How Much are Auto Insurance Quotes for High Mileage Drivers in South Dakota?

You have probably watched the commercials from insurers like Liberty Mutual and Farmers that make promises of the cheapest rates. So you just need to pick one at random, right?

That is not the case, however, as there are a whole slew of unknown aspects like the likelihood of your vehicle having a liability claim, if you have ever had a gap in coverage, the type of vehicle you drive, and how old you are, that all have an effect on the price of a policy. This article goes into detail about the things that cause high insurance rates and will give you a good beginning to your search for cheaper coverage.

The safety and performance level of the vehicle requiring coverage is one of the primary factors in finding cheap insurance for high mileage drivers in South Dakota. Vehicles with high performance, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models.

The lists below presents coverage costs for a selection of the most affordable automobiles to insure in South Dakota.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in vehicle location which can influence coverage rates considerably.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle location which can impact coverage prices noticeably.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in vehicle garaging location which can change price quotes greatly.

Determining which companies quote the lowest-priced car insurance rates for high mileage drivers may require a bit more effort in order to find coverage that fits your buget. Each company uses a little different formula to set their prices, so to begin we’ll rank the car insurance companies with the most affordable rates in South Dakota.

It’s important that readers know that South Dakota car insurance rates are determined by lots of factors that control the policy price. Turning one year older, moving to a different location, or having a fender bender can trigger rate changes resulting in some rates now being cheaper than others.

Best Insurance Companies in South Dakota

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USAA may offer some of the lowest car insurance rates in South Dakota at around $650 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National would also be considered some of the most economical South Dakota car insurance companies.

As shown in the table above, if you currently buy coverage from Farmers Mutual of Nebraska and switched to USAA, you might see a yearly savings of around $346. Customers with Western National might save as much as $386 a year, and Unitrin customers might lower prices by $393 a year.

It’s important to note that these prices are averages across all drivers and vehicles and do not take into consideration a rate decrease for high mileage drivers. So the insurer that fits your age and vehicle best may not even be in the above rate chart. That helps illustrate why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

How careless driving impacts South Dakota car insurance rates

A great way to obtain good car insurance premiums for high mileage drivers is to pay attention while driving and have a clean driving record. The chart below highlights how traffic violations and at-fault accidents can impact car insurance costs for each different age group. The premiums assume a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of auto insurance in South Dakota per year with no accidents or violations is $1,693. Factor in one speeding ticket and the average cost increases to $1,905, an increase of $212 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for high mileage drivers goes up to an average of $2,505. That’s an increase of $812, or $68 per month, just for not being attentive to the road!

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

If you want reliable car insurance for high mileage drivers, four good companies to start with are Geico, State Farm, Progressive, and Allstate. When combined, they make up nearly half of all policies written. The data below compares pricing and service ratings, plus some optional coverages that are available from each company.

How to find economical auto insurance for high mileage drivers

Below you’ll find some money-saving suggestions that can help South Dakota drivers buy the cheapest coverage.

• Remove physical damage coverage on older vehicles
• Drive safe vehicles
• Higher deductibles mean lower rates
• Good credit scores may lower your rates
• Do not get into accidents that are your fault
• Violations like speeding or DUI increase rates
• Compare prices frequently to find the best deal

That last piece of advice is extraordinarily crucial, as we stressed in the prior information. Prices charged by car insurance companies can change in a short period of time, so drivers shouldn’t hesitate to change to a new company if you find a cheaper price.

Brand loyalty is great, but it’s not a great idea if your bullheadedness ends up costing you a small fortune. It only take a few minutes to compare rates and find cheaper auto insurance for high mileage drivers.