Cheapest Insurance for a Hyundai Elantra in South Dakota

Your ability to find cheap car insurance for a Hyundai Elantra in South Dakota depends on many different factors such as the safety rating of your vehicle, where your vehicle is garaged, and violations on your driving record. Drivers in South Dakota pay on average $820 each year to insure a Hyundai Elantra, but that is an estimation calculated based on a 40-year-old married female driver that wants full physical damage coverage and $250 physical damage deductibles.

It’s highly likely that you are not exactly 40 years old and possibly not even female, possibly single instead of married, and maybe your Elantra just needs liability-only coverage. Auto insurance requires individual risk assessment, so your best chance at finding cheap insurance rates for your Hyundai is to get into the habit of comparing rates once a year. In just a few minutes you can get prices from some of the cheapest companies that sell coverage in South Dakota.

Cheapest Hyundai Elantra Insurance Rates

The trim level of your Elantra will influence the cost of coverage, so the cost to insure a Elantra GLS Touring Station Wagon trim level will be $92 less than the insurance cost for the higher-end Elantra SE Touring Station Wagon trim level, as shown in the chart below.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in your specific South Dakota location which can affect premiums significantly.

Which insurance company is best in South Dakota?

Finding the highest-rated auto insurance provider is difficult considering how many companies provide coverage in South Dakota. The company rank data in the lists below can help you decide which car insurance companies you want to consider purchasing coverage from. The rankings below only include companies that write coverage in many states, so smaller regional companies are not included in this list.

Top 10 Large Car Insurance Companies in South Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. Nationwide – 88%
4. American Family – 88%
5. State Farm – 88%
6. Farmers Insurance – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Large Car Insurance Companies in South Dakota Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top Companies for Hyundai Elantra Insurance in South Dakota

Careless drivers pay higher rates

The easiest way to obtain affordable insurance prices in South Dakota for an Elantra is to drive cautiously and avoid accidents and traffic violations. The information below shows how speeding tickets and accidents can influence auto insurance rates for each age group. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

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In the previous chart, the average cost of auto insurance per year with a clean driving record and no accidents is $1,293. Get two speeding tickets and the average cost increases to $1,778, an increase of $485 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Hyundai Elantra increases to an average of $3,781. That’s an increase of $2,488, or $207 per month, just for not driving attentively!

How to find low-cost insurance for a Hyundai Elantra

The list below details many penny-pinching suggestions that can help you find lower-cost auto insurance.

• Bundle home and auto and earn a discount
• Avoid preventable accidents
• Maintaining good credit helps earn cheaper rates
• Earn a discount by not filing claims
• Higher deductibles save money
• Save money by obeying traffic laws and keeping a clean driving record
• Compare rates once a year for cheaper prices

The last tip is extraordinarily valuable, as we stressed in this write-up. Insurance prices in South Dakota adjust often, so don’t be tentative to switch to a new company if a more affordable rate is found. Loyalty to a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over several years. In just a couple of minutes you could compare rates to find cheaper auto insurance for a Hyundai Elantra.

Who has the cheapest Hyundai Elantra insurance quotes?

There are a variety of different ways to compare insurance prices in South Dakota, but the most prevalent ways are from a captive (or exclusive) agent like Allstate or Auto-Owners, an independent agent, or from a direct company like Geico.

Each way has the same basic process, but buyers need to know the differences in how they price policies.

Independent agents are appointed by several companies and can provide price quotes from each one. These agents are not employed by only one company and can compare multiple rates, which can give you a better comparison. If a cheaper price is found, your policy is moved internally and you don’t have to do anything.

An exlusive, or captive, agency is restricted to one insurance company, two popular examples being Allstate and Liberty Mutual agents. They are unable to shop your coverage around, so it’s a take it or leave it situation.

The third popular method of shopping for insurance is direct, which means you skip local agents and instead buy direct online or over the phone from a company like Progressive or Geico. Buying insurance direct can be good for drivers who do not need risk management and have a good understanding of what insurance covers.

So which one of the three ways works best to buy the cheapest insurance for a Hyundai Elantra in South Dakota? The obvious answer would be buying from a direct company yields the cheapest rates since there is no middleman, but in reality, that is not the case. It could also be said an independent agency saves the most money since they can provide multiple quotes, but again, it’s not necessarily true. For the right applicant, exclusive agents have price quotes that are the lowest in South Dakota.

Because there is so much variation in insurance prices, really the only way to get the cheapest rates is to do a thorough rate comparison. Take some time and get quotes from all three to give yourself the best selection. For a list of companies with online discounts, click here to view.