Cheapest Car Insurance Quotes in Roscoe

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Roscoe 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 Roscoe

The car insurance rate in Roscoe is $925 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $294, making it a popular choice for budget-conscious drivers. Rates in Roscoe 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 Roscoe

$925

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Roscoe

1st place: American Family

At $294 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 $380 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 $472 for six months, making it the third cheapest auto insurance company in Roscoe.

Roscoe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roscoe, SD is American Family, offering policies at just $294 for a six-month term. This is followed by Kemper, which has an average six-month premium of $380.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1746 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roscoe drivers find the best deals.

Cheap Car Insurance Companies in Roscoe, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$294	$49
Kemper	$380	$65
Farmers Mutual of Nebraska	$472	$80
Auto-Owners Insurance Co	$501	$85
State Farm	$870	$146
Allstate	$945	$159
Progressive	$951	$160
USAA	$974	$164
Nationwide	$1112	$187
Auto-Owners	$1123	$189
Farmers	$1147	$193
North Star Mutual	$1527	$260
Farm Bureau	$1746	$291

Key Takeaways

Way's key takeaways about car insurance in Roscoe

The auto insurance costs in Roscoe fall around $294 for six months.
The cheapest auto insurance company in Roscoe is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Roscoe at $555 per month.

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Cheapest Minimum Liability Car Insurance in Roscoe

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 Roscoe are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Roscoe. Their Average 6 Month Premium is $98. Farmers is the most expensive at $363 for the same period.

Cheapest Liability Coverage in Roscoe, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$98	$16
American Family	$115	$19
Kemper	$133	$22
USAA	$139	$23
Progressive	$145	$24
Auto-Owners Insurance Co	$155	$26
State Farm	$161	$27
North Star Mutual	$173	$29
Auto-Owners	$178	$30
North Star Mutual Insurance	$208	$35
Farm Bureau	$242	$41
Nationwide	$311	$52
Allstate	$340	$58
Farmers	$363	$62

Cheapest Full Coverage Car Insurance in Roscoe

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 Roscoe is American Family at $49 per month and $294 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roscoe, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$294	$49
Kemper	$380	$65
Farmers Mutual of Nebraska	$472	$80
Auto-Owners Insurance Co	$501	$85
State Farm	$870	$146
Allstate	$945	$159
Progressive	$951	$160
USAA	$974	$164
Nationwide	$1112	$187
Auto-Owners	$1123	$189
Farmers	$1147	$193
North Star Mutual	$1527	$260
Farm Bureau	$1746	$291

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Average Car Insurance in Roscoe 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 Roscoe, SD increasing?

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

Car Insurance Premiums by Age in Roscoe

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 Roscoe,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Roscoe at $25 per month. At $3330 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
North Star Mutual Insurance	$184	$31
Kemper	$190	$32
Auto-Owners Insurance Co	$202	$34
Farmers Mutual of Nebraska	$743	$125
USAA	$1302	$219
State Farm	$1319	$222
Progressive	$1682	$283
North Star Mutual	$1970	$329
Auto-Owners	$2783	$469
Nationwide	$3255	$548
Farm Bureau	$3318	$565
Allstate	$4949	$825
Farmers	$3330	$555

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 Roscoe, American Family is the cheapest car insurance provider. At $133 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 Roscoe is Farmers, offering rates of around $1809 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$133	$22
Western National	$173	$29
Iowa Farm Bureau	$231	$39
Kemper	$265	$45
Farmers Mutual of Nebraska	$467	$79
Progressive	$715	$120
USAA	$1636	$278
Nationwide	$2091	$348
North Star Mutual	$2536	$431
Farm Bureau	$3273	$545
Auto-Owners	$3947	$671
State Farm	$4800	$800
Farmers	$1809	$307

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Car Insurance Rates with An Accident in Roscoe

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

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

The cheapest car insurance companies after an at-fault accident in Roscoe include American Family and Western National, offering $161 and $184, respectively. Farmers is an expensive provider with an average six-month premium of $1550.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$161	$27
Western National	$184	$31
Kemper	$208	$35
Auto-Owners Insurance Co	$213	$36
North Star Mutual Insurance	$317	$52
State Farm	$496	$83
Farmers Mutual of Nebraska	$535	$90
Progressive	$663	$112
USAA	$697	$117
Auto-Owners	$1066	$179
Allstate	$1383	$231
Nationwide	$1913	$322
North Star Mutual	$2639	$439
Farm Bureau	$2679	$456
Farmers	$1550	$264

Roscoe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roscoe SD. For example, the car insurance in Roscoe after a DUI increases to $841 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Roscoe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
One Med/PIP claim	$962	$164
Not-at-fault accident	$986	$164
Two Med/PIP claims	$1019	$174
One comp claim	$1025	$171
Failure to show documents	$1060	$180
Two comp claims	$1060	$177
Failure to wear a seat belt	$1089	$185
Child safety restraint	$1106	$184
Driving without lights	$1106	$188
Driving with expired registration	$1112	$185
Wrong way/wrong lane	$1112	$189
Cell phone violation	$1117	$186
Driving too slowly	$1117	$190
Texting while driving	$1117	$186
Failure to stop at a red light	$1123	$191
Failure to yield	$1123	$187
Following too closely	$1123	$191
Illegal turn	$1123	$187
Speeding 6 - 10 MPH over limit	$1123	$191
Improper passing	$1135	$189
Speeding 11 - 15 MPH over limit	$1141	$194
Speeding 16 - 20 MPH over limit	$1147	$191
Operating a vehicle without permission	$1176	$200
At-fault accident - less than $1000	$1187	$198
In 65 MPH zone	$1187	$202
Speeding in school zone	$1193	$199
Speeding 21 - 25 MPH over limit	$1221	$208
Passing school bus	$1274	$212
Open container	$1319	$224
At-fault accident - $1000-$2000	$1337	$223
At-fault accident - greater than $2000	$1337	$227
Driving with a suspended license	$1613	$269
Reckless driving	$1631	$277
Refusal to submit to a chemical test	$1723	$287
Racing	$1780	$303
DUI	$1803	$301
Leaving scene of an accident/hit and run	$1844	$313

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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 Roscoe 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 Roscoe.

The cheapest car insurance premiums in Roscoe are offered by American Family at $155 for a six-month policy. However, it can be as expensive as $1631 with companies like Farmers.

Roscoe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$155	$26
Western National	$173	$29
Progressive	$611	$103
Farmers Mutual of Nebraska	$766	$129
State Farm	$766	$129
USAA	$1348	$227
Auto-Owners	$1446	$243
Allstate	$1538	$262
Nationwide	$2524	$425
Farm Bureau	$3694	$628
North Star Mutual	$4408	$734
Farmers	$1631	$272

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 Roscoe are offered by American Family at $155. However, it can be as expensive as $1705 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Roscoe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$155	$26
Kemper	$161	$27
Western National	$173	$29
Auto-Owners Insurance Co	$178	$30
Farmers Mutual of Nebraska	$265	$45
Progressive	$357	$60
State Farm	$357	$60
North Star Mutual	$455	$78
USAA	$565	$94
Auto-Owners	$1031	$176
Farm Bureau	$1129	$188
Nationwide	$1372	$233
Farmers	$1705	$284

Car Insurance Price Trends in Roscoe, South Dakota

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

The average cost of full coverage in the Roscoe rose by $164 in January compared to $161 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 Roscoe remained steady at $29 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 Roscoe?

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

What is the cheapest car insurance in Roscoe?

The cheapest car insurance in Roscoe is $49 per month for full coverage.

How much is car insurance in Roscoe for teenagers?

Car insurance for teenagers costs $149 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 Roscoe?

The average cost of car insurance is $954 for a six-month policy. It will cost around $155 per month to insure your car in Roscoe.

Is car insurance expensive in Roscoe?

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

What is the best car insurance in Roscoe, SD?

The best car insurance company in Roscoe SD is American Family, offering $294 for a six-month policy.