Cheapest Car Insurance Quotes in Aurora

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Aurora Car Insurance

^$ 16

/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 $735 for a six-month policy, which is $110 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $341, 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

$735

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Aurora

1st place: Kemper

At $341 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $392 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $450 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 Kemper, offering policies at just $341 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $392.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $977 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
Kemper	$341	$57
Farmers Mutual of Nebraska	$392	$66
Auto-Owners Insurance Co	$450	$75
American Family	$599	$101
State Farm	$729	$123
Allstate	$847	$143
USAA	$853	$144
Auto-Owners	$868	$148
Farmers	$905	$152
Progressive	$914	$154
Nationwide	$951	$160
North Star Mutual	$977	$166

Key Takeaways

Way's key takeaways about car insurance in Aurora

The auto insurance costs in Aurora fall around $341 for six months.
The cheapest auto insurance company in Aurora is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Aurora at $27 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 $93. North Star Mutual Insurance is the most expensive at $150 for the same period.

Cheapest Liability Coverage in Aurora, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$93	$16
Kemper	$119	$20
USAA	$119	$20
American Family	$124	$21
Auto-Owners	$134	$23
North Star Mutual	$134	$23
Auto-Owners Insurance Co	$139	$23
Progressive	$139	$23
State Farm	$139	$23
Farmers	$232	$39
Nationwide	$284	$48
Allstate	$305	$52
North Star Mutual Insurance	$150	$25

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 Kemper at $57 per month and $341 for six months.

Cheapest Full Coverage Car Insurance Quotes in Aurora, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$341	$57
Farmers Mutual of Nebraska	$392	$66
Auto-Owners Insurance Co	$450	$75
American Family	$599	$101
State Farm	$729	$123
Allstate	$847	$143
USAA	$853	$144
Auto-Owners	$868	$148
Farmers	$905	$152
Progressive	$914	$154
Nationwide	$951	$160
North Star Mutual	$977	$166

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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, Kemper provides the cheapest car insurance in the Aurora at $29 per month. At $160 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$171	$29
Auto-Owners Insurance Co	$181	$30
Farmers Mutual of Nebraska	$538	$90
State Farm	$1034	$174
USAA	$1095	$184
American Family	$1411	$238
Farmers	$1556	$262
Progressive	$1623	$273
North Star Mutual	$2067	$351
Auto-Owners	$2155	$359
Nationwide	$2827	$476
Allstate	$4439	$740
North Star Mutual Insurance	$160	$27

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $88 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 State Farm, offering rates of around $2868 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$88	$15
Western National	$155	$26
Iowa Farm Bureau	$207	$35
Kemper	$238	$40
American Family	$827	$139
Progressive	$879	$148
USAA	$1313	$218
North Star Mutual	$1617	$275
Farmers	$1623	$271
Nationwide	$1705	$290
State Farm	$2868	$478

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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 Western National and Kemper, offering $165 and $186, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $269.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$165	$28
Kemper	$186	$31
Auto-Owners Insurance Co	$191	$32
Farmers Mutual of Nebraska	$388	$65
State Farm	$398	$67
USAA	$594	$100
Progressive	$626	$105
Auto-Owners	$641	$108
Farmers	$780	$131
American Family	$847	$143
Allstate	$1241	$207
Nationwide	$1628	$274
North Star Mutual	$1680	$280
North Star Mutual Insurance	$269	$46

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 $754 for a six month policy. While the rate increases by $144 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	$863	$144
One Med/PIP claim	$863	$147
Not-at-fault accident	$884	$147
Two Med/PIP claims	$914	$156
One comp claim	$920	$153
Failure to show documents	$951	$162
Two comp claims	$951	$158
Failure to wear a seat belt	$977	$166
Child safety restraint	$992	$165
Driving without lights	$992	$169
Driving with expired registration	$997	$166
Wrong way/wrong lane	$997	$170
Cell phone violation	$1002	$167
Driving too slowly	$1002	$171
Texting while driving	$1002	$167
Failure to stop at a red light	$1007	$171
Failure to yield	$1007	$168
Following too closely	$1007	$171
Illegal turn	$1007	$168
Speeding 6 - 10 MPH over limit	$1007	$171
Improper passing	$1018	$170
Speeding 11 - 15 MPH over limit	$1023	$174
Speeding 16 - 20 MPH over limit	$1028	$171
Operating a vehicle without permission	$1054	$179
At-fault accident - less than $1000	$1065	$177
In 65 MPH zone	$1065	$181
Speeding in school zone	$1070	$178
Speeding 21 - 25 MPH over limit	$1095	$186
Passing school bus	$1142	$191
Open container	$1183	$201
At-fault accident - $1000-$2000	$1199	$200
At-fault accident - greater than $2000	$1199	$204
Driving with a suspended license	$1447	$241
Reckless driving	$1462	$249
Refusal to submit to a chemical test	$1545	$258
Racing	$1596	$271
DUI	$1617	$270
Leaving scene of an accident/hit and run	$1654	$281

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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 Western National at $155 for a six-month policy. However, it can be as expensive as $2806 with companies like North Star Mutual.

Aurora car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$155	$26
Farmers Mutual of Nebraska	$553	$93
State Farm	$573	$97
Progressive	$589	$99
Farmers	$853	$144
American Family	$930	$157
USAA	$1148	$193
Allstate	$1380	$230
Auto-Owners	$1401	$238
Nationwide	$2139	$360
North Star Mutual	$2806	$477

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 Farmers Mutual of Nebraska at $93. However, it can be as expensive as $1529 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
Farmers Mutual of Nebraska	$93	$16
Kemper	$144	$24
Western National	$155	$26
Auto-Owners Insurance Co	$160	$27
State Farm	$269	$45
USAA	$403	$69
Progressive	$445	$75
North Star Mutual	$491	$84
American Family	$568	$96
Nationwide	$1302	$222
Farmers	$1529	$255

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 remained steady at $144 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Aurora remained steady at $26 in both December and November, 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 $16 per month, which is lower than the national average.

What is the cheapest car insurance in Aurora?

The cheapest car insurance in Aurora is $57 per month for full coverage.

How much is car insurance in Aurora for teenagers?

Car insurance for teenagers costs $171 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 $845 for a six-month policy. It will cost around $124 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 Kemper, offering $341 for a six-month policy.