Cheapest Car Insurance Quotes in Hill City

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Hill City Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hill City

The car insurance rate in Hill City is $1041 for a six-month policy, which is $77 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $500, making it a popular choice for budget-conscious drivers. Rates in Hill City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hill City

$1041

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Hill City

1st place: AutoOwners Insurance Co

At $500 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $738 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $783 for six months, making it the third cheapest auto insurance company in Hill City.

Hill City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hill City, KS is AutoOwners Insurance Co, offering policies at just $500 for a six-month term. This is followed by Travelers, which has an average six-month premium of $738.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1661 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hill City drivers find the best deals.

Cheap Car Insurance Companies in Hill City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$83
Travelers	$738	$124
American Family	$783	$132
USAA	$783	$132
Nationwide	$853	$144
Shelter	$923	$156
Auto-Owners	$1058	$176
State Farm	$1071	$180
Progressive	$1174	$198
Farmers	$1206	$203
Encompass	$1360	$227
Farm Bureau	$1431	$243
Allstate	$1661	$280

Key Takeaways

Way's key takeaways about car insurance in Hill City

The auto insurance costs in Hill City fall around $500 for six months.
The cheapest auto insurance company in Hill City is USAA.
Teen drivers pay the highest rate in Hill City at $831 per month.

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Cheapest Minimum Liability Car Insurance in Hill City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hill City are given below.

USAA provides the cheapest minimum car insurance coverage in Hill City. Their Average 6 Month Premium is $173. Encompass is the most expensive at $257 for the same period.

Cheapest Liability Coverage in Hill City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$173	$29
Auto-Owners Insurance Co	$179	$30
Iowa Farm Bureau	$225	$38
Farmers Union Insurance	$238	$40
Travelers	$244	$41
Auto-Owners	$257	$43
Electric	$257	$43
Kansas Farm Bureau	$269	$45
Progressive	$275	$46
American Family	$282	$48
State Farm	$282	$48
Farm Bureau	$288	$49
Shelter	$327	$55
Farmers	$469	$79
Allstate	$622	$105
Encompass	$257	$43

Cheapest Full Coverage Car Insurance in Hill City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hill City is AutoOwners Insurance Co at $83 per month and $500 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hill City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$83
Travelers	$738	$124
American Family	$783	$132
USAA	$783	$132
Nationwide	$853	$144
Shelter	$923	$156
Auto-Owners	$1058	$176
State Farm	$1071	$180
Progressive	$1174	$198
Farmers	$1206	$203
Encompass	$1360	$227
Farm Bureau	$1431	$243
Allstate	$1661	$280

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Average Car Insurance in Hill City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hill City, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Hill City, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hill City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hill City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$825
30s	Nationwide	$710
40s	Nationwide	$575
50s	Nationwide	$526
60s	Nationwide	$501
70s	Nationwide	$544

Cheapest Car Insurance Rates for Teen Drivers in Hill City,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Hill City at $40 per month. At $4933 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$40
Iowa Farm Bureau	$264	$44
Farmers Union Insurance	$275	$46
Kansas Farm Bureau	$353	$58
Travelers	$764	$129
American Family	$1347	$227
USAA	$1597	$269
State Farm	$2252	$379
Shelter	$2509	$422
Progressive	$2527	$426
Farmers	$2913	$490
Farm Bureau	$3221	$537
Allstate	$4933	$831

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Hill City.

As young drivers face the highest rates in Hill City, Nationwide offers the cheapest auto insurance rates at $825 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hill City, Iowa Farm Bureau is the cheapest car insurance provider. At $430 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hill City is State Farm, offering rates of around $4530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$430	$73
Farmers Union Insurance	$436	$72
Nationwide	$469	$80
Travelers	$821	$138
USAA	$1045	$178
Progressive	$1071	$180
Shelter	$1161	$195
American Family	$1187	$200
Farmers	$1540	$259
Farm Bureau	$2643	$441
Allstate	$2771	$471
State Farm	$4530	$755

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Save up to $971/yr on car insurance rates in Hill City.

Car Insurance Rates with An Accident in Hill City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hill City, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hill City

The cheapest car insurance companies after an at-fault accident in Hill City include AutoOwners Insurance Co and Electric, offering $218 and $308, respectively. Encompass is an expensive provider with an average six-month premium of $353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Electric	$308	$52
Iowa Farm Bureau	$347	$57
Farmers Union Insurance	$366	$63
Auto-Owners	$384	$64
Kansas Farm Bureau	$487	$83
Travelers	$552	$93
USAA	$635	$107
State Farm	$705	$119
American Family	$751	$126
Shelter	$988	$166
Progressive	$1244	$210
Farmers	$2162	$364
Farm Bureau	$2169	$368
Allstate	$2400	$404
Encompass	$353	$60

Hill City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hill City KS. For example, the car insurance in Hill City after a DUI increases to $1097 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Hill City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1257	$210
One Med/PIP claim	$1257	$214
Not-at-fault accident	$1290	$215
Two Med/PIP claims	$1347	$229
One comp claim	$1353	$226
Failure to show documents	$1392	$237
Two comp claims	$1405	$234
Failure to wear a seat belt	$1418	$241
Child safety restraint	$1456	$243
Driving with expired registration	$1456	$247
Driving without lights	$1456	$243
Speeding 6 - 10 MPH over limit	$1501	$255
Cell phone violation	$1521	$254
Driving too slowly	$1521	$258
Texting while driving	$1521	$254
Failure to yield	$1534	$260
Following too closely	$1534	$256
Illegal turn	$1534	$260
Wrong way/wrong lane	$1534	$256
In 65 MPH zone	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Failure to stop at a red light	$1547	$262
Improper passing	$1547	$258
Speeding in school zone	$1547	$262
Speeding 16 - 20 MPH over limit	$1552	$259
Open container	$1565	$266
Operating a vehicle without permission	$1578	$264
Passing school bus	$1591	$270
Speeding 21 - 25 MPH over limit	$1591	$266
At-fault accident - less than $1000	$1610	$274
At-fault accident - $1000-$2000	$1777	$296
At-fault accident - greater than $2000	$1777	$302
Racing	$1963	$327
Reckless driving	$2130	$362
Driving with a suspended license	$2309	$384
Refusal to submit to a chemical test	$2335	$397
DUI	$2354	$392
Leaving scene of an accident/hit and run	$2451	$417

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hill City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hill City.

The cheapest car insurance premiums in Hill City are offered by Farmers Union Insurance at $423 for a six-month policy. However, it can be as expensive as $3400 with companies like Farm Bureau.

Hill City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$423	$72
Travelers	$584	$98
American Family	$693	$117
Progressive	$783	$132
State Farm	$956	$161
USAA	$1231	$207
Shelter	$1412	$238
Farmers	$1437	$242
Allstate	$2066	$348
Farm Bureau	$3400	$567

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hill City are offered by Iowa Farm Bureau at $282. However, it can be as expensive as $3670 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hill City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$282	$48
Auto-Owners Insurance Co	$295	$50
Farmers Union Insurance	$314	$53
Travelers	$622	$105
American Family	$674	$113
USAA	$680	$113
State Farm	$693	$117
Progressive	$930	$157
Farm Bureau	$1226	$208
Shelter	$1366	$228
Farmers	$1469	$247
Allstate	$3670	$611

Car Insurance Price Trends in Hill City, Kansas

Car insurance rates in Hill City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hill City rose by $200 in December compared to $199 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Hill City rose to $50 in December, compared to $49 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hill City?

The car insurance in Hill City is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Hill City?

The cheapest car insurance in Hill City is $83 per month for full coverage.

How much is car insurance in Hill City for teenagers?

Car insurance for teenagers costs $238 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hill City?

The average cost of car insurance is $964 for a six-month policy. It will cost around $175 per month to insure your car in Hill City.

Is car insurance expensive in Hill City?

Car insurance can be expensive in Hill City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hill City can be affordable.

Cheapest Car Insurance Quotes in Hill City

Why you can trust Way?

How Much Is Car Insurance in Hill City

Avg. Car Insurance in Hill City

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Hill City

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Hill City Car Insurance Rates by Company

Cheap Car Insurance Companies in Hill City, KS

Way's key takeaways about car insurance in Hill City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hill City

Cheapest Liability Coverage in Hill City, KS

Cheapest Full Coverage Car Insurance in Hill City

Cheapest Full Coverage Car Insurance Quotes in Hill City, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hill City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hill City, KS increasing?

Car Insurance Premiums by Age in Hill City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hill City,KS

If you are in your twenties Nationwide is the best choice for car insurance in Hill City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Hill City

Cheapest Car Insurance Companies after an At-Fault Accident in Hill City

Hill City Car Insurance Rates by Violation

Hill City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hill City after a DUI

Hill City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hill City after Speeding ticket

Car Insurance Price Trends in Hill City, Kansas

Average Car Insurance Cost in Hill City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hill City, KS

Car Insurance Rates by State in the USA (2025 Update)

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