American West Insurance Company, part of Nodak Mutual, filed a 6% rate decrease for its Personal Auto program in South Dakota, effective January 15, 2026.

The reduction—focused on Comprehensive and Collision coverages—affects 5,739 policyholders and $14.8 million in written premium. The filing, based on group-wide data from Nodak, American West, and Battle Creek, was approved on October 21, 2025.