- Watertown car insurance rates average $2,298 per year for full coverage, or about $192 on a monthly basis.
- Car insurance rates for a few popular models in Watertown include the Nissan Sentra at $176 per month, Nissan Altima at $208, and Hyundai Elantra at $208.
- Crossover vehicles like the Buick Encore, Ford Bronco Sport, Toyota Corolla Cross, and Kia Soul have the best chance of getting cheap car insurance in Watertown.
- Vehicles with segment-leading car insurance rates include the Chevrolet Tahoe ($2,156 per year), Jaguar E-Pace ($2,150 per year), Toyota GR Corolla ($2,000 per year), and Nissan Titan ($2,152 per year).
How much does Watertown car insurance cost?
In Watertown, the average price for car insurance is $2,298 per year, which is 1% more than the overall national average rate of $2,276. Per month, Watertown car insurance costs about $192 for full coverage auto insurance.
In the state of South Dakota, the average cost of car insurance is $2,566 per year, so the cost in Watertown averages $268 less per year. The cost to insure a vehicle in Watertown compared to other South Dakota cities is around $76 per year cheaper than in Sioux Falls, $628 per year cheaper than in Rapid City, and $58 per year cheaper than in Aberdeen.
The next chart shows different average Watertown auto insurance rates based on a range of driver ages and common policy situations.
In the chart above, the cost of car insurance in Watertown ranges from $1,912 per year for a 40-year-old driver with a discount rate policy to $5,286 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy. From a monthly standpoint, the average cost ranges from $159 to $441 per month.
Watertown car insurance rates can have a wide range and are impacted by a lot of factors. The high chance of significant rate differences stresses the need to get accurate auto insurance quotes when searching online for the cheapest auto insurance policy.
Driver age is the factor that has the most impact on the price you pay for auto insurance, so the list below illustrates these differences by showing average car insurance rates in Watertown for young, middle-age, and senior drivers.
Watertown, SD, car insurance cost for drivers age 16 to 60
- 16 year old – $8,187 per year or $682 per month
- 17 year old – $7,932 per year or $661 per month
- 18 year old – $7,108 per year or $592 per month
- 19 year old – $6,473 per year or $539 per month
- 20 year old – $4,626 per year or $386 per month
- 30 year old – $2,452 per year or $204 per month
- 40 year old – $2,298 per year or $192 per month
- 50 year old – $2,040 per year or $170 per month
- 60 year old – $1,908 per year or $159 per month
The rates in the list above for insuring teen drivers age 16 to 19 were based on the driver being male. The chart below separates the average cost for car insurance for teen drivers in Watertown by gender. In general, female drivers tend to have cheaper auto insurance, especially as teenagers.
Car insurance for a 16-year-old female driver in Watertown costs an average of $541 less than male drivers each year, while at age 19, females don’t save quite as much at $1,002 per year.
Insurance rates for popular cars, trucks, and SUVs
The car insurance rates discussed up to this point are averaged for every 2024 model year vehicle, which is practical when making overall comparisons like the difference in average auto insurance cost for two different locations in South Dakota.
For more accurate rate comparisons, however, the rates will be more accurate if we perform a rate analysis for the exact make and model of vehicle being insured. In the next few sections, we explore all kinds of rates for specific models, but for now, we will just use the more popular vehicles to see how car insurance prices compare in Watertown.
This next chart details average car insurance cost in Watertown for a handful of the more popular vehicles. Later in this article, we examine additional factors that affect the cost of insuring some of these vehicles in much more detail.
The vehicles that have high popularity in Watertown tend to be compact or midsize cars like the Honda Civic, Nissan Sentra, and Honda Accord and compact or midsize SUVs like the Chevy Equinox, Honda CR-V, and Subaru Outback.
Other popular models from other segments include luxury models like the BMW 530i, BMW X5, and Cadillac XT5 and sports cars like the Chevy Corvette, Ford Mustang, and Nissan GT-R.
We will get into rates for lots more vehicles coming up in the article, but before that, let’s rehash some of the concepts that were discussed so far.
- Watertown car insurance prices are cheaper than the South Dakota state average – $2,298 (Watertown average) versus $2,566 (South Dakota average)
- Watertown, South Dakota, car insurance costs more than the U.S. average – $2,298 (Watertown average) compared to $2,276 (U.S. average)
- Car insurance is generally cheaper as you get older – Average car insurance rates for a 40-year-old driver in Watertown are $2,328 per year cheaper than for a 20-year-old driver.
- Low deductible car insurance costs more – A 50-year-old driver pays an average of $954 more per year for $250 physical damage deductibles versus $1,000.
- Monthly car insurance cost ranges from $159 to $682 – That is the average car insurance price range for insured drivers age 16 to 60 in Watertown, South Dakota.
- Teenage females have cheaper rates than teenage males – Teenage females pay $1,002 to $541 less per year than male drivers of the same age.
What vehicles have cheap car insurance in Watertown, SD?
The vehicles with the cheapest average insurance quotes in Watertown, SD, tend to be compact SUVs like the Kia Soul, Subaru Crosstrek, Buick Envision, and Toyota Corolla Cross.
Average car insurance quotes for those models cost $1,866 or less per year for full coverage car insurance.
Some other models that rank well in the comparison table below are the Volkswagen Taos, Subaru Outback, Honda CR-V, and Volkswagen Tiguan. Insurance rates are a few dollars per month higher for those models than the cheapest small SUVs and crossovers that rank at the top, but they still have an average insurance cost of $2,000 or less per year ($167 per month) in Watertown.
The following table lists the top 20 models with the cheapest car insurance rates in Watertown, sorted by annual and monthly insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,700 | $142 |
| 2 | Chevrolet Trailblazer | $1,728 | $144 |
| 3 | Kia Soul | $1,794 | $150 |
| 4 | Nissan Kicks | $1,810 | $151 |
| 5 | Honda Passport | $1,830 | $153 |
| 6 | Buick Envision | $1,844 | $154 |
| 7 | Toyota Corolla Cross | $1,852 | $154 |
| 8 | Hyundai Venue | $1,866 | $156 |
| 9 | Mazda CX-5 | $1,876 | $156 |
| 10 | Ford Bronco Sport | $1,882 | $157 |
| 11 | Volkswagen Tiguan | $1,904 | $159 |
| 12 | Acura RDX | $1,924 | $160 |
| 13 | Nissan Murano | $1,930 | $161 |
| 14 | Buick Encore | $1,950 | $163 |
| 15 | Honda CR-V | $1,960 | $163 |
| 16 | Subaru Outback | $1,960 | $163 |
| 17 | Buick Envista | $1,966 | $164 |
| 18 | Volkswagen Taos | $1,970 | $164 |
| 19 | Kia Niro | $1,978 | $165 |
| 20 | Subaru Ascent | $1,998 | $167 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
A table of 20 vehicle models with cheap Watertown car insurance really is not a great way to present a detailed view of car insurance rates in Watertown. Due to the fact that we track over 700 vehicles, a lot of vehicles get left off the list. Let’s dig a little deeper into the data and display the vehicles with the best rates in a better format.
This next section goes into the average price of car insurance in Watertown for each vehicle segment. These rates should give a good idea of the vehicle segments that have the overall least expensive Watertown auto insurance rates. Then the six sections following the chart show the cheapest rates for individual models for each segment.
Average rates by automotive segment
If a different vehicle is in your future, it is useful to know which types of vehicles have less expensive car insurance rates in Watertown.
As an example, maybe you want to know if midsize cars are more affordable to insure than midsize SUVs or if luxury cars cost less to insure than luxury SUVs.
The chart below shows the average car insurance cost in Watertown for each automotive segment. In general, compact SUVs and midsize pickup trucks have the least expensive rates, while sports cars, large luxury cars, and performance exotic cars have the most expensive average cost to insure.
Average rates by segment are sufficient for comparing estimates, but the insurance cost for specific vehicles ranges greatly within each segment listed in the chart above.
For example, in the midsize luxury car segment, average Watertown insurance rates range from the Mercedes-Benz CLA250 at $2,364 per year for full coverage insurance to the BMW M8 at $3,874 per year. For another example, in the large truck segment, the cost of insurance ranges from the Nissan Titan costing $2,152 per year to the Toyota Tundra costing $2,736 per year, a difference of $584 within that segment.
In the next sections, we reduce this variability by looking at car insurance cost in Watertown for specific cars, trucks, and SUVs.
Cheapest car insurance rates in Watertown, SD
Taking the top spot in Watertown for the lowest-cost average insurance in the non-luxury sedan segment is the Toyota GR Corolla, coming in at $2,000 per year. Second place is the Nissan Leaf costing $2,014 per year, and in third place is the Honda Civic, costing an average of $2,036 per year.
Additional models that have cheaper rates include the Toyota Corolla, Toyota Prius, Honda Accord, and Chevrolet Malibu, with an average cost of $2,240 per year or less.
Some additional models that make the list include the Volkswagen Arteon, Mitsubishi Mirage G4, Hyundai Sonata, and Nissan Versa, which cost between $2,240 and $2,378 per year for insurance in Watertown.
As a cost per month, auto insurance on this segment in Watertown for a middle-age safe driver will start around $167 per month, depending on your location and insurance company.
When ranked by vehicle size, the cheapest non-luxury compact car to insure in Watertown is the Toyota GR Corolla at $2,000 per year, or $167 per month. For midsize cars, the Kia K5 has the cheapest rates at $2,216 per year, or $185 per month. And for large cars, the Chrysler 300 is most affordable to insure at $2,188 per year, or $182 per month.
The next table ranks the twenty cars with the most affordable auto insurance rates in Watertown, starting with the Toyota GR Corolla at $2,000 per year and ending with the Mazda 3 at $2,378 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,000 | $167 |
| Nissan Leaf | Compact | $2,014 | $168 |
| Honda Civic | Compact | $2,036 | $170 |
| Nissan Sentra | Compact | $2,106 | $176 |
| Subaru Impreza | Compact | $2,112 | $176 |
| Toyota Prius | Compact | $2,146 | $179 |
| Kia K5 | Midsize | $2,216 | $185 |
| Honda Accord | Midsize | $2,222 | $185 |
| Chevrolet Malibu | Midsize | $2,230 | $186 |
| Toyota Corolla | Compact | $2,240 | $187 |
| Kia Forte | Compact | $2,244 | $187 |
| Volkswagen Arteon | Midsize | $2,260 | $188 |
| Nissan Versa | Compact | $2,264 | $189 |
| Subaru Legacy | Midsize | $2,270 | $189 |
| Hyundai Ioniq 6 | Midsize | $2,284 | $190 |
| Mitsubishi Mirage G4 | Compact | $2,320 | $193 |
| Volkswagen Jetta | Compact | $2,324 | $194 |
| Toyota Crown | Midsize | $2,326 | $194 |
| Hyundai Sonata | Midsize | $2,332 | $194 |
| Mazda 3 | Compact | $2,378 | $198 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Watertown car insurance quotes from the best companies in South Dakota.
SUVs with affordable car insurance in Watertown
The three highest ranking non-luxury SUVs with the cheapest insurance in Watertown are the Subaru Crosstrek at $1,700 per year, the Chevrolet Trailblazer at $1,728 per year, and the Kia Soul at $1,794 per year.
Other models that have affordable insurance rates include the Mazda CX-5, Hyundai Venue, Ford Bronco Sport, and Buick Envision, with average insurance cost of $1,882 per year or less.
Some additional vehicles that make the list include the Nissan Murano, Buick Envista, Buick Encore, Subaru Outback, and Volkswagen Tiguan, which average between $1,882 and $1,998 per year for auto insurance.
Full-coverage auto insurance for this segment in Watertown for a middle-age safe driver will start around $142 per month, depending on your location.
The cheapest non-luxury compact SUV to insure in Watertown is the Subaru Crosstrek at $1,700 per year. For midsize models, the Honda Passport is cheapest to insure at $1,830 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,156 per year.
The next table ranks the twenty SUVs with the cheapest average insurance rates in Watertown, starting with the Subaru Crosstrek at $142 per month and ending with the Subaru Ascent at $167 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,700 | $142 |
| Chevrolet Trailblazer | Compact | $1,728 | $144 |
| Kia Soul | Compact | $1,794 | $150 |
| Nissan Kicks | Compact | $1,810 | $151 |
| Honda Passport | Midsize | $1,830 | $153 |
| Buick Envision | Compact | $1,844 | $154 |
| Toyota Corolla Cross | Compact | $1,852 | $154 |
| Hyundai Venue | Compact | $1,866 | $156 |
| Mazda CX-5 | Compact | $1,876 | $156 |
| Ford Bronco Sport | Compact | $1,882 | $157 |
| Volkswagen Tiguan | Compact | $1,904 | $159 |
| Nissan Murano | Midsize | $1,930 | $161 |
| Buick Encore | Compact | $1,950 | $163 |
| Honda CR-V | Compact | $1,960 | $163 |
| Subaru Outback | Midsize | $1,960 | $163 |
| Buick Envista | Midsize | $1,966 | $164 |
| Volkswagen Taos | Compact | $1,970 | $164 |
| Kia Niro | Compact | $1,978 | $165 |
| Subaru Ascent | Midsize | $1,998 | $167 |
| Honda HR-V | Compact | $2,002 | $167 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Need rates for a different SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Watertown car insurance quotes from the best companies in South Dakota.
Luxury cars with cheap auto insurance rates
Ranking highest for the lowest-cost Watertown auto insurance rates in the luxury car segment are the Acura TLX, BMW 330i, Acura Integra, Lexus IS 300, and Mercedes-Benz CLA250. Auto insurance rates for these models average $2,376 or less per year, or around $198 per month.
Additional luxury cars that are affordable to insure are the Lexus RC 300, Cadillac CT4, Mercedes-Benz AMG CLA35, and Genesis G70, with average insurance cost of $2,414 per year or less.
From a monthly standpoint, full-coverage auto insurance in Watertown on this segment for a middle-age safe driver starts at an average of $170 per month, depending on where you live and the company you use. The next table ranks the luxury cars with the cheapest insurance rates in Watertown.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,044 | $170 |
| BMW 330i | Compact | $2,340 | $195 |
| Mercedes-Benz CLA250 | Midsize | $2,364 | $197 |
| Lexus IS 300 | Midsize | $2,370 | $198 |
| Acura TLX | Compact | $2,376 | $198 |
| Lexus ES 350 | Midsize | $2,398 | $200 |
| Cadillac CT4 | Compact | $2,400 | $200 |
| Genesis G70 | Compact | $2,404 | $200 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,408 | $201 |
| Lexus RC 300 | Midsize | $2,414 | $201 |
| Lexus IS 350 | Compact | $2,424 | $202 |
| Jaguar XF | Midsize | $2,430 | $203 |
| Cadillac CT5 | Midsize | $2,478 | $207 |
| Lexus ES 250 | Midsize | $2,486 | $207 |
| Lexus RC 350 | Compact | $2,492 | $208 |
| BMW 330e | Compact | $2,496 | $208 |
| BMW 228i | Compact | $2,500 | $208 |
| BMW 230i | Compact | $2,520 | $210 |
| Lexus ES 300h | Midsize | $2,524 | $210 |
| Audi S3 | Compact | $2,576 | $215 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Watertown car insurance quotes from top-rated auto insurance companies in South Dakota.
Most affordable luxury SUV insurance rates
The top four luxury SUV models with the lowest-cost insurance in Watertown are the Acura RDX at $1,924 per year, Lexus NX 250 at $2,036 per year, Cadillac XT4 at $2,074 per year, and Jaguar E-Pace at $2,150 per year.
Additional luxury SUVs that have affordable average insurance rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 350h, with average rates of $2,218 per year or less.
Additional 2024 luxury models that rank well include the Infiniti QX60, Cadillac XT6, Lexus NX 350, and Mercedes-Benz GLA250, which average between $2,218 and $2,308 per year to insure.
Full-coverage insurance for this segment in Watertown for a middle-age safe driver starts at an average of $160 per month, depending on where you live and the company you use.
If vehicle size is considered, the most affordable small luxury SUV to insure in Watertown is the Acura RDX at $1,924 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,150 per year. And for large luxury SUV models, the Infiniti QX80 has the most affordable rates at $2,576 per year.
The comparison table below ranks the luxury SUVs with the most affordable car insurance in Watertown, starting with the Acura RDX at $1,924 per year and ending with the Lexus RX 350 at $2,308 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,924 | $160 |
| Lexus NX 250 | Compact | $2,036 | $170 |
| Cadillac XT4 | Compact | $2,074 | $173 |
| Jaguar E-Pace | Midsize | $2,150 | $179 |
| Lexus NX 350h | Compact | $2,166 | $181 |
| Cadillac XT5 | Midsize | $2,168 | $181 |
| Lincoln Corsair | Compact | $2,194 | $183 |
| Mercedes-Benz GLB 250 | Compact | $2,198 | $183 |
| Lexus UX 250h | Compact | $2,204 | $184 |
| Lexus NX 450h | Compact | $2,218 | $185 |
| Infiniti QX50 | Midsize | $2,236 | $186 |
| Mercedes-Benz GLA250 | Compact | $2,240 | $187 |
| Mercedes-Benz GLA35 AMG | Compact | $2,248 | $187 |
| Cadillac XT6 | Midsize | $2,250 | $188 |
| Infiniti QX60 | Midsize | $2,262 | $189 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,262 | $189 |
| Land Rover Evoque | Compact | $2,292 | $191 |
| Acura MDX | Midsize | $2,300 | $192 |
| Lexus NX 350 | Compact | $2,304 | $192 |
| Lexus RX 350 | Midsize | $2,308 | $192 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Looking for rates for a different model? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Watertown car insurance quotes from top auto insurance companies in South Dakota.
Pickups with cheap car insurance rates
The Chevrolet Colorado takes the top ranking for the most budget-friendly pickup to insure in Watertown, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model costs an average of $2,026 per year for a policy with full coverage.
Additional pickups that have good average insurance rates include the GMC Canyon, Honda Ridgeline, Toyota Tacoma, and GMC Sierra 2500 HD, with an average cost of $2,366 per year or less.
Auto insurance rates for this segment in Watertown will start around $169 per month, depending on the company and where you live.
The table below ranks the twenty pickups with the most affordable average auto insurance rates in Watertown.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,026 | $169 |
| Nissan Titan | Full-size | $2,152 | $179 |
| Nissan Frontier | Midsize | $2,174 | $181 |
| Ford Ranger | Midsize | $2,198 | $183 |
| Ford Maverick | Midsize | $2,230 | $186 |
| Honda Ridgeline | Midsize | $2,282 | $190 |
| Hyundai Santa Cruz | Midsize | $2,320 | $193 |
| Toyota Tacoma | Midsize | $2,328 | $194 |
| GMC Sierra 2500 HD | Heavy Duty | $2,338 | $195 |
| GMC Canyon | Midsize | $2,366 | $197 |
| Jeep Gladiator | Midsize | $2,420 | $202 |
| GMC Sierra 3500 | Heavy Duty | $2,436 | $203 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,454 | $205 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,524 | $210 |
| GMC Sierra | Full-size | $2,538 | $212 |
| Chevrolet Silverado | Full-size | $2,542 | $212 |
| Nissan Titan XD | Heavy Duty | $2,542 | $212 |
| Ford F150 | Full-size | $2,572 | $214 |
| GMC Hummer EV Pickup | Full-size | $2,636 | $220 |
| Ram Truck | Full-size | $2,660 | $222 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see rates for your pickup? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Watertown car insurance quotes from top-rated companies in South Dakota.
Sports cars with cheap insurance rates
The four cheapest sports cars to insure in Watertown are the Mazda MX-5 Miata at $2,126 per year, Toyota GR86 at $2,420 per year, Ford Mustang at $2,524 per year, and BMW Z4 at $2,540 per year.
Not the cheapest sports cars to insure, but still very reasonable, are cars like the Subaru BRZ, Toyota GR Supra, BMW M2, and Nissan Z, with average annual insurance rates of $2,746 per year or less.
From a monthly standpoint, full-coverage auto insurance in this segment for a safe driver starts at an average of $177 per month, depending on the company.
The next table ranks the twenty sports cars with the cheapest average auto insurance rates in Watertown.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,126 | $177 |
| Toyota GR86 | Sports Car | $2,420 | $202 |
| Ford Mustang | Sports Car | $2,524 | $210 |
| BMW Z4 | Sports Car | $2,540 | $212 |
| Subaru WRX | Sports Car | $2,578 | $215 |
| Toyota GR Supra | Sports Car | $2,582 | $215 |
| BMW M2 | Sports Car | $2,658 | $222 |
| Nissan Z | Sports Car | $2,664 | $222 |
| Lexus RC F | Sports Car | $2,714 | $226 |
| Subaru BRZ | Sports Car | $2,746 | $229 |
| BMW M3 | Sports Car | $2,904 | $242 |
| Porsche 718 | Sports Car | $2,960 | $247 |
| Chevrolet Camaro | Sports Car | $2,986 | $249 |
| Chevrolet Corvette | Sports Car | $3,184 | $265 |
| Porsche 911 | Sports Car | $3,294 | $275 |
| BMW M4 | Sports Car | $3,432 | $286 |
| Lexus LC 500 | Sports Car | $3,448 | $287 |
| Jaguar F-Type | Sports Car | $3,628 | $302 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,804 | $317 |
| Porsche Taycan | Sports Car | $3,892 | $324 |
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 Watertown, SD Zip Codes. Updated October 24, 2025
Don’t see insurance cost for your sports car? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Watertown.
Variability and car insurance rates
To aid in understanding the extent to which the cost of a car insurance policy can fluctuate for different applicants (and also emphasize the importance of accurate rate quotes), the sections below visualize a wide range of rates for four popular models in Watertown: the Ford F150, Toyota Corolla, Honda CR-V, and Honda Pilot.
The example for each vehicle shows average rates for different driver profiles to demonstrate how rates can be very different based on changes in the type of driver rated on the policy.
Ford F150 insurance rates
Auto insurance for a Ford F150 in Watertown averages $2,572 per year, or around $214 per month, and has a range of $2,134 to $5,938 annually for the driver ages and coverage limits shown in the next chart.
The Ford F150 is classified as a full-size truck, and other popular same-segment models include the Toyota Tundra, GMC Sierra, and Chevrolet Silverado.
Toyota Corolla insurance rates
Auto insurance for a Toyota Corolla in Watertown averages $2,240 per year, or about $187 per month, and has a range of $1,856 to $5,134.
The Toyota Corolla is a compact car, and other popular models include the Honda Civic, Volkswagen Jetta, and Hyundai Elantra.
Honda CR-V insurance rates
Honda CR-V insurance in Watertown averages $1,960 per year, or about $163 per month, and varies from $1,632 to $4,502 per year for the driver examples in the chart.
The Honda CR-V is a compact SUV, and other models popular in Watertown include the Ford Escape, Subaru Forester, and Mazda CX-5.
Honda Pilot insurance rates
Insurance for a Honda Pilot in Watertown costs an average of $2,236 per year (about $186 per month) and ranges from $1,860 to $5,172 annually.
The Honda Pilot is part of the midsize SUV segment, and other popular models in the same segment include the Kia Sorento, Kia Telluride, Ford Edge, and Ford Explorer.
How to find cheaper Watertown car insurance quotes
Resourceful drivers should always be thinking of ways to cut the monthly cost of insurance So glance through the money-saving ideas in this next list and maybe you’ll find a way to save a little dough on your next car insurance policy.
- Cheaper rates come with better credit scores. Having excellent credit of 800+ may save $361 per year when compared to a credit score ranging from 670-739. Conversely, a less-than-perfect credit history could cost up to $418 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Find cheaper rates by qualifying for discounts. Discounted rates may be available if the policyholders are loyal customers, are good students, insure their home and car with the same company, are military or federal employees, belong to certain professional organizations, or many other discounts which could save the average Watertown driver as much as $386 per year.
- Compare auto insurance rates before buying a car. Different vehicle models can have very different insurance premiums, and insurers can price policies with very different rates. Get multiple insurance quotes before you buy a new vehicle to prevent insurance sticker shock when you get your insurance bill.
- Don’t file small claims. Most insurers reduce rates a little if you do not file any claims. Car insurance is intended to be used for significant claims, not minor claims.
- Buy vehicles with more affordable car insurance rates. Vehicle performance has a huge impact on the cost of car insurance. For example, a Volkswagen Atlas costs $708 less per year to insure in Watertown than a Subaru BRZ. Lower performance vehicles cost less to insure.
- Obey the law to get lower policy cost. To get affordable car insurance in Watertown, it pays to be a safe driver. In fact, just one or two moving violations could result in increasing insurance rates by up to $612 per year.
- Save by raising your deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.