Who Has Cheap Auto Insurance for Teenage Females in South Dakota?

One of the many factors that helps insurance companies calculate the price of your policy is where you keep your car in South Dakota. More densely populated places like Pine Ridge, Hot Springs, and Sturgis tend to have higher auto insurance costs, whereas areas with less congestion benefit from lower prices.

The illustration below ranks the most expensive areas in South Dakota for teenage females in which to purchase auto insurance.

Table data uses comparative as the vehicle garaging location can influence coverage prices noticeably.

Finding low-cost auto insurance is hard enough, and deciding which companies have the cheapest insurance rates for teenage females involves even more shopping around. Coverage rates should be significantly more than the average policy in South Dakota due to the higher likelihood of claims related to selling insurance for teen girls, but affordable insurance should be obtainable if you do a thorough comparison. Each insurance company has a proprietary formula to determine premium rates, so let’s begin by examining the most competitive insurance companies in South Dakota.

Best Auto Insurance Prices for Teens

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USAA quotes some of the best car insurance rates in South Dakota at around $638 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the more affordable South Dakota car insurance companies.

As the example above demonstrates, if you are currently insured with Farmers Mutual of Nebraska and switched to USAA, you might realize annual savings of roughly $388. South Dakota drivers with Unitrin could save as much as $427 a year, and Western National policyholders might reduce prices by as much as $430 a year.

These prices are averaged for all drivers and vehicles and and are not figured with a price surcharge for teenage females. So the company that is most affordable for your situation may not even be shown in the rate chart shown above. That points out the importance of why you need to compare prices as often as possible using your own individual information.

The vehicle model to be insured is one of the largest factors that determines whether or not you can buy cheap auto insurance for teenage females in South Dakota. Vehicles with higher performance characteristics, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than safer models. The data below illustrates auto insurance costs for some of the most cost-effective automobiles to buy coverage for.

Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in garaging location in South Dakota which can influence premiums greatly.

Based upon the rates shown, models like the Honda CR-V, Honda Accord, Ford Escape, Hyundai Elantra, and Subaru Forester are likely to be the most budget-friendly vehicles to insure for teen girls. The price of auto insurance will tend to be more expensive anyway because of the fact that there is more liability risk for teenage females, but overall those particular models will have the cheapest rates that you’ll find.

The information below illustrates how choosing a deductible can influence insurance costs when researching cheap insurance for teenage females. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could save $316 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $476 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, can save $672 every year just by using higher deductibles.

When increasing deductibles, it will be important to have emergency funds available to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Insurance rates are higher with tickets and accidents

The easiest method to obtain cheap auto insurance for teenage females in South Dakota is to be a safe driver and have a clean driving record. The diagram below illustrates how speeding tickets and at-fault accidents can affect yearly insurance costs for each different age group. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2855,3385,5591],[‘Age 30’, 1495,2029,4235],[‘Age 40’, 1461,1989,4199],[‘Age 50’, 1335,1867,4075],[‘Age 60’, 1297,1829,4035],[‘Age 70’, 1615,2147,4353]]);var options = {title: ‘Effect of Citations and Accidents on South Dakota Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in South Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance per year with no violations or accidents is $1,676. Get two speeding tickets and the average cost rises to $2,208, an increase of $531 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for teenage females jumps again to an average of $4,415. That’s an increase of $2,738, or $228 per month, just for not driving safely!