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Get Cheap Car Insurance in Hill City, SD
We monitor insurance prices, helping the average driver in Hill City save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Hill City
The chart below shows the cheapest car insurance company in Hill City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by American Family Insurance, Midvale Home & Auto, and State Farm.
| Hill City Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $27 |
| American Family Insurance | $30 |
| Midvale Home & Auto | $31 |
| State Farm | $31 |
Savings for Every Kind of Hill City Driver
Based on our extensive insurance data, we know the average Hill City driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $348 per year by choosing the right vehicle insurance company. Some Hill City residents are paying out over $1,677 extra every year for auto insurance in Hill City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hill City, SD Savings / Yr. |
|---|---|
$348 |
|
$702 |
|
$543 |
|
$790 |
|
$1,312 |
|
$383 |
|
$601 |
Hill City Car Insurance vs. South Dakota
People living in Hill City pay an average of 1.66% more than the typical driver in the state. The average driver in Hill City can expect to pay about $459 per year, or $1,677 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Hill City for most people.
Car Insurance Prices by Hill City Neighborhood
Insurance Prices
Where is insurance cheapest within Hill City?
The map shows insurance prices in and around Hill City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $70 per year within the city boundaries, with insurance premiums ranging from a high of $1,733 to a low of $1,663. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Hill City.Pick the Best Car Insurance Company for You in Hill City
The best car insurance provider for most drivers in Hill City
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $348 over the average Hill City car insurance company.
The best car insurance provider for Hill City drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $702 over the competition.
The best car insurance company for Hill City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $543 better than other car insurance companies.
The best auto insurance for Hill City drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $790 less each year.
The least expensive car insurance company for new and young drivers in Hill City
In Hill City, State Farm costs young drivers $1,312 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hill City
State Farm gave the largest car insurance discounts to married couples, averaging $383 saved each year compared to an average Hill City couple's premiums.
The cheapest car insurance in Hill City for drivers with bad credit
The best Hill City car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hill City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hill City driver can expect to pay about $111 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hill City, USAA has the best prices for drivers with bad credit, drivers with a DUI conviction, good drivers, young drivers, drivers with accidents, drivers with speeding tickets, and married couples.Auto Insurance Prices in and Around Hill City
What Influences the Cost of Car Insurance in Hill City?
On average, car insurance in Hill City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Hill City is 29 minutes, which is a little more than average for a driver in the state.
- South Dakota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hill City are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Hill City is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Hill City is $38 per month for minimum coverage and $140 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Silver City: Insurance costs 0.83% less
- Mystic: Insurance costs 0.83% less
- Keystone: Insurance costs 0.54% more
- Custer: Insurance costs 0.95% more
- Johnson Siding: Insurance costs 1.13% less
- Rochford: Insurance costs 0.95% less
- Sanator: Insurance costs 2.21% more
- Nemo: Insurance costs 0.89% more
- Roubaix: Insurance costs 2.21% more
- Rapid City: Insurance costs 0.12% less
Cities with Similar Populations
- Stanchfield: Insurance costs 0.42% more
- Fred: Insurance costs 2.21% less
- Frenchburg: Insurance costs 34.88% more
- Gaylesville: Insurance costs 8.59% less
- Geyserville: Insurance costs 11.39% more
- Glenbeulah: Insurance costs 35.48% less
- Goodspring: Insurance costs 21.11% less
- Hampton: Insurance costs 10.91% less
- Hemby Bridge: Insurance costs 25.76% less
- Hubbard: Insurance costs 4.29% less