Cheapest Car Insurance Quotes in Hermosa

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Hermosa Car Insurance

^$ 20

/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 $921 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, 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

$921

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Hermosa

1st place: Kemper

At $427 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 $492 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 $564 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 Kemper, offering policies at just $427 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $492.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1224 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
Kemper	$427	$71
Farmers Mutual of Nebraska	$492	$83
Auto-Owners Insurance Co	$564	$94
American Family	$751	$126
State Farm	$913	$154
Allstate	$1062	$179
USAA	$1068	$180
Auto-Owners	$1088	$185
Farmers	$1134	$191
Progressive	$1146	$193
Nationwide	$1191	$201
North Star Mutual	$1224	$208

Key Takeaways

Way's key takeaways about car insurance in Hermosa

The auto insurance costs in Hermosa fall around $427 for six months.
The cheapest auto insurance company in Hermosa is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Hermosa at $34 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 $117. North Star Mutual Insurance is the most expensive at $187 for the same period.

Cheapest Liability Coverage in Hermosa, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$117	$20
Kemper	$149	$25
USAA	$149	$25
American Family	$156	$26
Auto-Owners	$168	$28
North Star Mutual	$168	$28
Auto-Owners Insurance Co	$174	$29
Progressive	$174	$29
State Farm	$174	$29
Farmers	$291	$49
Nationwide	$356	$60
Allstate	$382	$65
North Star Mutual Insurance	$187	$32

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 Kemper at $71 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hermosa, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$427	$71
Farmers Mutual of Nebraska	$492	$83
Auto-Owners Insurance Co	$564	$94
American Family	$751	$126
State Farm	$913	$154
Allstate	$1062	$179
USAA	$1068	$180
Auto-Owners	$1088	$185
Farmers	$1134	$191
Progressive	$1146	$193
Nationwide	$1191	$201
North Star Mutual	$1224	$208

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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, Kemper provides the cheapest car insurance in the Hermosa at $36 per month. At $201 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	$214	$36
Auto-Owners Insurance Co	$227	$38
Farmers Mutual of Nebraska	$674	$113
State Farm	$1295	$218
USAA	$1372	$231
American Family	$1768	$298
Farmers	$1949	$328
Progressive	$2033	$342
North Star Mutual	$2590	$440
Auto-Owners	$2700	$450
Nationwide	$3541	$596
Allstate	$5561	$927
North Star Mutual Insurance	$201	$34

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $110 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 State Farm, offering rates of around $3594 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$110	$19
Western National	$194	$33
Iowa Farm Bureau	$259	$44
Kemper	$298	$50
American Family	$1036	$174
Progressive	$1101	$185
USAA	$1645	$274
North Star Mutual	$2026	$344
Farmers	$2033	$339
Nationwide	$2136	$363
State Farm	$3594	$598

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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 Western National and Kemper, offering $207 and $233, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $337.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$207	$35
Kemper	$233	$39
Auto-Owners Insurance Co	$240	$40
Farmers Mutual of Nebraska	$486	$82
State Farm	$498	$84
USAA	$744	$125
Progressive	$784	$132
Auto-Owners	$803	$135
Farmers	$978	$165
American Family	$1062	$179
Allstate	$1554	$259
Nationwide	$2039	$343
North Star Mutual	$2105	$351
North Star Mutual Insurance	$337	$58

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 Western National at $194 for a six-month policy. However, it can be as expensive as $3515 with companies like North Star Mutual.

Hermosa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$194	$33
Farmers Mutual of Nebraska	$693	$117
State Farm	$718	$121
Progressive	$738	$124
Farmers	$1068	$180
American Family	$1165	$196
USAA	$1438	$242
Allstate	$1729	$288
Auto-Owners	$1755	$299
Nationwide	$2680	$451
North Star Mutual	$3515	$597

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 Farmers Mutual of Nebraska at $117. 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
Farmers Mutual of Nebraska	$117	$20
Kemper	$181	$31
Western National	$194	$33
Auto-Owners Insurance Co	$201	$34
State Farm	$337	$57
USAA	$505	$86
Progressive	$557	$94
North Star Mutual	$615	$105
American Family	$712	$120
Nationwide	$1632	$278
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 remained steady at $180 in both December and November, indicating no change over the two month period.

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

The car insurance in Hermosa is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Hermosa?

The cheapest car insurance in Hermosa is $71 per month for full coverage.

How much is car insurance in Hermosa for teenagers?

Car insurance for teenagers costs $214 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 $845 for a six-month policy. It will cost around $155 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 Kemper, offering $427 for a six-month policy.