For a 40-year-old driver with a clean record, car insurance in Brookings, SD, averages about $160 a month ($1,918 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% below the South Dakota average of $194 a month. Progressive has the lowest full-coverage average of the five major insurers we compared (American Family, Farmers Mutual of Nebraska, North Star Mutual, Progressive and State Farm), at about $106 a month. Compare auto insurance quotes in Brookings, SD, with these averages in hand.
Brookings has the lowest full-coverage average of the 26 South Dakota cities and towns in our city table, about $160 a month ($1,918 a year) for our benchmark driver, about $34 a month less than the South Dakota average.
Our figures cover ZIP code 57006, which has a Brookings mailing address. Another ZIP code inside the city, 57007, isn’t among the ZIP codes we price.
Cost data comes from the auto rates insurers file with state regulators, priced in ZIP code 57006, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Brookings, SD?
Car insurance in Brookings, SD, costs about $160 a month ($1,918 a year) for full coverage and $25 a month for liability-only coverage at South Dakota’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 18% below the South Dakota average of $194 a month.
- Full coverage (100/300/100, $500 deductibles): $1,918 a year ($160 a month)
- 50/100/50 with $500 deductibles: $1,863 a year ($155 a month)
- Liability only (25/50/25): $297 a year ($25 a month)
- Brookings County: $1,918 a year ($160 a month) for full coverage
- South Dakota average: $2,329 a year ($194 a month) for full coverage
Cheapest Car Insurance in Brookings, SD: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $106 a month ($1,274 a year).
- Next lowest any driver can buy: Farmers Mutual of Nebraska, at about $133 a month, then State Farm at $156.
- Lowest liability-only average (25/50/25): Progressive, at about $14 a month, then Farmers Mutual of Nebraska at $17.
- Also on our list: USAA at about $112 a month, Allstate at $163, Nationwide at $168 and GEICO at $178 (USAA sells only to military families).
- Most expensive in our data: American Family, at about $215 a month, $1,303 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the five insurers in our Brookings rate data. The seven published 2026 statewide South Dakota rate studies we reviewed split on the cheapest insurer for full coverage, apart from USAA: three put Farmers Mutual of Nebraska first, three Progressive and one State Farm. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the five major insurers we compared, at about $14 a month, followed by Farmers Mutual of Nebraska at $17.
Full-coverage averages by insurer in Brookings
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $167 | $14 | $1,274 | $106 |
| Farmers Mutual of Nebraska | $199 | $17 | $1,593 | $133 |
| State Farm | $302 | $25 | $1,872 | $156 |
| North Star Mutual | $292 | $24 | $2,274 | $190 |
| American Family | $525 | $44 | $2,577 | $215 |
| USAA (military families)* | $236 | $20 | $1,344 | $112 |
| Allstate* | $466 | $39 | $1,959 | $163 |
| Nationwide* | $486 | $41 | $2,021 | $168 |
| GEICO* | $249 | $21 | $2,135 | $178 |
| Brookings average | $297 | $25 | $1,918 | $160 |
This table uses ZIP code 57006 only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Brookings?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $55 a year on average in our Brookings data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Brookings?
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Brookings ZIP code, their full-coverage average fell from $1,843 a year nine months earlier to $1,829 in rates as of Aug. 31, 2026, a 0.8% drop. Progressive cut its Brookings average 4.9%, while State Farm raised its average 0.5%; American Family’s and Farmers Mutual of Nebraska’s averages were unchanged. North Star Mutual is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Brookings average above. Liability-only coverage at 25/50/25 limits fell 0.3%, led by State Farm, which cut its liability-only average 1.6%.
What Keeps Car Insurance Costs Down in Brookings
Brookings County, which in our data is ZIP code 57006, is the least expensive of the 20 South Dakota counties we price. Progressive, State Farm and American Family all have their lowest full-coverage averages in our South Dakota data here: about $106, $156 and $215 a month.
Watertown, about 45 miles north, is the second-least expensive place we price, at about $167 a month, while Madison, about 25 miles southwest, averages $183 and Dell Rapids, to the south, $183. Prices depend on where in South Dakota you live, not just on your car and driving record.
How Brookings Car Insurance Compares With Other South Dakota Cities
More South Dakota cities and towns are in the South Dakota rates by city table, and you can compare states on our car insurance rates by state page.
Sioux Falls, about 53 miles south, averages $181 a month, and Aberdeen, about 115 miles northwest, $175. Rapid City, across the state, averages $226. For the statewide picture, see our guide to South Dakota car insurance rates.
What Car Insurance Is Required in Brookings?
Drivers in Brookings follow South Dakota’s rules. Every policy must include at least:
- $25,000 per person and $50,000 per crash for injuries you cause, and $25,000 for property damage (25/50/25)
- Uninsured and underinsured motorist coverage at the same limits as your bodily injury coverage, so at least $25,000 per person and $50,000 per crash
South Dakota is an at-fault state with no personal injury protection requirement, so the driver who causes a crash pays through their liability coverage. Insurers must offer medical payments coverage when you apply, according to the Division of Insurance, but you can decline it. Our South Dakota requirements guide covers the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Brookings
- Compare Progressive and Farmers Mutual of Nebraska first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Brookings data, about $106 and $133 a month.
- Quote several insurers. In our Brookings data, the lowest and highest insurer averages are about $109 a month apart for the same driver and car.
- Decide on medical payments coverage. Insurers must offer it when you apply, and if you buy it, it pays at least $2,000 per injured person regardless of fault, under SDCL 58-23-8. Compare it with your health coverage before you add it.
- Compare at every renewal. Over the past nine months, Progressive has cut its Brookings average 4.9%, while State Farm has raised its average 0.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in South Dakota, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Brookings Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: five full-coverage premiums from five insurers in ZIP code 57006, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at South Dakota’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. That package meets South Dakota’s minimum: 25/50/25 liability plus uninsured and underinsured motorist coverage at the same limits as the bodily injury coverage.
- Calculation: for each insurer we take its lowest eligible price in ZIP code 57006. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. North Star Mutual is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 South Dakota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from South Dakota law and the South Dakota Division of Insurance. We refresh these figures when new rate data is released.
Brookings Car Insurance FAQ
Car insurance in Brookings, SD, costs about $160 a month ($1,918 a year) for full coverage and $25 a month for liability-only coverage at South Dakota’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 18% below the South Dakota average of $194 a month.
Progressive has the lowest full-coverage average in our Brookings rate data, at about $106 a month, followed by Farmers Mutual of Nebraska at $133 among insurers anyone can buy from. USAA, which sells only to military families, averages about $112 a month. For liability-only coverage, Progressive has the lowest average of the five major insurers we compared, at about $14 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, yes. Brookings has the lowest full-coverage average of the 26 South Dakota cities and towns we price, about $160 a month ($1,918 a year) for our benchmark driver, followed by Watertown at $167, and Brookings County is the least expensive of the 20 counties we price.
Yes, for our benchmark driver. Brookings full coverage averages about $160 a month and Sioux Falls about $181, a difference of about $21 a month for the same driver and car.
In our Brookings data, full coverage (100/300/100 with $500 deductibles) averages about $160 a month and liability-only coverage at 25/50/25 limits about $25, a difference of about $135 a month ($1,621 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Dakota law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Brookings must carry South Dakota’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25), plus uninsured and underinsured motorist coverage at the same limits as the bodily injury coverage. South Dakota is an at-fault state with no personal injury protection requirement, and insurers must offer medical payments coverage, which you can decline.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (North Star Mutual is new over the past nine months), their Brookings full-coverage average fell 0.8%, from about $1,843 to $1,829 a year. That’s lower than the Brookings average of $1,918 because it leaves out North Star Mutual. Progressive cut its Brookings average 4.9%, while State Farm raised its average 0.5%. Liability-only coverage at 25/50/25 limits fell 0.3%.
For our benchmark driver, full coverage in Brookings averages about $160 a month. Nearby, Sioux Falls averages about $181, Aberdeen about $175 and Rapid City about $226. Brookings is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
