How Much are Auto Insurance Quotes for Postal Workers in South Dakota?

Our editors keep telling us that when writing about auto insurance, the words cheap or affordable really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for postal workers is not easy to find. Don’t let that get you down, though, because we are going to show you how you can quote and buy coverage that fits into your budget.

The car, truck, or SUV you are buying coverage for is one of the largest considerations that determines if you can find affordable insurance for postal workers. Vehicles with reasonable performance levels, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models.

The data below illustrates coverage rates for a handful of the most affordable vehicles to buy coverage for.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can raise or lower insurance rates greatly.

By looking at the data, cars like the Ford Escape, Honda Accord, Honda CR-V, Ford Edge, and Toyota RAV4 are likely to be some of the most budget-friendly vehicles to insure for postal employees.

When shopping for cheaper auto insurance for postal employees, one of the many components that establish the price of your policy is where your home is located. Areas that are more densely populated or have higher claim rates like Pine Ridge, Spearfish, and Hot Springs tend to have more expensive car insurance rates, whereas more rural areas have the gratification of cheap car insurance for postal workers in South Dakota.

The table below displays the most expensive cities in South Dakota for postal workers to buy auto insurance in.

Premium costs are approximated as vehicle location can raise or lower auto insurance rates greatly.

Figuring out which companies offer the most affordable car insurance rates for postal workers involves a little more effort than just getting one or two price quotes.

Each auto insurance company has a different formula to set premium rates, so let’s rank the car insurance companies with the most affordable rates in South Dakota. We do need to point out that South Dakota car insurance rates are impacted by many factors that may substantially change the price you pay. Improving your credit score, becoming a homeowner, or getting a ticket for careless driving can produce rate changes that can make some companies affordable when they were higher priced.

Best Car Insurance Prices for USPS Employees

Get a Free Quote and Save

USAA quotes some of the most affordable car insurance rates in South Dakota at around $638 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National are also some of the most economical South Dakota auto insurance companies.

As shown in the rates above, if you currently buy coverage from Western National and switched to Auto-Owners, you could realize a yearly savings of roughly $112. South Dakota drivers with Unitrin might save as much as $141 a year, and Farmers policyholders might lower prices by $186 a year.

These estimates are averaged for all drivers and vehicles in South Dakota and do not factor in a rate decrease for postal workers. So the insurer that fits your situation best may not even be included in the rate chart shown above. That point stresses why you need to compare rates from multiple companies using your own personal information and vehicle type.

Violations and accidents raise rates

The recommended way to score cheap car insurance for postal workers in South Dakota is to drive safe and have a clean driving record. The illustration below highlights how speeding tickets and accident claims influence car insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $250 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’, 2275,2947,5453],[‘Age 30’, 1585,2257,4765],[‘Age 40’, 1573,2243,4753],[‘Age 50’, 1379,2055,4561],[‘Age 60’, 1311,1987,4493],[‘Age 70’, 1423,2097,4601]]);var options = {title: ‘Effect of Tickets and Claims on South Dakota Insurance Cost’,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);}

In the prior example, the average cost of a car insurance policy in South Dakota per year with a clean driving record and no accidents is $1,591. Add in two speeding tickets and the average cost jumps to $2,264, an increase of $673 each year. Then include two accidents along with the two speeding tickets and the yearly cost of car insurance for postal workers jumps again to an average of $4,771. That’s an increase of $3,180, or $265 per month, just for not driving attentively!

Progressive, Allstate, Geico, or State Farm: Which is best?

When it comes to auto insurance for postal employees in South Dakota, the four most popular companies are Progressive, Allstate, Geico, and State Farm. The data below ranks price and claims rank as well as some different options offered by each company.