Cheap Insurance for a Toyota Camry in South Dakota

Cheap Insurance for a Toyota Camry in South Dakota

Whenever people write about car insurance, the word cheap shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a Toyota Camry is almost non-existent. Don’t let that ruin your day, because we will tell you how you can quote and buy insurance that may not be cheap, but it is affordable.

The chances of finding affordable car insurance for a Toyota Camry in South Dakota is dependent upon a complicated equation that takes into consideration things like whether you use your Camry for business use, whether or not you are currently insured, and any prior driving citations you have received. South Dakota drivers on average pay around $650 a year to buy insurance for a Toyota Camry, but that amount is an estimate using rate data for a 40-year-old married male that includes comprehensive and collision coverage and $1,000 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not a 40-year-old male, single instead of married, or maybe you just want different deductibles. Making minor changes in input factors can cause significant differences in the rate quoted for a Toyota Camry.

Auto insurance is not “one size fits all”, so the best way to find the cheapest insurance price for your Toyota is to do your own rate comparisons.

Compare Toyota Camry Insurance Rates

The specific model of Camry impacts the annual cost of coverage, so the price you pay to insure a Camry LE model will be $110 lower than the insurance cost for the more well-appointed Camry Hybrid trim level, as shown in the prices below.

Toyota Camry Insurance Rates in South Dakota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $128 $222 $304 $18 $90 $762 $64
Camry SE $128 $262 $304 $18 $90 $802 $67
Camry XLE $128 $262 $304 $18 $90 $802 $67
Camry Hybrid $144 $262 $344 $20 $102 $872 $73
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location which can alter premiums greatly.

South Dakota insurance companies

Insuring your vehicle with the right car insurance company can be a challenge considering how many choices drivers have in South Dakota. The company rank data in the next section can help you choose which insurers you want to consider when comparing rate quotes.

These rankings are for large, nationwide insurance companies, so companies that may only write in South Dakota are not included in this list. If you’d like to compare prices from the most competitive companies in South Dakota, simply click here.

Top 10 Major Auto Insurance Companies in South Dakota Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. AAA Insurance – 87%
  7. Liberty Mutual – 87%
  8. Farmers Insurance – 87%
  9. The Hartford – 87%
  10. Progressive – 87%

Top 10 Major Auto Insurance Companies in South Dakota Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. GEICO
  6. Liberty Mutual
  7. Allstate
  8. The Hartford
  9. Farmers Insurance
  10. Esurance

Top Companies for Toyota Camry Insurance in South Dakota

The information below demonstrates how deductible levels can affect insurance costs when trying to find cheap insurance for a Toyota Camry. The costs are based on a married female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could pocket $272 a year by increasing from a $100 deductible up to a $500 deductible, or save $410 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could save $672 every year by choosing a larger deductible amount.

If you do raise deductibles, it’s a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

How careless driving impacts South Dakota insurance rates

The recommended way to maintain cheap insurance for a Toyota Camry in South Dakota is to drive carefully and avoid traffic citations and accidents. The information below illustrates how violations and at-fault fender-benders impact insurance prices for each different age group. The rates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

In the prior example, the average cost of auto insurance in South Dakota per year with a clean driving record and no accidents is $1,967. Receive two speeding tickets and the average cost jumps to $2,608, an increase of $641 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a Toyota Camry jumps again to an average of $3,260. That’s an increase of $1,294, or $108 per month, just for a couple of infractions!

Is State Farm, Geico, Allstate, or Progressive cheaper?

When it comes to buying auto insurance, four of the larger companies to compare rates for are State Farm, Geico, Allstate, and Progressive. The table below points out some of the different features that are available from each company.

Top U.S. Car Insurance Company Ratings
State Farm Geico Allstate Progressive
Handling of Claims 2nd 3rd 1st 4th
Policy Discounts 3rd 2nd 1st 4th
Client Satisfaction 4th 1st 2nd 3rd
Overall Price 2nd 1st 4th 3rd
Breakdown insurance No Yes No Yes
Usage-based insurance Yes No Yes Yes
Roadside assistance Yes Yes Yes Yes
New car replacement No No Yes No
Accident forgiveness No Yes Yes Yes
Rideshare insurance Yes Yes Yes Yes
Where you can buy State Farm exclusive agents Both online and from Geico agents Allstate-only agents Buy online or from an independent agent
Number of agents 18,000+ 150+ 11,000+ 30,000+
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