Cheapest Car Insurance Quotes in Ramona

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Ramona 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 Ramona

The car insurance rate in Ramona is $761 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, 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

$761

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Ramona

1st place: Kemper

At $353 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 $406 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 $465 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 Kemper, offering policies at just $353 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $406.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1011 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
Kemper	$353	$59
Farmers Mutual of Nebraska	$406	$68
Auto-Owners Insurance Co	$465	$77
American Family	$620	$104
State Farm	$754	$127
Allstate	$877	$148
USAA	$882	$149
Auto-Owners	$898	$153
Farmers	$936	$158
Progressive	$946	$159
Nationwide	$984	$166
North Star Mutual	$1011	$172

Key Takeaways

Way's key takeaways about car insurance in Ramona

The auto insurance costs in Ramona fall around $353 for six months.
The cheapest auto insurance company in Ramona is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Ramona at $28 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 $96. North Star Mutual Insurance is the most expensive at $155 for the same period.

Cheapest Liability Coverage in Ramona, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$96	$16
Kemper	$123	$21
USAA	$123	$21
American Family	$129	$22
Auto-Owners	$139	$23
North Star Mutual	$139	$23
Auto-Owners Insurance Co	$144	$24
Progressive	$144	$24
State Farm	$144	$24
Farmers	$240	$41
Nationwide	$294	$50
Allstate	$315	$54
North Star Mutual Insurance	$155	$26

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 Kemper at $59 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ramona, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$59
Farmers Mutual of Nebraska	$406	$68
Auto-Owners Insurance Co	$465	$77
American Family	$620	$104
State Farm	$754	$127
Allstate	$877	$148
USAA	$882	$149
Auto-Owners	$898	$153
Farmers	$936	$158
Progressive	$946	$159
Nationwide	$984	$166
North Star Mutual	$1011	$172

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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, Kemper provides the cheapest car insurance in the Ramona at $30 per month. At $166 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	$176	$30
Auto-Owners Insurance Co	$187	$32
Farmers Mutual of Nebraska	$556	$94
State Farm	$1069	$180
USAA	$1133	$191
American Family	$1460	$246
Farmers	$1609	$271
Progressive	$1679	$283
North Star Mutual	$2138	$364
Auto-Owners	$2229	$372
Nationwide	$2924	$492
Allstate	$4592	$765
North Star Mutual Insurance	$166	$28

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $91 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 State Farm, offering rates of around $2967 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$91	$15
Western National	$160	$27
Iowa Farm Bureau	$214	$36
Kemper	$246	$41
American Family	$855	$144
Progressive	$909	$153
USAA	$1358	$226
North Star Mutual	$1673	$284
Farmers	$1679	$280
Nationwide	$1764	$300
State Farm	$2967	$494

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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 Western National and Kemper, offering $171 and $193, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $278.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
Kemper	$193	$32
Auto-Owners Insurance Co	$198	$33
Farmers Mutual of Nebraska	$401	$68
State Farm	$411	$69
USAA	$615	$104
Progressive	$647	$109
Auto-Owners	$663	$112
Farmers	$807	$136
American Family	$877	$148
Allstate	$1283	$214
Nationwide	$1684	$284
North Star Mutual	$1738	$290
North Star Mutual Insurance	$278	$48

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 $780 for a six month policy. While the rate increases by $149 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	$893	$149
One Med/PIP claim	$893	$152
Not-at-fault accident	$914	$152
Two Med/PIP claims	$946	$161
One comp claim	$951	$158
Failure to show documents	$984	$167
Two comp claims	$984	$164
Failure to wear a seat belt	$1011	$172
Child safety restraint	$1026	$171
Driving without lights	$1026	$175
Driving with expired registration	$1031	$172
Wrong way/wrong lane	$1031	$176
Cell phone violation	$1037	$173
Driving too slowly	$1037	$176
Texting while driving	$1037	$173
Failure to stop at a red light	$1042	$177
Failure to yield	$1042	$174
Following too closely	$1042	$177
Illegal turn	$1042	$174
Speeding 6 - 10 MPH over limit	$1042	$177
Improper passing	$1053	$176
Speeding 11 - 15 MPH over limit	$1058	$180
Speeding 16 - 20 MPH over limit	$1064	$177
Operating a vehicle without permission	$1091	$185
At-fault accident - less than $1000	$1102	$184
In 65 MPH zone	$1102	$187
Speeding in school zone	$1107	$185
Speeding 21 - 25 MPH over limit	$1133	$193
Passing school bus	$1182	$197
Open container	$1224	$208
At-fault accident - $1000-$2000	$1240	$207
At-fault accident - greater than $2000	$1240	$211
Driving with a suspended license	$1497	$249
Reckless driving	$1513	$257
Refusal to submit to a chemical test	$1598	$266
Racing	$1652	$281
DUI	$1673	$279
Leaving scene of an accident/hit and run	$1711	$291

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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 Western National at $160 for a six-month policy. However, it can be as expensive as $2903 with companies like North Star Mutual.

Ramona car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$160	$27
Farmers Mutual of Nebraska	$572	$96
State Farm	$593	$100
Progressive	$609	$103
Farmers	$882	$149
American Family	$962	$162
USAA	$1187	$200
Allstate	$1427	$238
Auto-Owners	$1449	$247
Nationwide	$2213	$373
North Star Mutual	$2903	$493

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 Farmers Mutual of Nebraska at $96. However, it can be as expensive as $1582 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
Farmers Mutual of Nebraska	$96	$16
Kemper	$149	$25
Western National	$160	$27
Auto-Owners Insurance Co	$166	$28
State Farm	$278	$47
USAA	$417	$71
Progressive	$460	$77
North Star Mutual	$508	$86
American Family	$588	$99
Nationwide	$1347	$230
Farmers	$1582	$264

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 remained steady at $149 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ramona remained steady at $27 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 Ramona?

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

What is the cheapest car insurance in Ramona?

The cheapest car insurance in Ramona is $59 per month for full coverage.

How much is car insurance in Ramona for teenagers?

Car insurance for teenagers costs $176 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 $845 for a six-month policy. It will cost around $128 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 Kemper, offering $353 for a six-month policy.