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Find Auto Insurance Agents Near You in Watertown, SD

Browse auto insurance agents serving Watertown, South Dakota. Updated 2026-07-14.

The top-rated auto insurance agent in Watertown, South Dakota is Phillip Matthews - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Meyer Insurance, Bill Speier - State Farm Insurance Agent, KRANZ INSURANCE - Watertown Insurance LLC. This directory lists 20 auto insurance agents serving Watertown.

Showing 20 auto insurance agents in Watertown, SDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Phillip Matthews - State Farm Insurance Agent208 E Kemp Ave #2(605) 882-1252
2Meyer Insurance1933 Willow Creek Dr(605) 753-5698
3Bill Speier - State Farm Insurance Agent314 4th St NE(605) 882-4578
4KRANZ INSURANCE - Watertown Insurance LLC521 10th St NW(605) 886-4200
5Wishard Insurance922 W Kemp Ave(605) 882-5773
6Steve Gales - State Farm Insurance Agent920 5th St SE(605) 886-5969
7Lynn Jurrens American Family Insurance306 9th Ave SE(605) 886-8240
8Schulz Insurance24 N Broadway(605) 886-1525
9Puthoff Insurance Agency-Watertown1608 9th Ave SW(605) 886-9319
10Glacial Lakes Insurance Inc.1505 10th Ave SE #2(605) 956-3445
PM
208 E Kemp Ave #2
Phillip Matthews - State Farm Insurance Agent
Auto Insurance Agent · Watertown, SD

Phillip Matthews - State Farm Insurance Agent in Watertown, SD, provides a full range of auto insurance services, including liability, collision, and comprehensive coverage. The agency assists clients in selecting appropriate policy limits and deductibles, and can help bundle auto policies with other personal lines for added convenience. Regular policy reviews are offered to adjust coverage as needs change. In addition to personal auto insurance, the office also services insurance needs for single-family homes, apartments, retail locations, and restaurants.

MI
1933 Willow Creek Dr
Meyer Insurance
Auto Insurance Agent · Watertown, SD

Meyer Insurance serves residents of Codington County and the surrounding Watertown area with auto insurance agent services. The company works with clients to understand their specific coverage needs for personal vehicles. Policies typically address liability, collision, and comprehensive protection for cars and light trucks. Additional options often include roadside assistance and rental car reimbursement to help drivers manage unexpected events. Meyer Insurance helps customers select appropriate deductibles and policy limits for their budgets. It handles new policy purchases and annual policy reviews for local drivers in Watertown.

BS
314 4th St NE
Bill Speier - State Farm Insurance Agent
Auto Insurance Agent · Watertown, SD

Bill Speier - State Farm Insurance Agent serves homeowners, drivers, and small business owners in Watertown, South Dakota, offering auto insurance policies tailored to individual coverage needs. Clients can also receive assistance with bundling home and life insurance for additional protection and potential savings. The agency helps customers understand policy options and file claims when necessary. Bill Speier - State Farm Insurance Agent also extends its services to the surrounding area, including the neighboring community of Castlewood, South Dakota.

KI
521 10th St NW
KRANZ INSURANCE - Watertown Insurance LLC
Auto Insurance Agent · Watertown, SD

KRANZ INSURANCE - Watertown Insurance LLC serves Watertown and the surrounding communities in Codington County. The agency handles auto insurance policies for both personal vehicles and commercial fleets operating in eastern South Dakota. It works with multiple carriers to find appropriate coverage limits for each client. The office typically begins each job by reviewing the driver's history and evaluating their specific coverage needs before presenting policy options.

WI
922 W Kemp Ave
Wishard Insurance
Auto Insurance Agent · Watertown, SD

Wishard Insurance in Watertown, SD, distinguishes between one-time auto policy quotes and the ongoing service of a managed policy. For coverage, clients secure the insurance required for local driving conditions and legal compliance, including liability and comprehensive options. This agent assists policyholders with understanding their deductibles and filing claims when needed. Service operates on both a scheduled basis for policy renewals and as an as-needed resource for questions or accident reporting.

SG
920 5th St SE
Steve Gales - State Farm Insurance Agent
Auto Insurance Agent · Watertown, SD

As an auto insurance agent in Watertown, SD, Steve Gales - State Farm Insurance Agent offers specialty services including liability coverage, collision protection, and comprehensive plans tailored for local drivers. It provides general service work such as policy reviews, claims assistance, and personalized coverage consultations for vehicles of all types. The agency helps customers navigate their unique situational needs, such as adjusting policies ahead of South Dakota’s harsh winter weather or the increased summer traffic on Highway 212.

LJ
306 9th Ave SE
Lynn Jurrens American Family Insurance
Auto Insurance Agent · Watertown, SD

After a harsh Watertown winter reveals hidden damage, Lynn Jurrens American Family Insurance helps drivers assess their auto coverage needs. This local agency assists residents in finding policies that address common regional risks like icy roads and hailstorms. The agent works directly with clients to explore available coverage options and adjust deductibles. A review of each driver's current policy and vehicle details is the initial step before a personalized quote and inspection schedule are arranged.

SI
24 N Broadway
Schulz Insurance
Auto Insurance Agent · Watertown, SD

Schulz Insurance provides auto insurance coverage for drivers in and around Watertown, SD, addressing standard liability needs as well as options for collision and comprehensive protection. The agency helps clients review policy limits and deductibles to design an appropriate plan. Specialty add-ons can include rental car reimbursement, roadside assistance, and gap coverage for newer vehicles. This independent agency may quote coverage for personal automobiles, commercial fleet vehicles, and business-owned cars used by staff. It also serves commercial sectors such as offices, warehouses, and food service operations.

PI
1608 9th Ave SW
Puthoff Insurance Agency-Watertown
Auto Insurance Agent · Watertown, SD

Puthoff Insurance Agency-Watertown serves Watertown, SD, with residential auto insurance, covering personal vehicles under standard policies. Commercial auto coverage is also available for local businesses that operate cars, trucks, or vans in the area. The agency works with clients to tailor policies to individual driving needs and vehicle types. Customers can expect thorough assistance during initial sign-ups and at each renewal period. After policies are in place, the agency provides follow-up support between regular service visits, including help with claims or policy adjustments as needed.

GL
1505 10th Ave SE #2
Glacial Lakes Insurance Inc.
Auto Insurance Agent · Watertown, SD

Glacial Lakes Insurance Inc. in Watertown, SD is known for helping drivers find suitable auto insurance coverage tailored to their individual needs and budgets. It offers a range of standard car insurance policies, including liability, collision, and comprehensive protection for local motorists. The agency also works to explain coverage options clearly, ensuring residents understand what each plan covers on the area’s roads. For added peace of mind, the company can provide optional rental car reimbursement coverage for claim-related transportation needs.

LH
812 10th St SW
Leavitt Heartland Insurance
Auto Insurance Agent · Watertown, SD
(605) 882-1688
leavitt.com/southdakota
HI
804 2nd St SE
Heaton Insurance Agency
Auto Insurance Agent · Watertown, SD
(605) 878-2111
FI
1505 9th Ave SE Ste B
Farmers Insurance - Pat Shriver
Auto Insurance Agent · Watertown, SD
(605) 882-2806
agents.farmers.com/sd/watertown/pat-shriver
AW
12 5th St NE
Acrisure Watertown, SD (Fischer Rounds & Associates)
Auto Insurance Agent · Watertown, SD
(605) 886-4361
acrisure.com
WI
1600 4th St NE
World Insurance Associates LLC
Auto Insurance Agent · Watertown, SD
(605) 886-9719
locations.worldinsurance.com/american-trust-insurance-a-division-of-world-bbe3c05412f7
FI
922 W Kemp Ave
Farmers Insurance - Toby Wishard
Auto Insurance Agent · Watertown, SD
(605) 882-5773
agents.farmers.com/sd/watertown/toby-wishard
BI
1414 9th Ave SE A
Brueggeman Insurance
Auto Insurance Agent · Watertown, SD
(605) 886-9043
brueggemaninsurance.com
FU
814 10th St SW
Farmers Union Insurance - Nichols Insurance Agency
Auto Insurance Agent · Watertown, SD
(605) 886-9683
FB
414 10th St NW
Farm Bureau Financial Services: Dane Stahl
Auto Insurance Agent · Watertown, SD
(605) 954-7970
fbfs.com/find-an-agent/danestahl
KA
401 7th Ave SE
Kinsman Agency Inc
Auto Insurance Agent · Watertown, SD
(605) 886-4911
kinsmaninsurance.com

What Does an a Auto Insurance Agent in Watertown Cost?

The average cost of auto insurance in South Dakota is around 1500 dollars per year for full coverage but rates vary by driver age vehicle type driving record and location. Watertown drivers may see slightly different rates due to local traffic patterns and claim history. This is general information not insurance advice.

About auto insurance agents in Watertown

Auto insurance agents in Watertown South Dakota help drivers find coverage that meets state legal requirements. South Dakota law requires all drivers to carry liability insurance with minimum limits of 25000 dollars per person for bodily injury and 50000 dollars per accident. Local agents can also explain optional coverages like uninsured motorist protection and comprehensive plans for harsh winter conditions.

Frequently Asked Questions

What are the minimum auto insurance requirements in South Dakota?

South Dakota requires liability coverage of at least 25000 dollars per person for bodily injury 50000 dollars per accident for bodily injury and 25000 dollars for property damage. You must also have uninsured motorist coverage of at least 25000 dollars per person and 50000 dollars per accident.

How do I find a reliable auto insurance agent in Watertown?

You can search online directories ask for referrals from local friends or visit insurance agency offices in Watertown. Look for agents who are licensed in South Dakota and have experience with local driving conditions and state laws.

Can an auto insurance agent help me after a car accident in Watertown?

Yes an agent can help you file a claim explain your policy coverage and guide you through the claims process. South Dakota has a 6 year statute of limitations for filing a lawsuit after a car accident.

Auto Insurance Agents in Other South Dakota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each auto insurance agent's credentials and current standing with your state Department of Insurance.