Car Insurance in Aberdeen, SD
Find trustworthy answers to your questions about car insurance in Aberdeen.
Aberdeen, SD, is a quiet but colorful college town with a population of just under 30,000 people. Whether you've lived in Aberdeen all your life or are in the city for your studies, there are many things to love here, including the relaxing Mina Lake and Richmond Lake State Recreation Areas.
If you're into movies, you have even more to look forward to. Catch a flick at the vintage Capitol Theatre, watch a show at Northern State University's Johnson Fine Arts Center or get tickets to the annual South Dakota Film Festival in town. With such a relaxed atmosphere, how important is car insurance in Aberdeen?
Despite its small population, Aberdeen still has car accidents every year. In 2022, there were more than 270 crashes. or about five per week. About 500 people were injured as a result.
These numbers aren't as high percentage-wise as larger cities in South Dakota, such as Sioux Falls or Rapid City. That said, it's impossible to predict who will be the next driver involved in a crash. You can only control your actions, not the way other drivers act.
Good car insurance coverage should adapt to your needs and budget. This means that you should invest in protection that covers risks you commonly face on the road, but you don't necessarily need the most expensive policy.
You may save money by limiting add-ons or sticking with basic coverage in some places. VIU by HUB puts the power to choose in your hands. It's easy to compare multiple insurance companies and get an idea of how much you would pay.
On average, Aberdeen auto insurance costs about $115 a month or $1,350 a year. This is less than the state average and the U.S. average. How much you pay depends on many factors, from your credit rating to your vehicle's make and model.
Investing in some additional coverage can be valuable, such as:
On the other hand, there's no reason to pay extra for coverage you don't use. If you walk most places, basic coverage may be enough.
Before choosing local insurance coverage, consider a few statistics.
Aberdeen doesn't have public transportation, so the majority of people drive. Most families have two vehicles. About 80% of the population takes a personal vehicle to work or college.
One of the main sources of daily traffic in Aberdeen are NSU and Presentation College. About 8,000 students attend classes there, though some live on campus. Every day, U.S. Highway 12 and U.S. Highway 281 have between 3,000 and 7,000 vehicles.
Aberdeen has freezing winters, with average lows in January of almost zero degrees Fahrenheit. The city gets about 40 inches of snow every year, and icy roads are common. Some accidents happen because vehicles lose control on the ice.
Only you can decide the level of car insurance in Aberdeen that meets your needs. VIU by HUB can help you see what each policy offers. That way, you can make a decision with all the facts and potentially save money.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
