Cheapest Car Insurance Quotes in Hosmer

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Hosmer 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 Hosmer

The car insurance rate in Hosmer is $887 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $282, 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

$887

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Hosmer

1st place: American Family

At $282 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 $365 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 $453 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 American Family, offering policies at just $282 for a six-month term. This is followed by Kemper, which has an average six-month premium of $365.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1674 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
American Family	$282	$47
Kemper	$365	$62
Farmers Mutual of Nebraska	$453	$76
Auto-Owners Insurance Co	$481	$82
State Farm	$834	$140
Allstate	$906	$153
Progressive	$911	$153
USAA	$934	$157
Nationwide	$1066	$179
Auto-Owners	$1077	$181
Farmers	$1099	$185
North Star Mutual	$1464	$249
Farm Bureau	$1674	$279

Key Takeaways

Way's key takeaways about car insurance in Hosmer

The auto insurance costs in Hosmer fall around $282 for six months.
The cheapest auto insurance company in Hosmer is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Hosmer at $532 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 $94. Farmers is the most expensive at $348 for the same period.

Cheapest Liability Coverage in Hosmer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$94	$16
American Family	$111	$19
Kemper	$127	$21
USAA	$133	$22
Progressive	$139	$23
Auto-Owners Insurance Co	$149	$25
State Farm	$154	$26
North Star Mutual	$166	$28
Auto-Owners	$171	$29
North Star Mutual Insurance	$199	$33
Farm Bureau	$232	$39
Nationwide	$299	$50
Allstate	$326	$56
Farmers	$348	$60

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 American Family at $47 per month and $282 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hosmer, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$282	$47
Kemper	$365	$62
Farmers Mutual of Nebraska	$453	$76
Auto-Owners Insurance Co	$481	$82
State Farm	$834	$140
Allstate	$906	$153
Progressive	$911	$153
USAA	$934	$157
Nationwide	$1066	$179
Auto-Owners	$1077	$181
Farmers	$1099	$185
North Star Mutual	$1464	$249
Farm Bureau	$1674	$279

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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, American Family provides the cheapest car insurance in the Hosmer at $24 per month. At $3193 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
North Star Mutual Insurance	$177	$30
Kemper	$182	$31
Auto-Owners Insurance Co	$193	$33
Farmers Mutual of Nebraska	$712	$120
USAA	$1248	$210
State Farm	$1265	$213
Progressive	$1613	$272
North Star Mutual	$1889	$315
Auto-Owners	$2668	$449
Nationwide	$3121	$525
Farm Bureau	$3182	$541
Allstate	$4745	$791
Farmers	$3193	$532

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, American Family is the cheapest car insurance provider. At $127 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 Farmers, offering rates of around $1734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$127	$21
Western National	$166	$28
Iowa Farm Bureau	$221	$37
Kemper	$254	$43
Farmers Mutual of Nebraska	$447	$75
Progressive	$685	$115
USAA	$1569	$267
Nationwide	$2005	$334
North Star Mutual	$2431	$413
Farm Bureau	$3138	$523
Auto-Owners	$3784	$644
State Farm	$4602	$767
Farmers	$1734	$295

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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 American Family and Western National, offering $154 and $177, respectively. Farmers is an expensive provider with an average six-month premium of $1486.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$154	$26
Western National	$177	$30
Kemper	$199	$33
Auto-Owners Insurance Co	$205	$34
North Star Mutual Insurance	$304	$50
State Farm	$475	$80
Farmers Mutual of Nebraska	$513	$86
Progressive	$635	$107
USAA	$669	$113
Auto-Owners	$1022	$172
Allstate	$1326	$221
Nationwide	$1834	$309
North Star Mutual	$2531	$421
Farm Bureau	$2569	$437
Farmers	$1486	$253

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 $806 for a six month policy. While the rate increases by $154 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	$923	$153
One Med/PIP claim	$923	$157
Not-at-fault accident	$945	$157
Two Med/PIP claims	$977	$166
One comp claim	$983	$164
Failure to show documents	$1016	$173
Two comp claims	$1016	$169
Failure to wear a seat belt	$1044	$178
Child safety restraint	$1060	$177
Driving without lights	$1060	$180
Driving with expired registration	$1066	$178
Wrong way/wrong lane	$1066	$181
Cell phone violation	$1071	$179
Driving too slowly	$1071	$182
Texting while driving	$1071	$179
Failure to stop at a red light	$1077	$183
Failure to yield	$1077	$179
Following too closely	$1077	$183
Illegal turn	$1077	$179
Speeding 6 - 10 MPH over limit	$1077	$183
Improper passing	$1088	$181
Speeding 11 - 15 MPH over limit	$1094	$186
Speeding 16 - 20 MPH over limit	$1099	$183
Operating a vehicle without permission	$1127	$192
At-fault accident - less than $1000	$1138	$190
In 65 MPH zone	$1138	$193
Speeding in school zone	$1144	$191
Speeding 21 - 25 MPH over limit	$1171	$199
Passing school bus	$1221	$204
Open container	$1265	$215
At-fault accident - $1000-$2000	$1282	$214
At-fault accident - greater than $2000	$1282	$218
Driving with a suspended license	$1547	$258
Reckless driving	$1563	$266
Refusal to submit to a chemical test	$1652	$275
Racing	$1707	$290
DUI	$1729	$288
Leaving scene of an accident/hit and run	$1768	$300

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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 American Family at $149 for a six-month policy. However, it can be as expensive as $1563 with companies like Farmers.

Hosmer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Western National	$166	$28
Progressive	$586	$99
Farmers Mutual of Nebraska	$735	$124
State Farm	$735	$124
USAA	$1293	$218
Auto-Owners	$1387	$233
Allstate	$1475	$251
Nationwide	$2420	$407
Farm Bureau	$3541	$602
North Star Mutual	$4226	$704
Farmers	$1563	$260

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 American Family at $149. However, it can be as expensive as $1635 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
American Family	$149	$25
Kemper	$154	$26
Western National	$166	$28
Auto-Owners Insurance Co	$171	$29
Farmers Mutual of Nebraska	$254	$43
Progressive	$342	$58
State Farm	$342	$58
North Star Mutual	$436	$74
USAA	$541	$90
Auto-Owners	$989	$168
Farm Bureau	$1083	$180
Nationwide	$1315	$223
Farmers	$1635	$272

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 rose by $157 in January compared to $154 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 Hosmer remained steady at $28 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 Hosmer?

The car insurance in Hosmer is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Hosmer?

The cheapest car insurance in Hosmer is $47 per month for full coverage.

How much is car insurance in Hosmer for teenagers?

Car insurance for teenagers costs $143 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 $954 for a six-month policy. It will cost around $149 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 American Family, offering $282 for a six-month policy.