Cheapest Car Insurance Quotes in Aurora

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Aurora Car Insurance

^$ 14

/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 Aurora

The car insurance rate in Aurora is $792 for a six-month policy, which is $162 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $251, making it a popular choice for budget-conscious drivers. Rates in Aurora 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 Aurora

$792

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Aurora

1st place: American Family

At $251 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $325 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $404 for six months, making it the third cheapest auto insurance company in Aurora.

Aurora Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Aurora, SD is American Family, offering policies at just $251 for a six-month term. This is followed by Kemper, which has an average six-month premium of $325.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1494 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Aurora drivers find the best deals.

Cheap Car Insurance Companies in Aurora, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$251	$42
Kemper	$325	$56
Farmers Mutual of Nebraska	$404	$68
Auto-Owners Insurance Co	$429	$73
State Farm	$745	$125
Allstate	$808	$136
Progressive	$813	$137
USAA	$833	$140
Nationwide	$951	$160
Auto-Owners	$961	$162
Farmers	$981	$165
North Star Mutual	$1306	$222
Farm Bureau	$1494	$249

Key Takeaways

Way's key takeaways about car insurance in Aurora

The auto insurance costs in Aurora fall around $251 for six months.
The cheapest auto insurance company in Aurora is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Aurora at $475 per month.

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Cheapest Minimum Liability Car Insurance in Aurora

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 Aurora are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Aurora. Their Average 6 Month Premium is $84. Farmers is the most expensive at $310 for the same period.

Cheapest Liability Coverage in Aurora, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$84	$14
American Family	$99	$17
Kemper	$114	$19
USAA	$119	$20
Progressive	$124	$21
Auto-Owners Insurance Co	$133	$22
State Farm	$138	$23
North Star Mutual	$148	$25
Auto-Owners	$153	$26
North Star Mutual Insurance	$178	$30
Farm Bureau	$207	$35
Nationwide	$266	$45
Allstate	$291	$50
Farmers	$310	$53

Cheapest Full Coverage Car Insurance in Aurora

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 Aurora is American Family at $42 per month and $251 for six months.

Cheapest Full Coverage Car Insurance Quotes in Aurora, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$251	$42
Kemper	$325	$56
Farmers Mutual of Nebraska	$404	$68
Auto-Owners Insurance Co	$429	$73
State Farm	$745	$125
Allstate	$808	$136
Progressive	$813	$137
USAA	$833	$140
Nationwide	$951	$160
Auto-Owners	$961	$162
Farmers	$981	$165
North Star Mutual	$1306	$222
Farm Bureau	$1494	$249

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Average Car Insurance in Aurora 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 Aurora, SD increasing?

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

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

Car Insurance Premiums by Age in Aurora

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

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Cheapest Car Insurance Rates for Teen Drivers in Aurora,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Aurora at $22 per month. At $2849 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$128	$22
North Star Mutual Insurance	$158	$27
Kemper	$163	$27
Auto-Owners Insurance Co	$173	$29
Farmers Mutual of Nebraska	$636	$107
USAA	$1114	$188
State Farm	$1129	$190
Progressive	$1439	$242
North Star Mutual	$1686	$281
Auto-Owners	$2381	$401
Nationwide	$2785	$469
Farm Bureau	$2839	$483
Allstate	$4235	$706
Farmers	$2849	$475

Teen Car Insurance Rates in SD by Age

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 Aurora, American Family is the cheapest car insurance provider. At $114 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 Aurora is Farmers, offering rates of around $1548 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$114	$19
Western National	$148	$25
Iowa Farm Bureau	$198	$33
Kemper	$227	$38
Farmers Mutual of Nebraska	$399	$67
Progressive	$612	$103
USAA	$1400	$238
Nationwide	$1789	$298
North Star Mutual	$2170	$369
Farm Bureau	$2800	$466
Auto-Owners	$3377	$574
State Farm	$4107	$685
Farmers	$1548	$263

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Car Insurance Rates with An Accident in Aurora

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 Aurora, SD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Aurora

The cheapest car insurance companies after an at-fault accident in Aurora include American Family and Western National, offering $138 and $158, respectively. Farmers is an expensive provider with an average six-month premium of $1326.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$138	$23
Western National	$158	$27
Kemper	$178	$30
Auto-Owners Insurance Co	$183	$31
North Star Mutual Insurance	$271	$45
State Farm	$424	$71
Farmers Mutual of Nebraska	$458	$77
Progressive	$567	$95
USAA	$597	$100
Auto-Owners	$912	$154
Allstate	$1184	$198
Nationwide	$1637	$276
North Star Mutual	$2258	$376
Farm Bureau	$2292	$390
Farmers	$1326	$226

Aurora Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Aurora SD. For example, the car insurance in Aurora after a DUI increases to $720 for a six month policy. While the rate increases by $138 for a six-month policy in the case of a speeding ticket.

Aurora auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$823	$137
One Med/PIP claim	$823	$140
Not-at-fault accident	$843	$140
Two Med/PIP claims	$872	$149
One comp claim	$877	$146
Failure to show documents	$907	$154
Two comp claims	$907	$151
Failure to wear a seat belt	$932	$159
Child safety restraint	$946	$158
Driving without lights	$946	$161
Driving with expired registration	$951	$159
Wrong way/wrong lane	$951	$162
Cell phone violation	$956	$159
Driving too slowly	$956	$163
Texting while driving	$956	$159
Failure to stop at a red light	$961	$164
Failure to yield	$961	$160
Following too closely	$961	$164
Illegal turn	$961	$160
Speeding 6 - 10 MPH over limit	$961	$164
Improper passing	$971	$162
Speeding 11 - 15 MPH over limit	$976	$166
Speeding 16 - 20 MPH over limit	$981	$164
Operating a vehicle without permission	$1006	$171
At-fault accident - less than $1000	$1016	$169
In 65 MPH zone	$1016	$173
Speeding in school zone	$1021	$170
Speeding 21 - 25 MPH over limit	$1045	$178
Passing school bus	$1090	$182
Open container	$1129	$192
At-fault accident - $1000-$2000	$1144	$191
At-fault accident - greater than $2000	$1144	$194
Driving with a suspended license	$1380	$230
Reckless driving	$1395	$237
Refusal to submit to a chemical test	$1474	$246
Racing	$1523	$259
DUI	$1543	$257
Leaving scene of an accident/hit and run	$1578	$268

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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 Aurora 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 Aurora.

The cheapest car insurance premiums in Aurora are offered by American Family at $133 for a six-month policy. However, it can be as expensive as $1395 with companies like Farmers.

Aurora car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$133	$22
Western National	$148	$25
Progressive	$523	$88
Farmers Mutual of Nebraska	$656	$110
State Farm	$656	$110
USAA	$1154	$194
Auto-Owners	$1238	$208
Allstate	$1316	$224
Nationwide	$2160	$364
Farm Bureau	$3161	$537
North Star Mutual	$3772	$628
Farmers	$1395	$232

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 Aurora are offered by American Family at $133. However, it can be as expensive as $1459 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Aurora after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$133	$22
Kemper	$138	$23
Western National	$148	$25
Auto-Owners Insurance Co	$153	$26
Farmers Mutual of Nebraska	$227	$38
Progressive	$305	$51
State Farm	$305	$51
North Star Mutual	$389	$66
USAA	$483	$81
Auto-Owners	$882	$150
Farm Bureau	$966	$161
Nationwide	$1174	$199
Farmers	$1459	$243

Car Insurance Price Trends in Aurora, South Dakota

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

The average cost of full coverage in the Aurora rose by $140 in January compared to $138 of December. In other words, there has been an increase by $2 when you compare January and December.

The average cost of liability insurance in the Aurora remained steady at $25 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Aurora?

The car insurance in Aurora is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Aurora?

The cheapest car insurance in Aurora is $42 per month for full coverage.

How much is car insurance in Aurora for teenagers?

Car insurance for teenagers costs $128 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 Aurora?

The average cost of car insurance is $954 for a six-month policy. It will cost around $133 per month to insure your car in Aurora.

Is car insurance expensive in Aurora?

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

What is the best car insurance in Aurora, SD?

The best car insurance company in Aurora SD is American Family, offering $251 for a six-month policy.