Who Has the Cheapest Insurance Quotes for a GMC Acadia in South Dakota?

Your chances of buying the best cheap insurance for a GMC Acadia in South Dakota depends upon a lot of rating criteria like whether you are male or female, your credit rating, and deductible levels for physical damage coverage. Drivers in South Dakota on average will pay $940 every 12 months to insure their Acadia, but that amount is a projection that rates a 50-year-old single male who requires full comprehensive and collision coverage and $100 physical damage deductibles.

There’s a good chance you are not a 50-year-old male, married instead of single, or maybe your South Dakota zip code is rated cheaper than the example. Even a minor change in policy rating criteria or coverages can result in a massive change in rate quotes.

This example demonstrates why the best way to quote the cheapest coverage for your GMC is to compare as many rates as possible.

View GMC Acadia Insurance Rates

Vehicle trim level has an effect on the annual cost of coverage, so the price you will be charged to insure a Acadia SL 2WD model will be $140 cheaper than the price to insure the more expensive Acadia SLT AWD version, as shown in the prices below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in vehicle garaging location which can impact rates considerably.

Ratings for South Dakota auto insurance companies

Choosing a highly-rated insurance provider can be difficult considering how many companies are available to choose from in South Dakota. The ranking information shown next can help you pick which providers you want to consider comparing rates from.

The ratings below include companies that write coverage in many states, so smaller companies that only insure vehicles in South Dakota will not be included in the list. To view rates from many more South Dakota auto insurance companies, click this link.

Top 10 Large Auto Insurance Providers 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 10 Large Auto Insurance Providers in South Dakota Ranked by A.M. Best Rating

1. USAA – A++
2. State Farm – A++
3. GEICO – A++
4. Nationwide – A+
5. Esurance – A+
6. The Hartford – A+
7. Progressive – A+
8. Allstate – A+
9. The General – A-
10. American Family – A

Top Companies for GMC Acadia Insurance in South Dakota

Poor driving habits will raise your auto insurance rates

In a perfect world, the best way to maintain the cheapest insurance for a GMC Acadia in South Dakota is to drive safely and avoid accidents and violations. The chart below demonstrates how traffic citations and at-fault accidents raise car insurance costs for different age categories. The premiums assume a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous chart, the average cost of a car insurance policy in South Dakota per year with no accidents and a clean driving record is $1,307. Get one speeding ticket and the average cost surges to $1,483, an increase of $176 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for a GMC Acadia increases to an average of $3,184. That’s an increase of $1,877, or $156 per month, just for being a little careless behind the wheel!

How much more does full coverage cost in South Dakota?

Finding the cheapest insurance for a GMC Acadia in South Dakota is probably important to most drivers, and one good way to save on the cost of insurance is to not buy full coverage. The diagram below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no accidents, no driving violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

If all age groups are averaged, physical damage coverage costs an additional $1,388 per year more than just insuring for liability. That amount may make you wonder if full coverage is worth the money. There is no specific rule of when to phase out comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $9,500 after paying your deductible. If you are currently paying more than $950 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some conditions where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.