Watertown, SD Car Insurance
Find the answers to FAQs about Watertown car insurance and coverage options.
Watertown, SD, is small-town living at its finest, with a population of just 23,000. If your family is one of the 10,000 households that call Watertown home, you get to enjoy peaceful surroundings and attractive opportunities for fun just a short drive away.
Local lakes are perfect for spending time relaxing with your family. There are also hiking and walking trails that take you around the area. Lake Kampeska, Pelican Lake and the Sandy Shore State Recreation Area are all right outside of Watertown.
Watertown is the birthplace of well-known artist Terry Redlin. The Redlin Art Center showcases his incredible paintings that depict Midwest scenery. The local Goss Opera House also hosts talented performers frequently.
The Bramble Park Zoo is a favorite of families in the region. This zoo is home to over 800 animals, including tigers, kangaroos and spider monkeys.
Watertown may not have the nightlife that some people want, but that's part of the charm. When you're in the mood for endless excitement, Sioux Falls is just a 90-minute drive south on Interstate 29. Good Watertown car insurance has your back whether you're commuting to work or traveling on the highway.
Watertown doesn't have public transportation, so you have to use your car to get to work. Not surprisingly, the majority of local families (~65%) have two or three vehicles. About 90% of workers drive alone or commute to work.
There are also about 4,000 college students in town. Lake Area Technical College teaches young adults what they need to know to begin a career. The average commute time is only 10-15 minutes.
Three major highways travel through Watertown:
These roads add to local traffic. On average, between 8,000 and 15,000 vehicles travel through the city every day. This means that Watertown car insurance is a must regardless of how laid-back the city feels.
Watertown has its share of accidents, but the numbers aren't as high as other cities in South Dakota. Of course, if you travel frequently to Sioux Falls, your risks of getting into an accident are higher.
In 2021, there were fewer than 500 total crashes. About 80 people were injured.
If you want solid insurance protection, you need to invest in personal injury coverage (for medical costs) and collision insurance (for vehicle repairs). That said, given the low incidence of accidents, some families may opt for less coverage to save money. VIU by HUB can show you exactly what popular insurance companies offer in their coverage.
How risky driving is depends on several factors, including when, where and how you drive. Some vehicles are more likely to receive significant damage in a crash, such as smaller cars. In Watertown, most crashes happen because of:
Some crashes involve wild animals, such as deer. Distracted driving and alcohol also cause some crashes every year.
On average, local auto insurance costs about $1,350 a year. This is roughly equal with other places in South Dakota, including Sioux Falls. That said, you can potentially save money by personalizing your policy. The actual price of Watertown car insurance varies depending on the amount of coverage you choose. VIU by HUB lets you see cost differences easily.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
