Cheapest Car Insurance Quotes in Lemmon

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406,175 Policies Sold

Lemmon Car Insurance

^$ 21

/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 Lemmon

The car insurance rate in Lemmon is $1173 for a six-month policy, which is $219 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $373, making it a popular choice for budget-conscious drivers. Rates in Lemmon 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 Lemmon

$1173

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Lemmon

1st place: American Family

At $373 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 $482 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 $599 for six months, making it the third cheapest auto insurance company in Lemmon.

Lemmon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lemmon, SD is American Family, offering policies at just $373 for a six-month term. This is followed by Kemper, which has an average six-month premium of $482.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2214 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lemmon drivers find the best deals.

Cheap Car Insurance Companies in Lemmon, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$373	$62
Kemper	$482	$82
Farmers Mutual of Nebraska	$599	$101
Auto-Owners Insurance Co	$636	$108
State Farm	$1103	$186
Allstate	$1198	$202
Progressive	$1205	$203
USAA	$1235	$208
Nationwide	$1410	$237
Auto-Owners	$1424	$240
Farmers	$1454	$245
North Star Mutual	$1936	$330
Farm Bureau	$2214	$369

Key Takeaways

Way's key takeaways about car insurance in Lemmon

The auto insurance costs in Lemmon fall around $373 for six months.
The cheapest auto insurance company in Lemmon is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Lemmon at $704 per month.

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Cheapest Minimum Liability Car Insurance in Lemmon

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 Lemmon are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Lemmon. Their Average 6 Month Premium is $124. Farmers is the most expensive at $460 for the same period.

Cheapest Liability Coverage in Lemmon, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$124	$21
American Family	$146	$25
Kemper	$169	$28
USAA	$176	$30
Progressive	$183	$31
Auto-Owners Insurance Co	$197	$33
State Farm	$204	$34
North Star Mutual	$219	$37
Auto-Owners	$226	$38
North Star Mutual Insurance	$263	$44
Farm Bureau	$306	$52
Nationwide	$395	$66
Allstate	$431	$74
Farmers	$460	$79

Cheapest Full Coverage Car Insurance in Lemmon

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 Lemmon is American Family at $62 per month and $373 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lemmon, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$373	$62
Kemper	$482	$82
Farmers Mutual of Nebraska	$599	$101
Auto-Owners Insurance Co	$636	$108
State Farm	$1103	$186
Allstate	$1198	$202
Progressive	$1205	$203
USAA	$1235	$208
Nationwide	$1410	$237
Auto-Owners	$1424	$240
Farmers	$1454	$245
North Star Mutual	$1936	$330
Farm Bureau	$2214	$369

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Average Car Insurance in Lemmon 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 Lemmon, SD increasing?

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

Car Insurance Premiums by Age in Lemmon

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 Lemmon,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Lemmon at $32 per month. At $4223 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$189	$32
North Star Mutual Insurance	$234	$39
Kemper	$241	$41
Auto-Owners Insurance Co	$256	$43
Farmers Mutual of Nebraska	$942	$159
USAA	$1651	$278
State Farm	$1673	$282
Progressive	$2133	$359
North Star Mutual	$2498	$417
Auto-Owners	$3529	$594
Nationwide	$4128	$695
Farm Bureau	$4208	$716
Allstate	$6275	$1046
Farmers	$4223	$704

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 Lemmon, American Family is the cheapest car insurance provider. At $169 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 Lemmon is Farmers, offering rates of around $2294 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$28
Western National	$219	$37
Iowa Farm Bureau	$293	$49
Kemper	$336	$57
Farmers Mutual of Nebraska	$592	$100
Progressive	$907	$153
USAA	$2075	$353
Nationwide	$2652	$442
North Star Mutual	$3215	$546
Farm Bureau	$4150	$691
Auto-Owners	$5005	$851
State Farm	$6086	$1015
Farmers	$2294	$390

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Car Insurance Rates with An Accident in Lemmon

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

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

The cheapest car insurance companies after an at-fault accident in Lemmon include American Family and Western National, offering $204 and $234, respectively. Farmers is an expensive provider with an average six-month premium of $1966.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$204	$34
Western National	$234	$39
Kemper	$263	$44
Auto-Owners Insurance Co	$271	$46
North Star Mutual Insurance	$402	$66
State Farm	$629	$106
Farmers Mutual of Nebraska	$679	$114
Progressive	$840	$141
USAA	$884	$149
Auto-Owners	$1352	$228
Allstate	$1754	$293
Nationwide	$2426	$408
North Star Mutual	$3347	$557
Farm Bureau	$3397	$578
Farmers	$1966	$335

Lemmon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lemmon SD. For example, the car insurance in Lemmon after a DUI increases to $1067 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Lemmon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1220	$203
One Med/PIP claim	$1220	$208
Not-at-fault accident	$1250	$208
Two Med/PIP claims	$1293	$220
One comp claim	$1300	$216
Failure to show documents	$1344	$229
Two comp claims	$1344	$224
Failure to wear a seat belt	$1381	$235
Child safety restraint	$1402	$234
Driving without lights	$1402	$239
Driving with expired registration	$1410	$235
Wrong way/wrong lane	$1410	$240
Cell phone violation	$1417	$236
Driving too slowly	$1417	$241
Texting while driving	$1417	$236
Failure to stop at a red light	$1424	$242
Failure to yield	$1424	$237
Following too closely	$1424	$242
Illegal turn	$1424	$237
Speeding 6 - 10 MPH over limit	$1424	$242
Improper passing	$1439	$240
Speeding 11 - 15 MPH over limit	$1446	$246
Speeding 16 - 20 MPH over limit	$1454	$242
Operating a vehicle without permission	$1491	$253
At-fault accident - less than $1000	$1506	$251
In 65 MPH zone	$1506	$256
Speeding in school zone	$1513	$252
Speeding 21 - 25 MPH over limit	$1549	$263
Passing school bus	$1615	$269
Open container	$1673	$284
At-fault accident - $1000-$2000	$1695	$283
At-fault accident - greater than $2000	$1695	$288
Driving with a suspended license	$2045	$341
Reckless driving	$2068	$352
Refusal to submit to a chemical test	$2184	$364
Racing	$2257	$384
DUI	$2287	$381
Leaving scene of an accident/hit and run	$2338	$397

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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 Lemmon 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 Lemmon.

The cheapest car insurance premiums in Lemmon are offered by American Family at $197 for a six-month policy. However, it can be as expensive as $2068 with companies like Farmers.

Lemmon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$197	$33
Western National	$219	$37
Progressive	$775	$130
Farmers Mutual of Nebraska	$972	$164
State Farm	$972	$164
USAA	$1710	$288
Auto-Owners	$1834	$309
Allstate	$1951	$332
Nationwide	$3200	$539
Farm Bureau	$4684	$796
North Star Mutual	$5589	$931
Farmers	$2068	$344

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 Lemmon are offered by American Family at $197. However, it can be as expensive as $2162 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lemmon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$197	$33
Kemper	$204	$34
Western National	$219	$37
Auto-Owners Insurance Co	$226	$38
Farmers Mutual of Nebraska	$336	$57
Progressive	$453	$76
State Farm	$453	$76
North Star Mutual	$577	$98
USAA	$716	$119
Auto-Owners	$1307	$223
Farm Bureau	$1432	$239
Nationwide	$1739	$295
Farmers	$2162	$360

Car Insurance Price Trends in Lemmon, South Dakota

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

The average cost of full coverage in the Lemmon rose by $208 in January compared to $204 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Lemmon remained steady at $37 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 Lemmon?

The car insurance in Lemmon is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Lemmon?

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

How much is car insurance in Lemmon for teenagers?

Car insurance for teenagers costs $189 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 Lemmon?

The average cost of car insurance is $954 for a six-month policy. It will cost around $197 per month to insure your car in Lemmon.

Is car insurance expensive in Lemmon?

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

What is the best car insurance in Lemmon, SD?

The best car insurance company in Lemmon SD is American Family, offering $373 for a six-month policy.