $1,734
Driving With An Expired/Suspended License +$892 $2,215

Wilmot, SD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,270
Active Disabling Device $1,270
Tracking Device $1,244
Passive Disabling Device $1,230