Cheapest Car Insurance Quotes in Rosebud

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Rosebud Car Insurance

^$ 21

/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 Rosebud

The car insurance rate in Rosebud is $1202 for a six-month policy, which is $248 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $382, making it a popular choice for budget-conscious drivers. Rates in Rosebud 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 Rosebud

$1202

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Rosebud

1st place: American Family

At $382 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 $494 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 $614 for six months, making it the third cheapest auto insurance company in Rosebud.

Rosebud Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rosebud, SD is American Family, offering policies at just $382 for a six-month term. This is followed by Kemper, which has an average six-month premium of $494.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2268 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rosebud drivers find the best deals.

Cheap Car Insurance Companies in Rosebud, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$382	$63
Kemper	$494	$84
Farmers Mutual of Nebraska	$614	$103
Auto-Owners Insurance Co	$651	$111
State Farm	$1130	$190
Allstate	$1227	$207
Progressive	$1235	$208
USAA	$1265	$213
Nationwide	$1444	$243
Auto-Owners	$1459	$246
Farmers	$1489	$251
North Star Mutual	$1983	$338
Farm Bureau	$2268	$378

Key Takeaways

Way's key takeaways about car insurance in Rosebud

The auto insurance costs in Rosebud fall around $382 for six months.
The cheapest auto insurance company in Rosebud is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Rosebud at $721 per month.

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Cheapest Minimum Liability Car Insurance in Rosebud

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 Rosebud are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Rosebud. Their Average 6 Month Premium is $127. Farmers is the most expensive at $471 for the same period.

Cheapest Liability Coverage in Rosebud, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$127	$21
American Family	$150	$25
Kemper	$173	$29
USAA	$180	$30
Progressive	$188	$32
Auto-Owners Insurance Co	$202	$34
State Farm	$209	$35
North Star Mutual	$224	$38
Auto-Owners	$232	$39
North Star Mutual Insurance	$270	$45
Farm Bureau	$314	$53
Nationwide	$404	$68
Allstate	$441	$76
Farmers	$471	$81

Cheapest Full Coverage Car Insurance in Rosebud

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 Rosebud is American Family at $63 per month and $382 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rosebud, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$382	$63
Kemper	$494	$84
Farmers Mutual of Nebraska	$614	$103
Auto-Owners Insurance Co	$651	$111
State Farm	$1130	$190
Allstate	$1227	$207
Progressive	$1235	$208
USAA	$1265	$213
Nationwide	$1444	$243
Auto-Owners	$1459	$246
Farmers	$1489	$251
North Star Mutual	$1983	$338
Farm Bureau	$2268	$378

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Average Car Insurance in Rosebud 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 Rosebud, SD increasing?

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

Car Insurance Premiums by Age in Rosebud

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 Rosebud,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Rosebud at $33 per month. At $4326 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$194	$33
North Star Mutual Insurance	$239	$40
Kemper	$247	$42
Auto-Owners Insurance Co	$262	$44
Farmers Mutual of Nebraska	$965	$163
USAA	$1691	$285
State Farm	$1714	$289
Progressive	$2185	$368
North Star Mutual	$2559	$427
Auto-Owners	$3615	$609
Nationwide	$4229	$712
Farm Bureau	$4310	$733
Allstate	$6429	$1071
Farmers	$4326	$721

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 Rosebud, American Family is the cheapest car insurance provider. At $173 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 Rosebud is Farmers, offering rates of around $2350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$173	$29
Western National	$224	$38
Iowa Farm Bureau	$300	$50
Kemper	$344	$58
Farmers Mutual of Nebraska	$606	$102
Progressive	$929	$156
USAA	$2126	$362
Nationwide	$2717	$452
North Star Mutual	$3294	$559
Farm Bureau	$4251	$708
Auto-Owners	$5127	$872
State Farm	$6234	$1040
Farmers	$2350	$399

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Car Insurance Rates with An Accident in Rosebud

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

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

The cheapest car insurance companies after an at-fault accident in Rosebud include American Family and Western National, offering $209 and $239, respectively. Farmers is an expensive provider with an average six-month premium of $2013.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$209	$35
Western National	$239	$40
Kemper	$270	$45
Auto-Owners Insurance Co	$277	$47
North Star Mutual Insurance	$412	$68
State Farm	$644	$108
Farmers Mutual of Nebraska	$696	$117
Progressive	$861	$145
USAA	$906	$152
Auto-Owners	$1385	$233
Allstate	$1797	$300
Nationwide	$2485	$418
North Star Mutual	$3428	$571
Farm Bureau	$3480	$592
Farmers	$2013	$343

Rosebud Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rosebud SD. For example, the car insurance in Rosebud after a DUI increases to $1092 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Rosebud auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1250	$208
One Med/PIP claim	$1250	$213
Not-at-fault accident	$1280	$213
Two Med/PIP claims	$1324	$226
One comp claim	$1332	$222
Failure to show documents	$1377	$234
Two comp claims	$1377	$229
Failure to wear a seat belt	$1415	$241
Child safety restraint	$1436	$239
Driving without lights	$1436	$244
Driving with expired registration	$1444	$241
Wrong way/wrong lane	$1444	$246
Cell phone violation	$1452	$242
Driving too slowly	$1452	$247
Texting while driving	$1452	$242
Failure to stop at a red light	$1459	$248
Failure to yield	$1459	$243
Following too closely	$1459	$248
Illegal turn	$1459	$243
Speeding 6 - 10 MPH over limit	$1459	$248
Improper passing	$1474	$246
Speeding 11 - 15 MPH over limit	$1482	$252
Speeding 16 - 20 MPH over limit	$1489	$248
Operating a vehicle without permission	$1527	$260
At-fault accident - less than $1000	$1542	$257
In 65 MPH zone	$1542	$262
Speeding in school zone	$1550	$258
Speeding 21 - 25 MPH over limit	$1586	$270
Passing school bus	$1654	$276
Open container	$1714	$291
At-fault accident - $1000-$2000	$1736	$290
At-fault accident - greater than $2000	$1736	$295
Driving with a suspended license	$2095	$349
Reckless driving	$2118	$360
Refusal to submit to a chemical test	$2238	$373
Racing	$2312	$393
DUI	$2342	$391
Leaving scene of an accident/hit and run	$2395	$407

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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 Rosebud 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 Rosebud.

The cheapest car insurance premiums in Rosebud are offered by American Family at $202 for a six-month policy. However, it can be as expensive as $2118 with companies like Farmers.

Rosebud car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Western National	$224	$38
Progressive	$794	$134
Farmers Mutual of Nebraska	$995	$168
State Farm	$995	$168
USAA	$1751	$295
Auto-Owners	$1879	$316
Allstate	$1998	$340
Nationwide	$3279	$552
Farm Bureau	$4798	$815
North Star Mutual	$5725	$954
Farmers	$2118	$353

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 Rosebud are offered by American Family at $202. However, it can be as expensive as $2215 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rosebud after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$202	$34
Kemper	$209	$35
Western National	$224	$38
Auto-Owners Insurance Co	$232	$39
Farmers Mutual of Nebraska	$344	$58
Progressive	$464	$78
State Farm	$464	$78
North Star Mutual	$591	$101
USAA	$733	$122
Auto-Owners	$1339	$228
Farm Bureau	$1467	$244
Nationwide	$1782	$302
Farmers	$2215	$369

Car Insurance Price Trends in Rosebud, South Dakota

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

The average cost of full coverage in the Rosebud rose by $213 in January compared to $209 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Rosebud remained steady at $38 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 Rosebud?

The car insurance in Rosebud is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Rosebud?

The cheapest car insurance in Rosebud is $63 per month for full coverage.

How much is car insurance in Rosebud for teenagers?

Car insurance for teenagers costs $194 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 Rosebud?

The average cost of car insurance is $954 for a six-month policy. It will cost around $202 per month to insure your car in Rosebud.

Is car insurance expensive in Rosebud?

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

What is the best car insurance in Rosebud, SD?

The best car insurance company in Rosebud SD is American Family, offering $382 for a six-month policy.