Cheapest Car Insurance Quotes in Ramona

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Ramona Car Insurance

^$ 15

/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 Ramona

The car insurance rate in Ramona is $840 for a six-month policy, which is $114 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $267, making it a popular choice for budget-conscious drivers. Rates in Ramona 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 Ramona

$840

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Ramona

1st place: American Family

At $267 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 $345 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 $429 for six months, making it the third cheapest auto insurance company in Ramona.

Ramona Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ramona, SD is American Family, offering policies at just $267 for a six-month term. This is followed by Kemper, which has an average six-month premium of $345.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1584 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ramona drivers find the best deals.

Cheap Car Insurance Companies in Ramona, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$267	$44
Kemper	$345	$59
Farmers Mutual of Nebraska	$429	$72
Auto-Owners Insurance Co	$455	$77
State Farm	$789	$133
Allstate	$857	$144
Progressive	$862	$145
USAA	$884	$149
Nationwide	$1008	$170
Auto-Owners	$1019	$172
Farmers	$1040	$175
North Star Mutual	$1385	$236
Farm Bureau	$1584	$264

Key Takeaways

Way's key takeaways about car insurance in Ramona

The auto insurance costs in Ramona fall around $267 for six months.
The cheapest auto insurance company in Ramona is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Ramona at $503 per month.

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Cheapest Minimum Liability Car Insurance in Ramona

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 Ramona are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Ramona. Their Average 6 Month Premium is $89. Farmers is the most expensive at $329 for the same period.

Cheapest Liability Coverage in Ramona, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$89	$15
American Family	$105	$18
Kemper	$121	$20
USAA	$126	$21
Progressive	$131	$22
Auto-Owners Insurance Co	$141	$24
State Farm	$146	$25
North Star Mutual	$157	$26
Auto-Owners	$162	$27
North Star Mutual Insurance	$188	$32
Farm Bureau	$219	$37
Nationwide	$282	$48
Allstate	$308	$53
Farmers	$329	$56

Cheapest Full Coverage Car Insurance in Ramona

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 Ramona is American Family at $44 per month and $267 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ramona, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$267	$44
Kemper	$345	$59
Farmers Mutual of Nebraska	$429	$72
Auto-Owners Insurance Co	$455	$77
State Farm	$789	$133
Allstate	$857	$144
Progressive	$862	$145
USAA	$884	$149
Nationwide	$1008	$170
Auto-Owners	$1019	$172
Farmers	$1040	$175
North Star Mutual	$1385	$236
Farm Bureau	$1584	$264

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Average Car Insurance in Ramona 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 Ramona, SD increasing?

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

Car Insurance Premiums by Age in Ramona

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 Ramona,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Ramona at $23 per month. At $3021 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$136	$23
North Star Mutual Insurance	$167	$28
Kemper	$172	$29
Auto-Owners Insurance Co	$183	$31
Farmers Mutual of Nebraska	$674	$114
USAA	$1181	$199
State Farm	$1197	$202
Progressive	$1526	$257
North Star Mutual	$1787	$298
Auto-Owners	$2525	$425
Nationwide	$2953	$497
Farm Bureau	$3010	$512
Allstate	$4490	$748
Farmers	$3021	$503

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 Ramona, American Family is the cheapest car insurance provider. At $121 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 Ramona is Farmers, offering rates of around $1641 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$121	$20
Western National	$157	$26
Iowa Farm Bureau	$209	$35
Kemper	$240	$40
Farmers Mutual of Nebraska	$423	$71
Progressive	$649	$109
USAA	$1485	$253
Nationwide	$1897	$316
North Star Mutual	$2300	$391
Farm Bureau	$2969	$495
Auto-Owners	$3581	$609
State Farm	$4354	$726
Farmers	$1641	$279

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Car Insurance Rates with An Accident in Ramona

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

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

The cheapest car insurance companies after an at-fault accident in Ramona include American Family and Western National, offering $146 and $167, respectively. Farmers is an expensive provider with an average six-month premium of $1406.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$146	$25
Western National	$167	$28
Kemper	$188	$32
Auto-Owners Insurance Co	$194	$33
North Star Mutual Insurance	$288	$48
State Farm	$450	$76
Farmers Mutual of Nebraska	$486	$82
Progressive	$601	$101
USAA	$633	$106
Auto-Owners	$967	$163
Allstate	$1255	$209
Nationwide	$1735	$292
North Star Mutual	$2394	$399
Farm Bureau	$2431	$414
Farmers	$1406	$239

Ramona Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ramona SD. For example, the car insurance in Ramona after a DUI increases to $763 for a six month policy. While the rate increases by $146 for a six-month policy in the case of a speeding ticket.

Ramona auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$873	$145
One Med/PIP claim	$873	$149
Not-at-fault accident	$894	$149
Two Med/PIP claims	$925	$158
One comp claim	$930	$155
Failure to show documents	$962	$164
Two comp claims	$962	$160
Failure to wear a seat belt	$988	$168
Child safety restraint	$1003	$167
Driving without lights	$1003	$171
Driving with expired registration	$1008	$168
Wrong way/wrong lane	$1008	$172
Cell phone violation	$1014	$169
Driving too slowly	$1014	$172
Texting while driving	$1014	$169
Failure to stop at a red light	$1019	$173
Failure to yield	$1019	$170
Following too closely	$1019	$173
Illegal turn	$1019	$170
Speeding 6 - 10 MPH over limit	$1019	$173
Improper passing	$1030	$172
Speeding 11 - 15 MPH over limit	$1035	$176
Speeding 16 - 20 MPH over limit	$1040	$173
Operating a vehicle without permission	$1067	$181
At-fault accident - less than $1000	$1077	$180
In 65 MPH zone	$1077	$183
Speeding in school zone	$1082	$180
Speeding 21 - 25 MPH over limit	$1108	$188
Passing school bus	$1155	$193
Open container	$1197	$203
At-fault accident - $1000-$2000	$1213	$202
At-fault accident - greater than $2000	$1213	$206
Driving with a suspended license	$1463	$244
Reckless driving	$1479	$252
Refusal to submit to a chemical test	$1563	$260
Racing	$1615	$275
DUI	$1636	$273
Leaving scene of an accident/hit and run	$1673	$284

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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 Ramona 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 Ramona.

The cheapest car insurance premiums in Ramona are offered by American Family at $141 for a six-month policy. However, it can be as expensive as $1479 with companies like Farmers.

Ramona car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
Western National	$157	$26
Progressive	$554	$93
Farmers Mutual of Nebraska	$695	$117
State Farm	$695	$117
USAA	$1223	$206
Auto-Owners	$1312	$221
Allstate	$1396	$238
Nationwide	$2290	$385
Farm Bureau	$3351	$569
North Star Mutual	$3999	$666
Farmers	$1479	$246

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 Ramona are offered by American Family at $141. However, it can be as expensive as $1547 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ramona after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$141	$24
Kemper	$146	$25
Western National	$157	$26
Auto-Owners Insurance Co	$162	$27
Farmers Mutual of Nebraska	$240	$40
Progressive	$324	$55
State Farm	$324	$55
North Star Mutual	$413	$70
USAA	$512	$85
Auto-Owners	$935	$159
Farm Bureau	$1024	$171
Nationwide	$1244	$211
Farmers	$1547	$258

Car Insurance Price Trends in Ramona, South Dakota

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

The average cost of full coverage in the Ramona rose by $149 in January compared to $146 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 Ramona remained steady at $26 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 Ramona?

The car insurance in Ramona is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Ramona?

The cheapest car insurance in Ramona is $44 per month for full coverage.

How much is car insurance in Ramona for teenagers?

Car insurance for teenagers costs $136 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 Ramona?

The average cost of car insurance is $954 for a six-month policy. It will cost around $141 per month to insure your car in Ramona.

Is car insurance expensive in Ramona?

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

What is the best car insurance in Ramona, SD?

The best car insurance company in Ramona SD is American Family, offering $267 for a six-month policy.