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

When buying auto insurance for drivers with handicaps, one of the key criteria that help determine the cost of insurance is the neighborhood you call home in South Dakota. Areas with increased crime or more people like Pine Ridge, Spearfish, and Belle Fourche likely pay more, whereas areas that are not as densely populated profit from lower rates.

The following table illustrates the more expensive cities in South Dakota for handicapped drivers to buy car insurance in.

Table data uses estimated as specific South Dakota zip code can decrease or increase prices significantly.

Finding out which companies offer the most affordable auto insurance rates for handicapped drivers requires a little more work than just quoting one company’s rates. Each company has a proprietary formula for determining prices, so let’s rank the auto insurance companies that tend to be cheaper in South Dakota.

Compare Cheap Insurance Quotes in South Dakota

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USAA quotes some of the cheapest car insurance rates in South Dakota at around $657 each year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Unitrin would also make the list of some of the best South Dakota car insurance companies.

As illustrated above, if you currently have a policy with Auto-Owners and switched to USAA, you may realize a yearly price reduction of about $231. Customers with Farmers Mutual of Nebraska might save as much as $349 a year, and State Farm customers might see rate reductions of $350 a year.

To find out how much you can save, click here to begin a quote or click through to the companies below.

Understand that those rates are averaged across all types of insureds and vehicles and are not factoring in a price decrease for handicapped drivers. So the auto insurance company that can offer the best rates for your situation may not even be included in the list above. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.

The vehicle you are insuring is one of the primary factors that determines the availablility of cheap insurance for handicapped drivers in South Dakota. Vehicles with high performance features, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models. The information below presents auto insurance prices for a number of the most budget-friendly vehicles to buy insurance for.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can affect coverage rates significantly.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in South Dakota location which can alter price quotes considerably.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can decrease or increase auto insurance rates substantially.

Price comparison of only insuring for liability

Finding cheap insurance for handicapped drivers in South Dakota is important to most drivers, and a great way to buy cheaper insurance is to not insure for full coverage. The illustration below illustrates the comparison of auto insurance costs with and without physical damage coverage. The information is based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.

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As an overall average, physical damage coverage on your policy costs $1,676 per year more than carrying just liability coverage. Many drivers will wonder if you should buy full coverage. There is no set guideline to drop physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

There are some circumstances where removing full coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Does State Farm, Geico, Allstate, or Progressive have the cheapest car insurance?

When researching car insurance, the four most popular companies are State Farm, Geico, Allstate, and Progressive. When combined, they insure over 48% of all policies written. The next table points out price and claims rank as well as some different options offered by each one.