Cheapest Car Insurance Quotes in Roscoe

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Roscoe Car Insurance

^$ 18

/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 $828 for a six-month policy, which is $17 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $384, 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

$828

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Roscoe

1st place: Kemper

At $384 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 $442 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 $507 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 Kemper, offering policies at just $384 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $442.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1101 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
Kemper	$384	$64
Farmers Mutual of Nebraska	$442	$74
Auto-Owners Insurance Co	$507	$84
American Family	$675	$114
State Farm	$821	$138
Allstate	$955	$161
USAA	$960	$162
Auto-Owners	$978	$167
Farmers	$1019	$172
Progressive	$1030	$173
Nationwide	$1071	$180
North Star Mutual	$1101	$187

Key Takeaways

Way's key takeaways about car insurance in Roscoe

The auto insurance costs in Roscoe fall around $384 for six months.
The cheapest auto insurance company in Roscoe is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Roscoe at $30 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 $105. North Star Mutual Insurance is the most expensive at $169 for the same period.

Cheapest Liability Coverage in Roscoe, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$105	$18
Kemper	$134	$23
USAA	$134	$23
American Family	$140	$24
Auto-Owners	$151	$25
North Star Mutual	$151	$25
Auto-Owners Insurance Co	$157	$26
Progressive	$157	$26
State Farm	$157	$26
Farmers	$262	$44
Nationwide	$320	$54
Allstate	$343	$59
North Star Mutual Insurance	$169	$28

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 Kemper at $64 per month and $384 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roscoe, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$384	$64
Farmers Mutual of Nebraska	$442	$74
Auto-Owners Insurance Co	$507	$84
American Family	$675	$114
State Farm	$821	$138
Allstate	$955	$161
USAA	$960	$162
Auto-Owners	$978	$167
Farmers	$1019	$172
Progressive	$1030	$173
Nationwide	$1071	$180
North Star Mutual	$1101	$187

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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, Kemper provides the cheapest car insurance in the Roscoe at $32 per month. At $180 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	$192	$32
Auto-Owners Insurance Co	$204	$34
Farmers Mutual of Nebraska	$606	$102
State Farm	$1164	$196
USAA	$1234	$208
American Family	$1590	$268
Farmers	$1752	$295
Progressive	$1828	$308
North Star Mutual	$2328	$396
Auto-Owners	$2427	$405
Nationwide	$3184	$536
Allstate	$5000	$833
North Star Mutual Insurance	$180	$30

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $99 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 State Farm, offering rates of around $3231 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$99	$17
Western National	$174	$29
Iowa Farm Bureau	$233	$39
Kemper	$268	$45
American Family	$931	$157
Progressive	$990	$167
USAA	$1479	$246
North Star Mutual	$1822	$310
Farmers	$1828	$305
Nationwide	$1921	$326
State Farm	$3231	$538

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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 Western National and Kemper, offering $186 and $210, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $303.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$186	$31
Kemper	$210	$35
Auto-Owners Insurance Co	$216	$36
Farmers Mutual of Nebraska	$437	$74
State Farm	$448	$75
USAA	$669	$113
Progressive	$705	$119
Auto-Owners	$722	$122
Farmers	$879	$148
American Family	$955	$161
Allstate	$1397	$233
Nationwide	$1834	$309
North Star Mutual	$1892	$316
North Star Mutual Insurance	$303	$52

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 $850 for a six month policy. While the rate increases by $163 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	$972	$162
One Med/PIP claim	$972	$166
Not-at-fault accident	$996	$166
Two Med/PIP claims	$1030	$175
One comp claim	$1036	$172
Failure to show documents	$1071	$182
Two comp claims	$1071	$178
Failure to wear a seat belt	$1101	$187
Child safety restraint	$1117	$186
Driving without lights	$1117	$190
Driving with expired registration	$1123	$187
Wrong way/wrong lane	$1123	$191
Cell phone violation	$1129	$188
Driving too slowly	$1129	$192
Texting while driving	$1129	$188
Failure to stop at a red light	$1135	$193
Failure to yield	$1135	$189
Following too closely	$1135	$193
Illegal turn	$1135	$189
Speeding 6 - 10 MPH over limit	$1135	$193
Improper passing	$1147	$191
Speeding 11 - 15 MPH over limit	$1152	$196
Speeding 16 - 20 MPH over limit	$1158	$193
Operating a vehicle without permission	$1188	$202
At-fault accident - less than $1000	$1200	$200
In 65 MPH zone	$1200	$204
Speeding in school zone	$1205	$201
Speeding 21 - 25 MPH over limit	$1234	$210
Passing school bus	$1287	$215
Open container	$1333	$226
At-fault accident - $1000-$2000	$1350	$225
At-fault accident - greater than $2000	$1350	$229
Driving with a suspended license	$1630	$271
Reckless driving	$1647	$280
Refusal to submit to a chemical test	$1740	$290
Racing	$1798	$306
DUI	$1822	$304
Leaving scene of an accident/hit and run	$1863	$317

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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 Western National at $174 for a six-month policy. However, it can be as expensive as $3161 with companies like North Star Mutual.

Roscoe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$174	$29
Farmers Mutual of Nebraska	$623	$105
State Farm	$646	$109
Progressive	$663	$112
Farmers	$960	$162
American Family	$1048	$176
USAA	$1293	$218
Allstate	$1554	$259
Auto-Owners	$1578	$269
Nationwide	$2410	$406
North Star Mutual	$3161	$537

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 Farmers Mutual of Nebraska at $105. However, it can be as expensive as $1723 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
Farmers Mutual of Nebraska	$105	$18
Kemper	$163	$27
Western National	$174	$29
Auto-Owners Insurance Co	$180	$30
State Farm	$303	$51
USAA	$454	$77
Progressive	$501	$84
North Star Mutual	$553	$94
American Family	$640	$108
Nationwide	$1467	$250
Farmers	$1723	$287

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 remained steady at $162 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Roscoe remained steady at $29 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 Roscoe?

The car insurance in Roscoe is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Roscoe?

The cheapest car insurance in Roscoe is $64 per month for full coverage.

How much is car insurance in Roscoe for teenagers?

Car insurance for teenagers costs $192 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 $845 for a six-month policy. It will cost around $139 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 Kemper, offering $384 for a six-month policy.