Who Has Cheap Car Insurance for Drivers Over Age 50 in South Dakota?

The car, truck, or SUV you are trying to insure is a significant factor when shopping for cheap auto insurance for drivers over age 50 in South Dakota. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The data below outlines car insurance costs for a selection of the most budget-friendly automobiles to buy insurance for.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific garaging location which can modify price quotes greatly.

Based on these rates, you can assume that cars like the Ford Escape, Honda CR-V, Ford F-150, and Chevrolet Traverse will definitely be a few of the cheaper vehicles to insure for older drivers.

For older drivers, one of the largest components used to determine car insurance rates is the neighborhood you call home in South Dakota. Areas with more people or higher crime rates like Pine Ridge, Spearfish, and Belle Fourche tend to have higher auto insurance costs, whereas cities that are not as densely populated enjoy lower insurance rates.

The illustration below displays the most expensive cities in South Dakota for drivers over age 50 to purchase car insurance in.

Premium amounts are comparative as specific South Dakota garaging address can increase or decrease insurance rates considerably.

Get discount South Dakota auto insurance

Insurers that provide cheap auto insurance for drivers over age 50 in South Dakota may also offer discounts that can lower rates by 40% or more if you meet eligibility requirements. The best insurance companies and their offered discounts are:

• GEICO includes discounts for air bags, multi-vehicle, defensive driver, good student, multi-policy, anti-theft, and seat belt use.
• Auto-Owners Insurance discounts include anti-theft, good student, safe driver, multiple vehicles, student away at school, and anti-lock brakes.
• American Family may offer discounts for early bird, mySafetyValet, accident-free, good driver, and multi-vehicle.
• Esurance offers premium reductions for good driver, safety device, online quote, claim free, good student, and Pac-12 alumni.
• Progressive may have discounts that include multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.
• State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, passive restraint, multiple policy, and good driver.
• AAA may include discounts for education and occupation, good driver, pay-in-full, multi-policy, and AAA membership discount.

The chart below illustrates the difference between insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no tickets, no at-fault accidents, South Dakota state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, defensive driving course, safe-driver, multiple vehicle, claim-free, and multiple policy discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for drivers over age 50 is 29% or $417.

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The information below demonstrates how choosing different deductibles can increase or decrease insurance costs when researching cheap insurance for drivers over age 50. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2075,1889,1677,1477],[‘Age 30’, 1463,1329,1173,1025],[‘Age 40’, 1443,1313,1163,1021],[‘Age 50’, 1265,1151,1023,899],[‘Age 60’, 1205,1097,971,855],[‘Age 70’, 1293,1175,1049,927]]);var options = {title: ‘Deductible Levels and Auto Insurance Cost in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could lower rates by $242 a year by changing from a $100 deductible to a $500 deductible, or save $366 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices up to $598 or even more just by choosing higher deductibles. If you do raise deductibles, it will be important to have enough savings to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Which auto insurance company is best?

If you want reliable car insurance for older drivers in South Dakota, the top insurers to get price quotes from are Progressive, Allstate, State Farm, and Geico. They all have a distict selection of optional coverages and features that you can choose from. The next table compares ratings and policy coverage options that are available for buyers.