Who Has the Cheapest Insurance Quotes for a Nissan Versa in South Dakota?

The likelihood of finding the cheapest auto insurance for a Nissan Versa in South Dakota depends upon a complex formula that factors things such as whether you are male or female, whether you are claim-free, and if your driving record is clean. South Dakota drivers pay on average $860 per year for Versa insurance, but that figure is a valuation rating a 30-year-old single female that has both comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a really good chance that you aren’t exactly 30 years old or even a female, you might be married instead of single, or you have a violation or two on your driving record. Changing even a minor factor in policy rating data can result in a massive change in the cost of insurance for a Nissan Versa.

Insurance is an individual thing, so your best chance at finding cheap insurance rates for your Nissan is to put in the effort and compare rates.

Compare Nissan Versa Insurance Rates

The trim level of your Nissan tends to impact the cost of coverage, so the rate you will pay to insure a Versa 1.6 SEDAN model will be $198 cheaper than the price to insure the more expensive Versa 1.8 SL SEDAN version, as shown by the rates below.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in your specific South Dakota location which can decrease or increase price quotes substantially.

Ratings for South Dakota insurance companies

Selecting a highly-rated auto insurance company can be a challenge considering how many different insurance companies sell coverage in South Dakota. The company information in the lists below may help you select which coverage providers you want to consider when shopping your coverage around.

These rankings only include companies that insure vehicles nationwide, so smaller companies are not taken into consideration for these rankings. To get price quotes from these top-rated insurers and more, follow this link.

Impact of violations and accidents on rates

The ideal way to find the best insurance premiums for a Versa is to drive cautiously and avoid accidents and traffic violations. The information below shows how speeding tickets and at-fault fender-benders can drive up insurance prices for different age groups of insureds. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

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In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $2,094. Factor in one speeding ticket and the average cost rises to $2,356, an increase of $263 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Nissan Versa increases to an average of $4,564. That’s an increase of $2,470, or $206 per month, just for being a little careless behind the wheel!

Discounts on the cheapest insurance for a Nissan Versa in South Dakota

Car insurance companies that offer coverage for a Nissan Versa may provide policy discounts that could reduce prices by as much as 35% or more if you qualify. A few of the larger companies and a selection of discounts are detailed below.

• Progressive may have discounts that include good student, continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
• Farmers Insurance discounts include pay in full, multi-car, teen driver, bundle discounts, business and professional, alternative fuel, and switch companies.
• Farm Bureau offers discounts for youthful driver, 55 and retired, multi-vehicle, good student, safe driver, and driver training.
• State Farm has savings for Steer Clear safe driver discount, passive restraint, multiple policy, driver’s education, safe vehicle, accident-free, and good driver.
• GEICO may include discounts for defensive driver, five-year accident-free, membership and employees, anti-lock brakes, multi-vehicle, and emergency military deployment.
• SAFECO policyholders can earn discounts including bundle discounts, multi-car, homeowner, accident prevention training, anti-lock brakes, and teen safe driver.
• Liberty Mutual offers discounts including preferred payment discount, exclusive group savings, safety features, new move discount, multi-car, and multi-policy.

The illustration below compares auto insurance costs with and without policy discounts. The rates are based on a female driver, no violations or claims, South Dakota state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, claim-free, accident-free, multiple vehicle, passive restraint, and anti-theft discounts applied. When drivers qualify for the discounts, the the amount saved on insurance for a Nissan Versa is 28% or $456.

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

When it comes to buying insurance for a Versa in South Dakota, the first places to look would be State Farm, Progressive, Allstate, and Geico. The data below breaks down some of the ratings and options that may be available in your state.