Cheapest Car Insurance Quotes in Hosmer

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Hosmer Car Insurance

^$ 17

/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 Hosmer

The car insurance rate in Hosmer is $803 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Hosmer 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 Hosmer

$803

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Hosmer

1st place: Kemper

At $372 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 $428 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 $491 for six months, making it the third cheapest auto insurance company in Hosmer.

Hosmer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hosmer, SD is Kemper, offering policies at just $372 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $428.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hosmer drivers find the best deals.

Cheap Car Insurance Companies in Hosmer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$62
Farmers Mutual of Nebraska	$428	$72
Auto-Owners Insurance Co	$491	$82
American Family	$655	$110
State Farm	$796	$134
Allstate	$925	$156
USAA	$931	$157
Auto-Owners	$948	$162
Farmers	$988	$166
Progressive	$998	$168
Nationwide	$1038	$175
North Star Mutual	$1067	$181

Key Takeaways

Way's key takeaways about car insurance in Hosmer

The auto insurance costs in Hosmer fall around $372 for six months.
The cheapest auto insurance company in Hosmer is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Hosmer at $29 per month.

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Cheapest Minimum Liability Car Insurance in Hosmer

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 Hosmer are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Hosmer. Their Average 6 Month Premium is $102. North Star Mutual Insurance is the most expensive at $163 for the same period.

Cheapest Liability Coverage in Hosmer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$102	$17
Kemper	$130	$22
USAA	$130	$22
American Family	$136	$23
Auto-Owners	$146	$25
North Star Mutual	$146	$25
Auto-Owners Insurance Co	$152	$26
Progressive	$152	$26
State Farm	$152	$26
Farmers	$254	$43
Nationwide	$311	$52
Allstate	$333	$57
North Star Mutual Insurance	$163	$28

Cheapest Full Coverage Car Insurance in Hosmer

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 Hosmer is Kemper at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hosmer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$62
Farmers Mutual of Nebraska	$428	$72
Auto-Owners Insurance Co	$491	$82
American Family	$655	$110
State Farm	$796	$134
Allstate	$925	$156
USAA	$931	$157
Auto-Owners	$948	$162
Farmers	$988	$166
Progressive	$998	$168
Nationwide	$1038	$175
North Star Mutual	$1067	$181

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Average Car Insurance in Hosmer 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 Hosmer, SD increasing?

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

Car Insurance Premiums by Age in Hosmer

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 Hosmer,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hosmer at $31 per month. At $175 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	$186	$31
Auto-Owners Insurance Co	$198	$33
Farmers Mutual of Nebraska	$587	$99
State Farm	$1129	$190
USAA	$1196	$201
American Family	$1541	$259
Farmers	$1699	$286
Progressive	$1772	$298
North Star Mutual	$2257	$384
Auto-Owners	$2353	$392
Nationwide	$3087	$520
Allstate	$4847	$808
North Star Mutual Insurance	$175	$29

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 Hosmer, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $96 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 Hosmer is State Farm, offering rates of around $3132 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$96	$16
Western National	$169	$29
Iowa Farm Bureau	$226	$38
Kemper	$259	$44
American Family	$903	$152
Progressive	$960	$162
USAA	$1434	$238
North Star Mutual	$1766	$300
Farmers	$1772	$295
Nationwide	$1862	$316
State Farm	$3132	$522

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Car Insurance Rates with An Accident in Hosmer

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

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

The cheapest car insurance companies after an at-fault accident in Hosmer include Western National and Kemper, offering $181 and $203, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $294.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$181	$30
Kemper	$203	$34
Auto-Owners Insurance Co	$209	$35
Farmers Mutual of Nebraska	$424	$71
State Farm	$434	$73
USAA	$649	$109
Progressive	$683	$115
Auto-Owners	$700	$118
Farmers	$852	$143
American Family	$925	$156
Allstate	$1355	$226
Nationwide	$1777	$299
North Star Mutual	$1834	$306
North Star Mutual Insurance	$294	$50

Hosmer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hosmer SD. For example, the car insurance in Hosmer after a DUI increases to $824 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Hosmer auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$942	$157
One Med/PIP claim	$942	$161
Not-at-fault accident	$965	$161
Two Med/PIP claims	$998	$170
One comp claim	$1004	$167
Failure to show documents	$1038	$177
Two comp claims	$1038	$173
Failure to wear a seat belt	$1067	$181
Child safety restraint	$1083	$181
Driving without lights	$1083	$184
Driving with expired registration	$1089	$181
Wrong way/wrong lane	$1089	$185
Cell phone violation	$1094	$182
Driving too slowly	$1094	$186
Texting while driving	$1094	$182
Failure to stop at a red light	$1100	$187
Failure to yield	$1100	$183
Following too closely	$1100	$187
Illegal turn	$1100	$183
Speeding 6 - 10 MPH over limit	$1100	$187
Improper passing	$1112	$185
Speeding 11 - 15 MPH over limit	$1117	$190
Speeding 16 - 20 MPH over limit	$1123	$187
Operating a vehicle without permission	$1151	$196
At-fault accident - less than $1000	$1163	$194
In 65 MPH zone	$1163	$198
Speeding in school zone	$1169	$195
Speeding 21 - 25 MPH over limit	$1196	$203
Passing school bus	$1247	$208
Open container	$1292	$219
At-fault accident - $1000-$2000	$1309	$219
At-fault accident - greater than $2000	$1309	$222
Driving with a suspended license	$1580	$263
Reckless driving	$1597	$272
Refusal to submit to a chemical test	$1687	$281
Racing	$1743	$296
DUI	$1766	$295
Leaving scene of an accident/hit and run	$1806	$307

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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 Hosmer 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 Hosmer.

The cheapest car insurance premiums in Hosmer are offered by Western National at $169 for a six-month policy. However, it can be as expensive as $3064 with companies like North Star Mutual.

Hosmer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$169	$29
Farmers Mutual of Nebraska	$604	$102
State Farm	$626	$105
Progressive	$643	$108
Farmers	$931	$157
American Family	$1016	$171
USAA	$1253	$211
Allstate	$1507	$251
Auto-Owners	$1530	$260
Nationwide	$2336	$393
North Star Mutual	$3064	$521

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 Hosmer are offered by Farmers Mutual of Nebraska at $102. However, it can be as expensive as $1670 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hosmer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$102	$17
Kemper	$158	$27
Western National	$169	$29
Auto-Owners Insurance Co	$175	$29
State Farm	$294	$49
USAA	$440	$75
Progressive	$485	$82
North Star Mutual	$536	$91
American Family	$620	$105
Nationwide	$1422	$242
Farmers	$1670	$278

Car Insurance Price Trends in Hosmer, South Dakota

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

The average cost of full coverage in the Hosmer remained steady at $157 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hosmer remained steady at $29 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 Hosmer?

The car insurance in Hosmer is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Hosmer?

The cheapest car insurance in Hosmer is $62 per month for full coverage.

How much is car insurance in Hosmer for teenagers?

Car insurance for teenagers costs $186 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 Hosmer?

The average cost of car insurance is $845 for a six-month policy. It will cost around $135 per month to insure your car in Hosmer.

Is car insurance expensive in Hosmer?

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

What is the best car insurance in Hosmer, SD?

The best car insurance company in Hosmer SD is Kemper, offering $372 for a six-month policy.