Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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Freeman, SD Auto Insurance Summary Table
Freeman, South Dakota StatisticsDetails
Population1,322
Density1,322 people per square mile
Average Cost of Insurance in Freeman$3,821.89
Cheapest Car Insurance Company State Farm ($2,094.82)
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With just 1,322 people and a land area of only 1.07 square miles, you might be thinking that Freeman auto insurance rates couldn’t possibly vary all that much. Keep reading to learn how South Dakota auto insurance rates change depending on your needs, even in this idyllic Midwestern town.

In this comprehensive guide, we’ll compare Freeman, SD auto insurance rates, explore different coverage options, and provide insight into factors that affect your auto insurance amounts to help you find the best quotes for your specific needs.

You may be asking, “How do I find auto insurance near me in Freeman, SD?” Enter your ZIP code in our FREE tool above to compare affordable car insurance rates.

Table of Contents

Auto Insurance Rates in Freeman, SD

The average auto insurance cost in Freeman is $318.49 per month or $3,821.89 annually. Many factors are used to determine your insurance services in Freeman, SD. Companies often determine your auto insurance by ZIP code, but fortunately, in Freeman, there is only one ZIP code to cover.

However, rates do vary for auto insurance by age and gender in Freeman, and companies take into consideration your credit history and your driving record.

If you’re wondering who receives the best auto insurance rates in Freeman, it’s married women over the age of 60.

If that does not describe you, don’t worry. We’ll cover all circumstances that affect your auto insurance costs to help determine what coverage is best for you.

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Auto Insurance Agencies in Freeman, SD?

Here’s a short list:

Mark Kasten
362 S. Main St, Freeman, SD 57029
(605) 9257353

Corinsurance
174 E 4th St, Freeman, SD 57029
(605) 9254226

Insurance Services
913 E 6th St, Freeman, SD 57029
(605) 9254128

Kevin Albrecht
44565 277th St, Marion, SD 57043
(605) 9254659

Hometown Insurance Agency
211 N Broadway Ave, Marion, SD 57043
(605) 6483683

Farmers Union Insurance Gary Schelske
122 South Fifth St, Menno, SD 57045
(605) 3875555

Lehr Insurance
229 S 5th St, Menno, SD 57045
(605) 3872447

James C Julson
251 N Main Ave, Bridgewater, SD 57319
(605) 7292274

Berens Insurance Agency
140 N Main St, Parker, SD 57053
(605) 2972013

Sharla J Rand
100 N Main Ave, Parker, SD 57053
(605) 2974840

Do gender and age affect my auto insurance in Freeman, SD?

The easy answer is yes, companies will determine your auto insurance rates by gender and age. According to DataUSA, the median age in Freeman is 45.5 and the population is 55 percent female.

Lucky for them, women 35 and older pay thousands less than their younger driver counterparts, especially 17-year-old males, who ultimately pay the most. Look at the data below to see where you fit in.

Freeman, SD Average Annual Auto Insurance Rates by Age
AgeAverage Annual Rate
17$7,830.64
25$2,532.69
35$2,268.96
60$2,001.99
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It’s well known that auto insurance for teenagers is higher than average because of their lack of driving experience. So, if you’re a male, don’t worry too much. Age is a more important factor than gender when determining your auto insurance rates.

See what we mean in the table below.

Freeman, SD Average Annual Auto Insurance Rates by Gender
GenderAverage Annual Auto Insurance Rate
Female$3,444.80
Male$3,658.57
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Some states have banned using gender as a means for determining auto insurance rates. However, South Dakota still bases average auto insurance rates by gender and age monthly.

If you’re worried about how gender can affect auto insurance rates, remember that the cost differences between what men versus women pay are much less than the differences between what a 25-year-old and a 60-year-old pay.

What ZIP codes have the cheapest insurance rates in Freeman, SD?

Auto insurance companies do factor in your ZIP code when determining your rates. The lowest insurance ZIP codes are often safe places to live with very little crime. The highest auto insurance rates by ZIP codes tend to be in areas with more crime.

Those living in the chislic capital of America know that Freeman is a city big in heart but small in size. There is only one ZIP code that covers the entire city.

Fortunately for you, prospective Freemans and Freeman locals, you do not have to worry about changes in your auto insurance by ZIP code standards. Unless you have a different ZIP code than 57029, then maybe you should be looking at a different city article.

Who are the best auto insurance companies in Freeman, SD?

We’ve all heard that best is a relative term, and that applies to ranking auto insurance companies too. Getting the best auto insurance quotes depends on your specific demographics and coverage needs.

As you shop around for lower auto insurance rates, think about who else will be on your policy. A teenage son or daughter? A husband or wife?

Other factors come into play as well, including the length of your commute, driving records, and even credit history. To avoid being in the group paying the highest auto insurance rates by Freeman standards, keep reading to find out what we mean.

Cheapest Auto Insurance Rates by Company in Freeman, SD

Still wondering which company will offer you your most affordable auto insurance option? Take a look at the average rates of top auto insurance companies in Freeman in the table below.

Freeman, SD Average Annual Auto Insurance Rates by Marital Status
GroupMarried 60-Year-Old Female RatesMarried 60-Year-Old Male RatesMarried 35-Year-Old Female RatesMarried 35-Year-Old Male RatesSingle 25-Year-Old Female RatesSingle 25-Year-Old Male RatesSingle 17-Year-Old Female RatesSingle 17-Year-Old Male Rates
State Farm$1,226.06$1,226.06$1,419.67$1,419.67$1,589.45$1,793.36$3,546.77$4,537.55
Progressive$1,480.58$1,531.01$1,797.54$1,763.54$2,250.64$2,354.86$6,722.17$7,628.58
Farmers$1,583.44$1,650.69$1,800.58$1,803.71$2,014.13$2,142.82$8,206.74$8,527.53
Nationwide$1,592.38$1,700.10$1,780.40$1,828.95$2,000.94$2,174.44$3,909.03$5,045.32
Geico$2,040.92$1,880.67$2,137.26$2,013.13$1,873.06$1,792.44$4,397.65$5,173.58
Allstate$2,139.32$2,288.13$2,428.31$2,483.68$2,751.51$3,013.03$9,928.27$11,846.88
American Family$2,598.10$2,598.10$2,938.64$2,938.64$2,938.64$3,613.08$6,026.27$8,853.59
Liberty Mutual$2,931.90$3,564.39$3,713.93$4,035.70$3,893.89$4,326.68$14,575.50$16,364.77
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Unpacking the data in this table, it’s clear that Liberty Mutual won’t offer you the best rates regardless of your circumstances. You may also struggle to get a competitive quote from Allstate and American Family.

For most demographics, State Farm offers the lowest quotes. However, if you’re a 25-year-old male, Geico takes the lead by less than a dollar annually. That’s literally pennies per month. It would be wise to pay close attention to those two companies if you fall within that category.

Keep in mind, other factors will affect your auto insurance rates, including your driving record, the length of your commute, and your credit history.

Considering these additional components, it’s easy to see the benefits of comparing auto insurance quotes, especially if you’re under the age of 35. Comparing multiple companies will prevent you from paying more than you need to.

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Best Auto Insurance for Commute Rates in Freeman, SD

Did you know some auto insurance companies offer different rates because of the length of your commute? South Dakota residents drive an average of 15,125 miles annually.

In Freeman, the average commute is around 18.4 minutes, this is less than the national average of 25.1 minutes. However, 4.1 percent of the Freeman workforce are considered super commuters, which means they drive 90 minutes or more to get to work.

When it comes to auto insurance, commute distance will potentially impact your rates. See what we mean in the table below.

Freeman, SD Average Annual Auto Insurance Rates by Commute
CompaniesRates for
10 Miles Commute
6,000 Annual Mileage
Rates for
25 Miles Commute
12,000 Annual Mileage
Average Rates
State Farm$2,044.55$2,145.09$2,094.82
Nationwide$2,503.94$2,503.94$2,503.94
Geico$2,631.19$2,695.99$2,663.59
Progressive$3,191.11$3,191.11$3,191.11
Farmers$3,466.20$3,466.20$3,466.20
American Family$4,012.81$4,113.46$4,063.14
Allstate$4,497.24$4,722.54$4,609.89
Liberty Mutual$6,675.85$6,675.85$6,675.85
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Some companies, like Nationwide and Progressive, offer the same quote regardless of your commute length. However, State Farm and Geico, the two frontrunners for the cheapest rates in Freeman, do charge more for longer commutes. Definitely take this into consideration when comparing companies based on your individual needs.

While the difference in overall costs based on a commute isn’t too extreme, if you have a long drive to work or are one of the super commuters, you’ll want to compare multiple companies to secure your best auto insurance quote.

Best Auto Insurance for Coverage Level Rates in Freeman, SD

Luckily for those of you living in Freeman, the difference in auto insurance rates from low to medium coverage is minimal, with less than a $100 annual difference from most companies.

Paying just an extra $9 a month for more comprehensive auto insurance coverage can provide you with extra safety, comfort, and peace of mind without breaking the bank.

Freeman, SD Average Annual Auto Insurance Rates by Coverage Level
CompaniesRates for High CoverageRates for Low CoverageRates for Medium CoverageAverage Annual Rates
State Farm$2,158.78$2,030.02$2,095.67$2,094.82
Nationwide$2,655.18$2,363.23$2,493.42$2,503.94
Geico$2,746.38$2,584.03$2,660.37$2,663.59
Progressive$3,297.36$3,110.82$3,165.16$3,191.11
Farmers$3,662.91$3,308.78$3,426.92$3,466.20
American Family$3,899.13$4,105.62$4,184.64$4,063.13
Allstate$4,734.10$4,492.98$4,602.59$4,609.89
Liberty Mutual$6,815.15$6,546.78$6,665.61$6,675.85
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As you can see in the above table, higher coverage options can still be affordable. The extra coverage could save you when the temperature falls below zero in the middle of February and a blizzard hits.

With hail, high winds, and even tornadoes being a common yearly occurrence, it might be worth investing in higher auto insurance coverage options.

Best Auto Insurance for Credit History Rates in Freeman, SD

While some companies offer no credit check auto insurance, and some states have enacted bans on using credit history to determine auto insurance rates, that’s not the case in South Dakota. Your credit history rates have a big impact on what you end up paying.

This video explains how credit can affect your rates.

Here’s a look at the difference in insurance rates for various credit scores.

Freeman, SD Average Annual Auto Insurance Rates by Credit History
CompaniesRates
with Fair Credit
Rates
with Good Credit
Rates
with Poor Credit
Average Annual Rates
State Farm$1,823.25$1,412.91$3,048.31$2,094.82
Nationwide$2,388.11$2,095.95$3,027.77$2,503.94
Geico$2,191.06$1,483.70$4,316.02$2,663.59
Progressive$3,067.22$2,837.07$3,669.05$3,191.11
Farmers$3,311.27$3,174.03$3,913.31$3,466.20
American Family$3,768.69$3,192.77$5,227.94$4,063.13
Allstate$4,395.68$3,816.86$5,617.14$4,609.89
Liberty Mutual$5,814.23$4,562.00$9,651.31$6,675.85
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As you can see, your credit history rates will affect your auto insurance quotes. Good credit history can end up saving you thousands in auto insurance costs compared to those with fair or poor credit history.

Best Auto Insurance for Driving Record Rates in Freeman, SD

Everyone knows that a clean driving record leads to the best auto insurance rates. Your annual costs can increase drastically after just one offense, depending on which company provides your auto insurance.

In Freeman, minor offenses like speeding may only increase your rates by around $100. A more serious offense, such as a DUI, can tack on thousands. See what we mean in the table below.

Freeman, SD Average Annual Auto Insurance Rates by Driving Record
CompaniesRates with
Clean Record
Rates with
One Accident
Rates with
One DUI
Rates with
One Speeding Violation
Average Annual Rates
State Farm$1,958.98$2,230.68$2,094.82$2,094.82$2,094.83
Nationwide$1,818.74$2,511.27$3,580.53$2,105.24$2,636.85
Geico$1,683.98$2,843.81$4,442.59$1,683.98$2,990.13
Progressive$2,749.14$3,743.25$2,963.77$3,308.30$3,152.05
Farmers$2,952.39$3,737.78$3,646.56$3,528.08$3,445.58
American Family$2,948.82$4,337.12$5,590.51$3,376.07$4,292.15
Allstate$3,823.81$4,436.62$5,900.87$4,278.26$4,720.43
Liberty Mutual$5,624.32$6,993.86$7,255.13$6,830.07$6,624.44
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It’s clear to see how your driving record impacts your auto insurance rates. To incentivize safe driving, many companies even offer programs or perks for ongoing clean driving records.

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What affects auto insurance rates in Freeman, SD?

How are auto insurance premiums calculated? If you’re living in Freeman, the most important factors that affect auto insurance rates include your age, your credit history, and your driving record.

Understanding those identifying features will help you get cheap auto insurance without compromising coverage. Auto insurance quotes vary in cost by the company as well, so make sure you pay attention to what you’re comparing when seeking out quotes.

Because of the severe and unpredictable weather in South Dakota, coverage levels should also be considered when finding your ideal auto insurance package.

With the rise in popularity of auto insurance rating tiers, you can now be rewarded for practicing safe driving techniques and fiscal responsibility. Being mindful of who else is on your policy will ensure that you get the best rates for your needs.

Freeman, SD Metro Report

According to Brookings’ Metro Monitor Report for 2020, Sioux Falls, a city nearby Freeman, has experienced a consistent level of growth between 2008 and 2018.

The Metro Monitor gathers information from various metropolitan communities and measures their economic performance over 10 years. Based on population size, Sioux Falls is considered a midsized metropolitan area. There are 83 midsized cities in the report.

Here are the numbers for the Sioux Falls region for 2008-2018.

Growth

  • Jobs: +15.1 percent (8th out of 83)
  • Change in gross metropolitan product (GMP): +28.8 percent (5th out of 83)

Prosperity

  • Change in productivity: +11.8 percent (13th out of 83)
  • Change in average annual wage: +14.7 percent (3rd out of 83)
  • Change in standard of living +7.6 percent: (33rd out of 83)

While Freeman may be an hour’s drive from Sioux Falls, their economic growth impacts Freeman by encouraging more local spending, and even attracting more tourism.

Like the thousands of people across the Midwest who flock to Freeman in the spring for their annual Schmeckfest celebration, a food, culture, and music festival that lasts two weekends and always ends with a community-led musical.

The economic growth Sioux Falls is experiencing positively impacts its neighboring communities like Freeman, as well as the entire state of South Dakota. With more drivers on the road, proper auto insurance coverage is imperative.

Median Household Income in Freeman, SD

According to DataUSA, Freeman has also experienced financial growth between 2016 to 2017, increasing the median household income from $44,946 to $48,839. That’s up by 8.66 percent in just one year.

Despite the economic growth, Freeman still lands below the national median household income of $60,336. Residents need to keep a mindful budget.

With an average auto insurance rate at $3,821.89, that amounts to 7.83 percent of their annual budget going toward auto insurance.

It’s clear to see how auto insurance can affect your budget, and why finding the best rate for your individual circumstances is so important. Comparing quotes from a variety of companies doesn’t have to be hard, but its impact can be life-changing.

Homeownership in Freeman, SD

For many, owning a home is the epitome of the American dream and an undeniable accomplishment. Who wouldn’t love settling down on an idyllic plot of property in the picturesque Midwest?

Being the quintessential cozy Midwestern town, Freeman’s homeownership rate is 64 percent, just above the national average of 63.9 percent, according to DataUSA. Owning a home can help you qualify for home and auto insurance bundles, which may help you save money.

Education in Freeman, SD

While there are no colleges or universities located in Freeman, the University of South Dakota, the University of Sioux Falls, Southeast Technical Institute, and USD Community College of Sioux Falls are all located within an hour’s drive from the small town.

As we’ve already discussed, age and commute times can impact your rates. College-aged students commuting from Freeman will want to compare multiple auto insurance companies to ensure that they receive the best rates possible for their unique needs.

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Driving in Freeman, SD

If you’re one of the many Americans who are nervous about driving in big city areas, Freeman is perfect for you. As we mentioned earlier, the city itself spans a land area of only 1.07 square miles, so let those worries melt away.

You also won’t have to worry about finding backroads and local routes when driving in Freeman to avoid traffic. Most of the urban driving done by locals will be in other, larger towns and nearby cities like Sioux Falls and Mitchell. Both are only an hour’s drive away.

What are the major roads in Freeman, SD?

Freeman itself has smaller local roads that make navigating the city easy. Collector roads like Main Street take you right down the center of the bustling city and into the residential neighborhoods. However, there are no major interstate highways located too close to the town itself.

Major Highways in Freeman, SD

South Dakota has four active interstate highways, according to Interstate-Guide. As mentioned before, none of these major highways are located too closely to Freeman itself.

Connecting to US Route 80 is the easiest way to navigate to these interstate highways from Freeman.

  • I-29
  • I-90
  • I-190
  • I-229

Despite Freeman’s distance from the interstate highways, being in the southeast corner of South Dakota puts it in relatively close proximity to neighboring Midwestern states such as Nebraska and Minnesota.

Plus, two major South Dakota cities, Mitchell and Sioux Falls, are only an hour away, making Freeman the perfect starting point for taking a road trip and exploring America’s heartland.

Road Conditions in Freeman, SD

Freeman itself has decent local road conditions, most of them being connector roads and residential neighborhoods. However, if you live in Freeman, you likely will drive out of town more than in it. Let’s explore South Dakota’s road conditions to get a better understanding of what type of terrain you’ll be battling.

According to TripNet, the rural road conditions in South Dakota are slightly more dangerous to drive on than the national average.

South Dakota rural roads have a fatality rate of 2.22 people per 100 million motor vehicles. By comparison, the national average is 2 people per 100 million motor vehicles.

Bridge structures in South Dakota also pose a danger, with 18 percent of all rural bridges considered to be poor or structurally deficient. These are important factors to keep in mind when comparing auto insurance quotes. Poor road conditions can lead to motor vehicle accidents, especially when bad weather hits.

Does Freeman, SD use speeding or red-light cameras?

We’ve all been there. That yellow light just does not last as long as you think it’s going to, and then suddenly you find yourself pressing on the gas a little harder to make it through the light cycle without putting yourself or anyone else in harm’s way.

There may be no immediate police lights or sirens, but in some states, if a red-light camera has been installed you still risk a citation.

However, South Dakota passed a sweeping photo ticket ban in 2014 preventing the use of red-light cameras to issue citations to drivers.

Keep in mind the impact a single offense can have on your auto insurance rates. Even speeding can increase your rates by $100 or more. It’s always better to practice safe, mindful driving—not only for your auto insurance rates but for your safety and the safety of others on the road.

What types of vehicles are in Freeman, SD?

We already know the small-town roads of Freeman are safe and reliable. However, the same can’t be said for the rest of South Dakota. Chances are, you’ll be driving on some poorly conditioned rural roads. You may even have to drive during heavy snowfall, torrential rain, or other harsh weather conditions.

Keep reading to see how these factors have impacted South Dakota drivers.

Most Popular Vehicles Owned

According to Edmunds, the most popular car in South Dakota is the Ford F-Series truck. That’s not surprising given the Midwestern location, where trucks are often popular.

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How many cars per household?

In a sprawling state like South Dakota, it makes sense that owning a car is necessary. Freeman may be small enough to walk through, but that doesn’t mean walking is always the best way to get around.

According to DataUSA, the average household in Freeman has two cars. If both cars are on the same auto insurance policy, that will impact your overall rates.

Households without a Car

In 2016, only 5.6 percent of households in Sioux Falls didn’t own a car. Freeman is similar, with most households owning one or more vehicles.

Speed Traps in Freeman, SD

Speed traps are known areas where drivers are more likely to get pulled over for speeding. We all know that getting caught speeding is an easy way to tack on extra costs to your auto insurance.

Knowing where speed traps are located in or around your city may help you avoid speeding altogether. Lucky for Freeman, there are no known speed traps in town.

However, if you work in or are visiting Mitchell, South Dakota, there are two verified speed traps located within its city limits. In Sioux Falls, there is one.

Vehicle Theft in Freeman, SD

According to City-Data, crime rates are very low in Freeman; the town is very safe. No vehicle thefts have been reported for the past 14 years. In fact, no violent or serious crimes have been reported in Freeman since 2011.

However, if you commute to Mitchell or Sioux Falls for work or school, be a little more mindful. The following data comes from the FBI’s website.

Crime Rates for South Dakota's Major Cities
Type of CrimeSioux Falls, SDMitchell, SD
Population177,88815,806
Motor vehicle theft46937
Violent crime80188
Murder and non-negligent manslaughter42
Rape12121
Robbery1006
Aggravated assault57659
Property crime5,083570
Burglary65586
Larceny-Theft3,959447
Arson471
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As you can see, there were 37 reported cases of vehicle theft in Mitchell in 2017, and 469 reported cases in Sioux Falls that same year.

How is traffic in Freeman, SD?

Wondering how to reduce traffic-induced stress? You won’t have to be too concerned about traffic problems in Freeman; there just is not that much of it. Freeman locals will experience most of the effects of traffic congestion if they’re visiting other larger metropolitan areas located nearby.

Dense populations, small roads, and other causes of traffic congestion in neighboring communities such as Sioux Falls and Mitchell just aren’t relevant to Freeman.

The exception is when local festivals like Schmeckfest and the Chislic Festival take place. The festivals are known causes of traffic jams, although they are usually minor and clear up as soon as the events have ended.

Traffic Congestion in South Dakota

South Dakota is a large, sprawling state. Fortunately, that means not a lot of traffic problems. However, if you’re in the Sioux Falls area, South Dakota’s largest city, you may run into some traffic jams during traditional rush hour times.

Look at the table below to get a better idea of how often South Dakota commuters experience driving delays.

South Dakota Congestion Measures
Congestions DetailsSioux Falls, SDSioux City, IA-NE-SD
Annual hours of delay total3,2741,549
Annual hours of delay per auto commuter1814
Annual congestion cost total (Million $)6732
Annual congestion cost per auto commuter$368$277
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As you can see, while traffic delays do impact South Dakota drivers on the highway annually, the congestion is relatively minor. What is more likely to affect drivers are the extreme weather conditions and their impact on the roads.

With early summer tornadoes and winter blizzards a normal part of living in the Midwest, it’s important to pay attention to local weather forecasts before heading onto the highways.

Transportation

On average, workers in Freeman, SD have a commute time of 18.4 minutes. That is a bit under the national average of 25.1 minutes. 4.1% of drivers in Freeman are super commuters meaning they have a travel time of 90 minutes or more.

According to DataUSA, 81.4 percent of all Freeman commuters drove alone to work, and 8.56 percent of commuters walk to work. Only 3.55 percent of the workforce carpool.

There is no public transportation system in Freeman; the size of the city is just too small.

Busiest Highways

Many travelers in South Dakota will find themselves on U.S. Route 81, a north-south highway located on the eastern side of the state connecting major cities such as Sioux Falls to smaller, local towns like Freeman.

One of the busiest highways in the state, U.S. Route 81 is often the cause of traffic delays and weather-induced construction. In 2019, the highway flooded, forcing the state to renovate parts of the road for the safety of travelers.

In the video below, KELOLAND covers more details of the story.

As is often the case in larger, rural states like South Dakota, the density of drivers on the road is not the cause of delays. Rather, weather conditions make the biggest impact.

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How safe are Freeman, SD’s streets and roads?

We’ve already discussed the low crime rates in the city of Freeman, but what about the safety of the roads themselves? Let’s explore the rate of automobile accidents in Hutchinson County, where the city is located. The following data comes from the National Highway Traffic Safety Administration.

Hutchinson County South Dakota Vehicle Fatality Statistics
Fatality Type20142015201620172018
Total Fatalities (All Crashes)12003
Alcohol-Impaired Driving (BAC=.08+) Fatalities00000
Single Vehicle Crash Fatalities10000
Large Truck Involved Crash Fatalities02003
Speeding Involved Crash Fatalities11003
Rollover Involved Crash Fatalities10000
Roasway Departure Involved Crash Fatalities10003
Intersection (or Intersection Related) Crash Fatalities01003
Passenger Car Occupant Fatalieis00003
Light Truck Occupant Fatalities11000
Motorcyclist Fatalieis01000
Pedestrian Fatalities00000
Bicyclist (or Other Cyclist) Fatalities00000
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Unfortunately, in 2018, more accidents occurred on the streets of Hutchinson County than in the previous four years. While the numbers seem low at first glance, the small population of the county increases the impact of these fatal accidents.

Allstate America’s Best Drivers Report

According to Allstate’s America’s Best Driver Report of 2019, Freeman’s nearby neighbor, Sioux Falls, ranked as the 72nd safest city to drive in. Citizens of the city usually have 9.6 years between claims. Drivers also experience an average of 12.3 hard braking events per 1,000 miles driven.

Ridesharing

Maybe you just don’t feel like driving, and that’s okay. According to RideGuru, there are a few options for you in Freeman. You could try either Uber X or Lyft, two of the nation’s most popular ridesharing companies. Uber X rates are slightly lower than Lyft, but they are very comparable. It would be smart to compare rates from both companies before choosing your ride.

Military and Veterans Auto Insurance Rates in Freeman, SD

Ellsworth Air Force Base is the only military base in South Dakota. Located in the town of Box Elder, it’s about a five-hour drive from Freeman. While South Dakota may not be known for its military presence, the Air Force base is the second-largest employer in the entire state.

According to City-Data, Freeman has a humble population of military personnel who served in Vietnam, followed by the Gulf War and even some World War II veterans.

Keep reading to learn how to secure the best auto insurance for military personnel.

There are no specific military auto insurance laws in South Dakota. However, many leading auto insurance companies do offer active military and veteran auto insurance discounts:

  • Allstate
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • Safe Auto
  • Safeco
  • State Farm
  • The General

Keep in mind that some of these companies offer discounts to both veterans and active-duty members, while others only provide discounts to those in active duty.

Some companies base the discount on the number of years served in the military, so be sure to ask your agent about the specifics to see what you qualify for.

Frequently Asked Questions: Freeman, SD Auto Insurance

You’ve now learned about factors that impact your auto insurance rates in Freeman, South Dakota, including your age, driving record, and credit history. Here you can explore some frequently asked questions about South Dakota and Freeman to learn more about America’s heartland.

#1 – How do I move to South Dakota?

The beautiful natural landscapes and low cost of living make South Dakota an ideal state to live in. However, moving to South Dakota will require you to do your research. Find where in the state you want to live. There are a few bustling cities like Sioux Falls and Rapid City but also many small, quaint towns like Freeman.

#2 – Where is Freeman, South Dakota?

Freeman is located in the southeast corner of South Dakota, a Midwestern state. It’s south of South Dakota’s largest city, Sioux Falls, and is close to the state border. Freeman is within driving distance of Nebraska, Iowa, and Minnesota.

#3 – What are South Dakota’s auto insurance requirements?

According to the South Dakota Department of Labor and Regulations, South Dakota requires bodily injury liability and property damage liability coverage. You’re also required to have uninsured and underinsured motorist coverage.

#4 – Does South Dakota have two time zones?

South Dakota does have two time zones: the Mountain Time Zone and the Central Time Zone. Mountain time covers mostly the western half of the state. The Central Time Zone covers the eastern half of the state.

Now that you’re an expert on all things auto insurance in Freeman, it’s time to put your knowledge to the test and shop around for your best rates. You can always refer to this article to help answer any questions that arise during your search. Enter your ZIP code in our FREE tool below to start comparing quotes.