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Finding the cheapest car insurance quotes in Renner shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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
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steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Renner
The car insurance rate in Renner is $744 for a six-month policy, which is $101 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $345, making it a popular choice for budget-conscious drivers. Rates in Renner 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.
At $345 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 $397 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 $455
for six months, making it
the third cheapest auto insurance company in Renner.
Renner Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Renner, SD is Kemper, offering policies at just $345 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $397.
At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $988 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Renner drivers find the best deals.
The auto insurance costs in Renner fall around $345 for six
months.
The cheapest auto insurance company in Renner is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Renner at $27 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Renner
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 Renner are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Renner. Their Average 6 Month Premium is $94.
North Star Mutual Insurance is the most
expensive at $151 for the same
period.
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 Renner is Kemper
at $57 per month and $345
for six months.
Cheapest Full Coverage Car Insurance Quotes in Renner,
SD
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 Renner, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Renner, 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, Renner's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Renner
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Renner,SD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Renner at $29
per
month. At $162 for a six-month premium,
North Star Mutual Insurance offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Renner.
As young drivers face the highest rates in Renner, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Renner,
Farmers Mutual of Nebraska is
the cheapest car insurance provider. At $89 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
Renner is State Farm, offering
rates of around $2901 for six
months.
Save up to $971/yr on car insurance rates in Renner.
Car Insurance Rates with An Accident in Renner
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 Renner, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Renner
The cheapest car insurance companies after an at-fault accident in
Renner include Western National
and Kemper, offering $167
and $188,
respectively. North Star Mutual Insurance is an expensive provider
with an average six-month premium of
$272.
Here is a list of driving violations that can increase your car
insurance rates in Renner SD. For example, the car
insurance in Renner
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.
Renner 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 Renner 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 Renner.
The cheapest car insurance premiums in
Renner are
offered by Western National at $157 for a six-month policy.
However, it can be as
expensive as $2838 with companies
like North Star Mutual.
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 Renner are offered by Farmers Mutual of Nebraska
at $94. However,
it can be as expensive as $1547
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Renner after Speeding ticket
Car Insurance Price Trends in Renner,
South Dakota
Car insurance rates in Renner have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Renner remained steady at $145 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Renner remained steady at $26 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Renner. At $1487 for a
six-month policy, insuring
your car at 57055 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Renner?
The car insurance in Renner is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Renner?
The cheapest car insurance in Renner
is $57 per month
for full coverage.
How much is car insurance in Renner for teenagers?
Car insurance for teenagers costs $172 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
Renner?
The average cost of car insurance is $845 for a six-month
policy. It will cost around $125 per month to insure your
car in Renner.
Is car insurance expensive in Renner?
Car insurance can be expensive in Renner if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Renner can be
affordable.
What is the best car insurance in Renner,
SD?
The best car insurance company in Renner
SD is
Kemper, offering $345 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Renner, SD
Car Insurance Rates by State in the USA (2025 Update)
Renner Car Insurance
