Cheapest Car Insurance Quotes in Hill City

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Hill City 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 Hill City

The car insurance rate in Hill City is $896 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, 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

$896

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Hill City

1st place: Kemper

At $416 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 $478 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 $548 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, SD is Kemper, offering policies at just $416 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $478.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1190 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, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$416	$69
Farmers Mutual of Nebraska	$478	$81
Auto-Owners Insurance Co	$548	$91
American Family	$730	$123
State Farm	$888	$149
Allstate	$1032	$174
USAA	$1039	$175
Auto-Owners	$1058	$180
Farmers	$1102	$186
Progressive	$1114	$188
Nationwide	$1159	$195
North Star Mutual	$1190	$202

Key Takeaways

Way's key takeaways about car insurance in Hill City

The auto insurance costs in Hill City fall around $416 for six months.
The cheapest auto insurance company in Hill City is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Hill City at $33 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.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Hill City. Their Average 6 Month Premium is $113. North Star Mutual Insurance is the most expensive at $182 for the same period.

Cheapest Liability Coverage in Hill City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$113	$19
Kemper	$145	$24
USAA	$145	$24
American Family	$152	$25
Auto-Owners	$163	$28
North Star Mutual	$163	$28
Auto-Owners Insurance Co	$170	$29
Progressive	$170	$29
State Farm	$170	$29
Farmers	$283	$48
Nationwide	$347	$58
Allstate	$371	$64
North Star Mutual Insurance	$182	$31

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 Kemper at $69 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hill City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$416	$69
Farmers Mutual of Nebraska	$478	$81
Auto-Owners Insurance Co	$548	$91
American Family	$730	$123
State Farm	$888	$149
Allstate	$1032	$174
USAA	$1039	$175
Auto-Owners	$1058	$180
Farmers	$1102	$186
Progressive	$1114	$188
Nationwide	$1159	$195
North Star Mutual	$1190	$202

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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, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Hill City, 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, 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

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hill City at $35 per month. At $195 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	$208	$35
Auto-Owners Insurance Co	$220	$37
Farmers Mutual of Nebraska	$655	$110
State Farm	$1259	$212
USAA	$1335	$225
American Family	$1719	$289
Farmers	$1895	$319
Progressive	$1977	$333
North Star Mutual	$2519	$428
Auto-Owners	$2626	$438
Nationwide	$3444	$580
Allstate	$5408	$901
North Star Mutual Insurance	$195	$33

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 Hill City, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $107 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 $3495 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$107	$18
Western National	$189	$32
Iowa Farm Bureau	$252	$42
Kemper	$289	$49
American Family	$1007	$170
Progressive	$1071	$180
USAA	$1600	$266
North Star Mutual	$1971	$335
Farmers	$1977	$330
Nationwide	$2078	$353
State Farm	$3495	$582

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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, SD, 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 Western National and Kemper, offering $201 and $227, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $328.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$201	$34
Kemper	$227	$38
Auto-Owners Insurance Co	$233	$39
Farmers Mutual of Nebraska	$473	$80
State Farm	$484	$82
USAA	$724	$122
Progressive	$762	$128
Auto-Owners	$781	$131
Farmers	$951	$160
American Family	$1032	$174
Allstate	$1512	$252
Nationwide	$1983	$334
North Star Mutual	$2047	$341
North Star Mutual Insurance	$328	$56

Hill City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hill City SD. For example, the car insurance in Hill City after a DUI increases to $919 for a six month policy. While the rate increases by $175 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	$1052	$175
One Med/PIP claim	$1052	$179
Not-at-fault accident	$1077	$179
Two Med/PIP claims	$1114	$190
One comp claim	$1120	$187
Failure to show documents	$1159	$197
Two comp claims	$1159	$193
Failure to wear a seat belt	$1190	$202
Child safety restraint	$1208	$201
Driving without lights	$1208	$206
Driving with expired registration	$1215	$202
Wrong way/wrong lane	$1215	$207
Cell phone violation	$1221	$204
Driving too slowly	$1221	$208
Texting while driving	$1221	$204
Failure to stop at a red light	$1227	$209
Failure to yield	$1227	$205
Following too closely	$1227	$209
Illegal turn	$1227	$205
Speeding 6 - 10 MPH over limit	$1227	$209
Improper passing	$1240	$207
Speeding 11 - 15 MPH over limit	$1247	$212
Speeding 16 - 20 MPH over limit	$1253	$209
Operating a vehicle without permission	$1285	$218
At-fault accident - less than $1000	$1297	$216
In 65 MPH zone	$1297	$220
Speeding in school zone	$1304	$217
Speeding 21 - 25 MPH over limit	$1335	$227
Passing school bus	$1392	$232
Open container	$1442	$245
At-fault accident - $1000-$2000	$1461	$244
At-fault accident - greater than $2000	$1461	$248
Driving with a suspended license	$1763	$294
Reckless driving	$1782	$303
Refusal to submit to a chemical test	$1883	$314
Racing	$1945	$331
DUI	$1971	$329
Leaving scene of an accident/hit and run	$2015	$342

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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 Western National at $189 for a six-month policy. However, it can be as expensive as $3419 with companies like North Star Mutual.

Hill City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$189	$32
Farmers Mutual of Nebraska	$674	$113
State Farm	$699	$118
Progressive	$718	$121
Farmers	$1039	$175
American Family	$1133	$191
USAA	$1398	$235
Allstate	$1681	$280
Auto-Owners	$1707	$290
Nationwide	$2607	$439
North Star Mutual	$3419	$581

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 Farmers Mutual of Nebraska at $113. However, it can be as expensive as $1863 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hill City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$113	$19
Kemper	$176	$30
Western National	$189	$32
Auto-Owners Insurance Co	$195	$33
State Farm	$328	$55
USAA	$491	$84
Progressive	$542	$91
North Star Mutual	$598	$102
American Family	$692	$117
Nationwide	$1587	$270
Farmers	$1863	$311

Car Insurance Price Trends in Hill City, South Dakota

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 remained steady at $175 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hill City remained steady at $32 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 Hill City?

The car insurance in Hill City is $19 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 $69 per month for full coverage.

How much is car insurance in Hill City for teenagers?

Car insurance for teenagers costs $208 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 $845 for a six-month policy. It will cost around $151 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.

What is the best car insurance in Hill City, SD?

The best car insurance company in Hill City SD is Kemper, offering $416 for a six-month policy.