Cheapest Car Insurance Quotes in Hermosa

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Hermosa Car Insurance

^$ 19

/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 Hermosa

The car insurance rate in Hermosa is $1040 for a six-month policy, which is $86 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $330, making it a popular choice for budget-conscious drivers. Rates in Hermosa 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 Hermosa

$1040

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Hermosa

1st place: American Family

At $330 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 $427 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 $531 for six months, making it the third cheapest auto insurance company in Hermosa.

Hermosa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hermosa, SD is American Family, offering policies at just $330 for a six-month term. This is followed by Kemper, which has an average six-month premium of $427.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1962 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hermosa drivers find the best deals.

Cheap Car Insurance Companies in Hermosa, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$330	$55
Kemper	$427	$73
Farmers Mutual of Nebraska	$531	$89
Auto-Owners Insurance Co	$564	$96
State Farm	$978	$165
Allstate	$1062	$179
Progressive	$1068	$180
USAA	$1094	$184
Nationwide	$1249	$210
Auto-Owners	$1262	$213
Farmers	$1288	$217
North Star Mutual	$1716	$292
Farm Bureau	$1962	$327

Key Takeaways

Way's key takeaways about car insurance in Hermosa

The auto insurance costs in Hermosa fall around $330 for six months.
The cheapest auto insurance company in Hermosa is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Hermosa at $623 per month.

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Cheapest Minimum Liability Car Insurance in Hermosa

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 Hermosa are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Hermosa. Their Average 6 Month Premium is $110. Farmers is the most expensive at $408 for the same period.

Cheapest Liability Coverage in Hermosa, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$110	$19
American Family	$130	$22
Kemper	$149	$25
USAA	$156	$26
Progressive	$162	$27
Auto-Owners Insurance Co	$174	$29
State Farm	$181	$31
North Star Mutual	$194	$33
Auto-Owners	$201	$34
North Star Mutual Insurance	$233	$39
Farm Bureau	$271	$46
Nationwide	$350	$59
Allstate	$382	$65
Farmers	$408	$70

Cheapest Full Coverage Car Insurance in Hermosa

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 Hermosa is American Family at $55 per month and $330 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hermosa, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$330	$55
Kemper	$427	$73
Farmers Mutual of Nebraska	$531	$89
Auto-Owners Insurance Co	$564	$96
State Farm	$978	$165
Allstate	$1062	$179
Progressive	$1068	$180
USAA	$1094	$184
Nationwide	$1249	$210
Auto-Owners	$1262	$213
Farmers	$1288	$217
North Star Mutual	$1716	$292
Farm Bureau	$1962	$327

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Average Car Insurance in Hermosa 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 Hermosa, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Hermosa, 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, Hermosa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hermosa

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 Hermosa,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Hermosa at $28 per month. At $3742 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$168	$28
North Star Mutual Insurance	$207	$35
Kemper	$214	$36
Auto-Owners Insurance Co	$227	$38
Farmers Mutual of Nebraska	$835	$141
USAA	$1463	$246
State Farm	$1482	$250
Progressive	$1890	$318
North Star Mutual	$2214	$370
Auto-Owners	$3127	$526
Nationwide	$3658	$616
Farm Bureau	$3729	$634
Allstate	$5561	$927
Farmers	$3742	$623

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 Hermosa, American Family is the cheapest car insurance provider. At $149 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 Hermosa is Farmers, offering rates of around $2033 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Western National	$194	$33
Iowa Farm Bureau	$259	$44
Kemper	$298	$50
Farmers Mutual of Nebraska	$524	$88
Progressive	$803	$135
USAA	$1839	$313
Nationwide	$2350	$391
North Star Mutual	$2849	$484
Farm Bureau	$3678	$613
Auto-Owners	$4435	$754
State Farm	$5393	$899
Farmers	$2033	$346

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Car Insurance Rates with An Accident in Hermosa

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

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

The cheapest car insurance companies after an at-fault accident in Hermosa include American Family and Western National, offering $181 and $207, respectively. Farmers is an expensive provider with an average six-month premium of $1742.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$181	$31
Western National	$207	$35
Kemper	$233	$39
Auto-Owners Insurance Co	$240	$40
North Star Mutual Insurance	$356	$59
State Farm	$557	$94
Farmers Mutual of Nebraska	$602	$101
Progressive	$744	$125
USAA	$784	$132
Auto-Owners	$1198	$202
Allstate	$1554	$259
Nationwide	$2149	$362
North Star Mutual	$2966	$494
Farm Bureau	$3011	$512
Farmers	$1742	$296

Hermosa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hermosa SD. For example, the car insurance in Hermosa after a DUI increases to $945 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Hermosa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1081	$180
One Med/PIP claim	$1081	$184
Not-at-fault accident	$1107	$184
Two Med/PIP claims	$1146	$195
One comp claim	$1152	$192
Failure to show documents	$1191	$203
Two comp claims	$1191	$198
Failure to wear a seat belt	$1224	$208
Child safety restraint	$1243	$207
Driving without lights	$1243	$211
Driving with expired registration	$1249	$208
Wrong way/wrong lane	$1249	$213
Cell phone violation	$1256	$209
Driving too slowly	$1256	$214
Texting while driving	$1256	$209
Failure to stop at a red light	$1262	$215
Failure to yield	$1262	$210
Following too closely	$1262	$215
Illegal turn	$1262	$210
Speeding 6 - 10 MPH over limit	$1262	$215
Improper passing	$1275	$213
Speeding 11 - 15 MPH over limit	$1282	$218
Speeding 16 - 20 MPH over limit	$1288	$215
Operating a vehicle without permission	$1321	$225
At-fault accident - less than $1000	$1334	$222
In 65 MPH zone	$1334	$227
Speeding in school zone	$1341	$223
Speeding 21 - 25 MPH over limit	$1372	$233
Passing school bus	$1431	$239
Open container	$1482	$252
At-fault accident - $1000-$2000	$1502	$251
At-fault accident - greater than $2000	$1502	$255
Driving with a suspended license	$1813	$302
Reckless driving	$1832	$312
Refusal to submit to a chemical test	$1936	$323
Racing	$2000	$340
DUI	$2026	$338
Leaving scene of an accident/hit and run	$2072	$352

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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 Hermosa 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 Hermosa.

The cheapest car insurance premiums in Hermosa are offered by American Family at $174 for a six-month policy. However, it can be as expensive as $1832 with companies like Farmers.

Hermosa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Western National	$194	$33
Progressive	$687	$116
Farmers Mutual of Nebraska	$861	$145
State Farm	$861	$145
USAA	$1515	$255
Auto-Owners	$1625	$274
Allstate	$1729	$294
Nationwide	$2836	$477
Farm Bureau	$4151	$705
North Star Mutual	$4953	$825
Farmers	$1832	$305

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 Hermosa are offered by American Family at $174. However, it can be as expensive as $1916 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hermosa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Kemper	$181	$31
Western National	$194	$33
Auto-Owners Insurance Co	$201	$34
Farmers Mutual of Nebraska	$298	$50
Progressive	$401	$68
State Farm	$401	$68
North Star Mutual	$511	$87
USAA	$634	$106
Auto-Owners	$1159	$197
Farm Bureau	$1269	$211
Nationwide	$1541	$262
Farmers	$1916	$319

Car Insurance Price Trends in Hermosa, South Dakota

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

The average cost of full coverage in the Hermosa rose by $184 in January compared to $181 of December. In other words, there has been an increase by $3 when you compare January and December.

The average cost of liability insurance in the Hermosa remained steady at $33 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 Hermosa?

The car insurance in Hermosa is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Hermosa?

The cheapest car insurance in Hermosa is $55 per month for full coverage.

How much is car insurance in Hermosa for teenagers?

Car insurance for teenagers costs $168 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 Hermosa?

The average cost of car insurance is $954 for a six-month policy. It will cost around $174 per month to insure your car in Hermosa.

Is car insurance expensive in Hermosa?

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

What is the best car insurance in Hermosa, SD?

The best car insurance company in Hermosa SD is American Family, offering $330 for a six-month policy.