- Mitchell car insurance cost averages $1,842 per year for a full-coverage policy, or about $154 per month.
- Small SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Nissan Kicks are some of our top picks for the cheapest auto insurance in Mitchell.
- A few vehicles with the most affordable auto insurance in their automotive segment include the Infiniti QX80 ($172 per month), Chevrolet Colorado ($131 per month), Hyundai Ioniq 6 ($141 per month), and Chrysler 300 ($150 per month).
- Auto insurance quotes in Mitchell can vary from as little as $33 per month for just liability insurance to well over $684 per month for accident or violation prone drivers.
Average cost of car insurance in Mitchell, SD
Average car insurance rates in Mitchell cost $1,842 per year, or around $154 per month. When compared to the U.S. overall average rate, Mitchell car insurance cost is 2.2% cheaper per year.
Average car insurance cost in South Dakota is $1,956 per year, so drivers in Mitchell pay an average of $114 less per year than the South Dakota state-wide average rate. When compared to other locations in South Dakota, the average cost of insurance in Mitchell is $100 per year more expensive than in Brookings, $98 per year more expensive than in Aberdeen, and $152 per year more than in Watertown.
The age of the rated driver has a big impact on the cost of auto insurance, so the list below illustrates this by showing the difference in average car insurance rates for drivers from age 16 to 60.
Average car insurance rates in Mitchell, South Dakota, for drivers age 16 to 60
- 16-year-old rated driver – $6,551 per year or $546 per month
- 17-year-old rated driver – $6,347 per year or $529 per month
- 18-year-old rated driver – $5,690 per year or $474 per month
- 19-year-old rated driver – $5,182 per year or $432 per month
- 20-year-old rated driver – $3,702 per year or $309 per month
- 30-year-old rated driver – $1,964 per year or $164 per month
- 40-year-old rated driver – $1,842 per year or $154 per month
- 50-year-old rated driver – $1,632 per year or $136 per month
- 60-year-old rated driver – $1,528 per year or $127 per month
The chart below shows average auto insurance cost in Mitchell broken out not only by the age of the driver, but also by three different physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury cars and SUVs.
In the chart above, the cost of car insurance in Mitchell ranges from $1,290 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,304 per year for a 20-year-old driver with policy with low comprehensive and collision deductibles. When converted to a monthly rate, the average cost in the previous chart ranges from $108 to $359 per month.
Mitchell car insurance rates are different for every driver and depend on a lot of factors. This large rate variability stresses the need for accurate auto insurance quotes when shopping around for the cheapest rate.
Cheapest car insurance in Mitchell, South Dakota
The models with the cheapest insurance rates in Mitchell tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Buick Envision. Average auto insurance rates for cars and SUVs in the top 10 cost $1,508 or less per year ($126 per month) to have full coverage.
A few other vehicles that have affordable auto insurance prices in the comparison table below are the Buick Encore, Ford Bronco Sport, Acura RDX, and Kia Niro. Average insurance cost is a little bit more for those models than the crossover SUVs at the top of the rankings, but they still have an average insurance cost of $1,578 or less per year in Mitchell.
The following table lists the top 40 cheapest vehicles to insure in Mitchell, ranked starting with the cheapest.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,360 | $113 |
| 2 | Chevrolet Trailblazer | $1,382 | $115 |
| 3 | Kia Soul | $1,438 | $120 |
| 4 | Nissan Kicks | $1,450 | $121 |
| 5 | Honda Passport | $1,466 | $122 |
| 6 | Buick Envision | $1,474 | $123 |
| 7 | Toyota Corolla Cross | $1,482 | $124 |
| 8 | Hyundai Venue | $1,494 | $125 |
| 9 | Mazda CX-5 | $1,500 | $125 |
| 10 | Ford Bronco Sport | $1,508 | $126 |
| 11 | Volkswagen Tiguan | $1,522 | $127 |
| 12 | Acura RDX | $1,538 | $128 |
| 13 | Nissan Murano | $1,546 | $129 |
| 14 | Buick Encore | $1,562 | $130 |
| 15 | Honda CR-V | $1,568 | $131 |
| 16 | Subaru Outback | $1,568 | $131 |
| 17 | Buick Envista | $1,572 | $131 |
| 18 | Chevrolet Colorado | $1,574 | $131 |
| 19 | Volkswagen Taos | $1,574 | $131 |
| 20 | Kia Niro | $1,578 | $132 |
| 21 | Toyota GR Corolla | $1,598 | $133 |
| 22 | Honda HR-V | $1,602 | $134 |
| 23 | Subaru Ascent | $1,602 | $134 |
| 24 | Nissan Leaf | $1,612 | $134 |
| 25 | Lexus NX 250 | $1,628 | $136 |
| 26 | Honda Civic | $1,630 | $136 |
| 27 | Volkswagen Atlas | $1,632 | $136 |
| 28 | Acura Integra | $1,638 | $137 |
| 29 | Volkswagen Atlas Cross Sport | $1,638 | $137 |
| 30 | Kia Seltos | $1,642 | $137 |
| 31 | Subaru Forester | $1,642 | $137 |
| 32 | GMC Terrain | $1,648 | $137 |
| 33 | Nissan Rogue | $1,652 | $138 |
| 34 | Hyundai Kona | $1,656 | $138 |
| 35 | Mazda CX-30 | $1,658 | $138 |
| 36 | Cadillac XT4 | $1,662 | $139 |
| 37 | Ford Explorer | $1,670 | $139 |
| 38 | Volkswagen ID4 | $1,670 | $139 |
| 39 | Toyota Highlander | $1,674 | $140 |
| 40 | Ford Escape | $1,678 | $140 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mitchell, SD Zip Codes. Updated February 22, 2024
A few additional vehicles worth noting ranking in the top 40 above include the Kia Seltos, Toyota Highlander, Honda Civic, Cadillac XT4, and Acura Integra. Average auto insurance rates for those vehicles fall between $1,578 and $1,680 per year.
To help put these rates in perspective, a few models that cost much more to insure include the Jeep Cherokee which costs $165 per month, the BMW M240i which averages $187, and the Lexus LC 500h that costs $230.
For really expensive insurance rates, luxury and high-performance models like the Porsche 911, Nissan GT-R, Acura NSX, and BMW M5 have average rates that can cost as much as triple the rates of the cheapest vehicles.
This next article section goes into detail about the different automotive segments and the average cost of car insurance in Mitchell. The rates shown should give you a decent understanding of the general vehicle types that have the most affordable Mitchell auto insurance rates.
Auto insurance rates by segment
It’s useful to know which types of vehicles have more favorable car insurance rates. For instance, does a small SUV cost less to insure than a small car? Or how do luxury models compare to non-luxury versions?
The chart below displays average car insurance rates in Mitchell for different vehicle segments to help answer these types of questions.
In general, compact SUVs, midsize trucks, and minivans tend to have the least expensive average rates, while sports cars, large luxury cars, and performance exotic cars have the most expensive overall car insurance rates.
Because of the rate variation within each segment, average rates by segment should be used as a starting point rather than the end comparison. It’s always better to compare rates for specific models, and ever better yet, rates for the specific trim levels you’re considering.
For example, in the midsize car segment, average Mitchell insurance rates range from the Hyundai Ioniq 6 at $1,692 per year for full coverage insurance up to the Tesla Model 3 at $2,160 per year, a difference of $468 just within that segment.
For another example, in the sports car segment, the average cost of insurance can vary from the Mazda MX-5 Miata costing $1,702 per year up to the Mercedes-Benz SL 63 at $3,780 per year, a difference of $2,078 just for that segment.
To further emphasize how much rates can vary for any particular model, the sections below show a wide range of car insurance rates for four popular vehicles in Mitchell: the Nissan Sentra, Honda CR-V, Kia Sorento, and Honda Accord.
Each vehicle example uses a variety of different driver profiles to demonstrate the variation for the different scenarios.
Nissan Sentra insurance rates
In Mitchell, the least-expensive insurance quotes for a 2024 Nissan Sentra are on the S model, costing an average of $1,648 per year, or around $137 per month. This model has a MSRP of $20,630.
The most expensive 2022 Nissan Sentra to insure in Mitchell is the SR model, costing an average of $1,732 per year, or about $144 per month. The MSRP for this trim is $23,720, not including documentation fees and destination charges.
The next rate chart illustrates how car insurance rates on a Nissan Sentra can change based on a number of different driver ages, policy deductibles, and policy risk factors. For our example drivers, cost ranges from $1,398 to $3,832 per year, which is a difference in cost of $2,434 caused by changes to the rated driver.
The Nissan Sentra is a compact car, and other models popular in Mitchell include the Hyundai Elantra, Chevrolet Cruze, and Volkswagen Jetta.
Honda CR-V insurance rates
Average Honda CR-V insurance cost in Mitchell ranges from $1,488 to $1,656 per year. The most affordable model to insure is the $29,500 Honda CR-V LX model, while the most expensive model to insure is the $39,850 Honda CR-V Sport Touring Hybrid AWD trim level.
The bar chart below might help to visualize how insurance quotes for a Honda CR-V can vary based on driver age, physical damage coverage deductibles, and driver risk profiles.
In this example, cost varies from $1,306 to $3,604 per year, which is a difference in cost of $2,298 just for having different drivers insured.
The Honda CR-V is a compact SUV, and other popular models in the same segment include the Ford Escape, Chevrolet Equinox, and Mazda CX-5.
Kia Sorento insurance rates
Kia Sorento insurance in Mitchell costs an average of $1,746 per year, ranging from $1,598 per year for the Kia Sorento LX model (MSRP of $32,000) up to $1,878 per year for the Kia Sorento SX Prestige Plug-in Hybrid (MSRP of $52,000).
On a monthly basis, auto insurance quotes on a 2024 Kia Sorento for an average middle-age driver can cost from $133 to $157 per month, depending on the insurance company and where you live in Mitchell.
The chart displayed below demonstrates how the prices of car insurance on a Kia Sorento can be significantly different for a variety of driver ages, policy deductibles, and potential risk scenarios.
The Kia Sorento is a midsize SUV, and other similar models include the Honda Pilot, Jeep Grand Cherokee, and Kia Telluride.
Honda Accord insurance rates
In Mitchell, the most affordable insurance quotes for a 2024 Honda Accord are on the EX-L Hybrid trim level, costing an average of $1,714 per year, or about $143 per month. This model stickers at $34,190.
The most expensive 2022 Honda Accord model to insure in Mitchell is the LX model, costing an average of $1,822 per year, or about $152 per month. The MSRP for this trim level is $27,895, not including the destination charge and documentation fee.
The bar chart below visualizes how insurance quotes on a Honda Accord can be significantly different for a variety of different driver ages and common risk profiles.
The Honda Accord is a midsize car, and other popular models include the Chevrolet Malibu, Nissan Altima, and Toyota Camry.