How Much are Car Insurance Quotes for Good Drivers in South Dakota?

Wouldn’t it be nice if we could instantly tell you the best company in South Dakota that has the cheapest insurance for good drivers? It’s not that simple, unfortunately, as there are a whole bunch of unknowns like if you have a spouse, the crime level of your neighborhood, and if you have points on your license, that all impact the cost of coverage. In this article, we will cover the best ways to pay less and will hopefully give the reader a good start in finding the cheapest car insurance.

When shopping for cheaper insurance for safe drivers, one of the many things used to calculate the price of your policy is where you call home in South Dakota. Regions with more people or even just more weather-related claims like Pine Ridge, Belle Fourche, and Hot Springs tend to have more expensive auto insurance rates, whereas less populated areas can boast about having cheaper rates.

The next table sorts the highest-priced areas in South Dakota for good drivers to buy auto insurance in.

Rate quotes are estimated as vehicle location can revise coverage rates substantially.

The type of vehicle you are insuring is a large consideration when shopping around for the best cheap coverage for good drivers. Vehicles with lots of speed or power, a lack of advanced safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The information below estimates car insurance premiums for the most budget-friendly automobiles to buy coverage for.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can modify coverage prices greatly.

Looking at the data, models like the Ford Escape, Honda CR-V, and Hyundai Tucson are most likely going to be a few of the most affordable vehicles to insure for safe drivers.

Finding cheap auto insurance is not the easiest thing to do, and deciding which companies have the lowest-priced insurance rates for good drivers involves a bit more work. Insurance rates will probably be somewhat lower than the average policy in South Dakota attributed to the decrease in risk that goes along with offering insurance for safe drivers. Cheap coverage should be easy to buy from many insurers.
Each insurance company has a proprietary formula for determining rates, so we’ll go over the insurance companies that tend to be cheaper in South Dakota.

Find the Best Cheap Insurance for Good Drivers

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USAA offers some of the most affordable car insurance rates in South Dakota at around $631 a year. Auto-Owners, State Farm, Western National, and Farmers Mutual of Nebraska are also some of the cheaper South Dakota car insurance companies.

In the rate table above, if you have coverage with Western National and switched to Auto-Owners, you may see yearly savings of approxmiately $139. Customers with Farmers Mutual of Nebraska may save as much as $139 a year, and Unitrin policyholders might lower prices by $146 a year.

To find cheap insurance for good drivers in South Dakota for your vehicle, click here to begin a quote or visit any of the low-priced companies below.

It’s important to note that these policy prices are averaged for all types of insureds and vehicles and do not factor in a rate decrease for good drivers. So the company that is most affordable for your situation may not even be in the list of companies shown earlier. That point stresses why you need to get car insurance quotes using your own specific driver and vehicle information.

Rate comparison of full coverage and liability-only

Finding cheap insurance for good drivers in South Dakota is important to most drivers, and an effective way to buy cheaper insurance is to not buy full coverage. The diagram below visualizes the comparison of auto insurance rates with and without full coverage. Data assumes no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied to the premium.

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As an overall average, physical damage coverage on your policy costs $1,693 per year more than just buying liability insurance. A very common question is if it’s a good idea to buy full coverage. There isn’t a steadfast formula that works best for making the decision to drop comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are some circumstances where only buying liability is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Best insurance in South Dakota

Picking a high-quality car insurance company is hard considering how many different companies insure vehicles in South Dakota. The information listed below can help you pick which car insurance companies you want to consider comparing rates from. The rankings below only include large insurance companies, so companies that may only write in South Dakota are not factored into this list.

Progressive vs Allstate vs State Farm vs Geico

When buying car insurance, four of the larger companies to compare rates for are Progressive, Allstate, State Farm, and Geico. Between them, they insure over 48% of all car insurance policies written. All of them offer physical damage and liability coverage, but each has slightly different coverage options that may influence which company you choose. The table below breaks down price and claims rank as well as some different options you can expect with each one.