Cheapest Car Insurance Quotes for Lyft Drivers in South Dakota

Cheapest Car Insurance Quotes for Lyft Drivers in South Dakota

Shopping around for reasonably-priced auto insurance is challenging, and deciding which companies have the best car insurance rates for Lyft drivers involves even more work. Every car insurance company has a proprietary method to determine premium rates, so let’s take a look at the lowest cost car insurance companies in South Dakota.

It’s a good idea to be aware that South Dakota car insurance rates are impacted by many factors that control the price you have to pay. Price variation is why consumers need to take the time to perform a complete rate comparison when trying to find the most affordable car insurance quotes for Lyft drivers. Auto insurance prices are calculated by many factors and can change without notice, so the best company the last time you compared rates may now be one of the more expensive options.

Find Cheaper Car Insurance for Your Lyft Vehicle

Compare Rates Now

What’s the cheapest car insurance in South Dakota?
Rank Company Cost Per Year
1 USAA $650
2 Auto-Owners $897
3 State Farm $977
4 Unitrin $1,033
5 Farmers Mutual of Nebraska $1,036
6 Western National $1,046
7 Farmers $1,077
8 Allied $1,143
9 Buckeye $1,144
10 Farm Bureau Mutual $1,259
11 Progressive $1,280
12 American Family $1,422
13 GEICO $1,617
14 North Star $1,630
15 Allstate $1,647
16 National Farmers Union $1,843
17 Safeco $2,454
View More Rates Go

USAA may have some of the lowest car insurance rates in South Dakota at around $650 annually. Auto-Owners, State Farm, Unitrin, and Farmers Mutual of Nebraska also are some of the most economical South Dakota auto insurance companies.

In the rate table above, if you have coverage with Farmers Mutual of Nebraska and switched to Auto-Owners, you could realize a yearly price reduction of roughly $139. South Dakota drivers with Western National might save as much as $149 a year, and Farmers customers might see rate reductions of $180 a year.

To get a quick, customized rate comparison, click here to get a free quote or click through to the companies below.

Understand that those policy rates are averages for all drivers and vehicles in South Dakota and do not take into consideration a price decrease for Lyft drivers. So the insurer that fits you best may not even be shown in the company chart above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.

When shopping for auto insurance for Lyft vehicles, one of the many things that impact the cost of insurance is the neighborhood you call home in South Dakota. Densely populated urban areas like Pine Ridge, Lead, and Sturgis tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of the cheapest auto insurance for Lyft drivers in South Dakota.

The following table sorts the most expensive places in South Dakota for Lyft drivers in which to purchase auto insurance.

How much does car insurance cost in South Dakota?
Rank City Annual Premium
1 Pine Ridge $1,415
2 Hot Springs $1,278
3 Lead $1,273
4 Belle Fourche $1,263
5 Sturgis $1,237
6 Mobridge $1,227
7 Spearfish $1,225
8 Rapid Valley $1,211
9 Rapid City $1,181
10 Box Elder $1,169
11 Pierre $1,157
12 Yankton $1,109
13 Milbank $1,054
14 Vermillion $1,051
15 Huron $1,040
16 Harrisburg $1,033
17 Dell Rapids $1,033
18 Mitchell $1,026
19 Sioux Falls $1,025
20 Tea $1,023
Find Cheaper Insurance Go

Rates are estimated as vehicle location can lower or raise rates substantially.

The vehicle driven is one of the largest factors that determines whether or not you can buy the cheapest auto insurance for Lyft drivers in South Dakota. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The next table illustrates coverage premiums for a number of the more afforable automobiles to insure in South Dakota.

Cheapest Auto Insurance Rates for Lyft Drivers in South Dakota
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $681
Toyota Prius $766
Chevrolet Traverse LTZ AWD $772
Dodge Grand Caravan Hero $810
Hyundai Tucson Limited 2WD $818
Hyundai Elantra Blue 4-Dr Sedan $838
Toyota Camry XLE $857
Kia Optima LX $859
Honda CR-V EX-L 2WD $863
Kia Forte EX 4-Dr Sedan $870
Chevrolet Malibu LTZ $875
GMC Sierra SLT Extended Cab 2WD $883
Subaru Forester X AWD $877
Ford Edge Limited 2WD $903
Honda Odyssey LX $912
Toyota Sienna LE $924
Chevrolet Silverado LTZ Crew Cab 2WD $929
Start a Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific location information which can affect premiums significantly.

Based upon the rates shown, vehicles like the Ford Escape, Toyota Prius, and Chevrolet Traverse will be a few of the cheaper vehicles to insure for Lyft vehicles.

Discounts on the cheapest auto insurance for Lyft drivers in South Dakota

Car insurance for Lyft vehicles in South DakotaCar insurance companies that offer cheap quotes for Lyft drivers may additionally offer special discounts that can reduce rates by as much as 40% or more if you qualify. Popular car insurance companies and a partial list of their discounts can be read below.

Car Insurance Discounts Available
Discount State Farm Geico Allstate Progressive Farmers
Multi-policy Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No No
Air bags Yes Yes Yes No Yes
Newer vehicle Yes No Yes No Yes
Eco vehicle No No Yes No Yes
Accident-free Yes Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes Yes
Military Yes Yes No Yes Yes
Professional affiliation No Yes No No Yes
Pay in full No Yes Yes Yes Yes
Email statements No Yes Yes Yes Yes
Brand loyalty Yes No No Yes Yes
Early sign-up No No Yes No Yes
Good grades Yes Yes Yes Yes Yes
Distant student Yes No Yes Yes Yes
Own your home No No No Yes Yes
Seat belt usage No Yes No No No
Get quote online No No No Yes No
Compare Rates Now Go

The chart below shows the comparison of car insurance rates with and without policy discounts. The premiums are based on a female driver, no claims or driving citations, South Dakota state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, claim-free, marriage, vehicle safety, homeowner, and accident-free discounts applied. When discounts are applied, the the average yearly reduction on car insurance for Lyft drivers is % or $.

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

If you’re looking for the cheapest auto insurance for Lyft vehicles in South Dakota, the first places to look would be State Farm, Progressive, Geico, and Allstate. Between them, they make up almost half of the entire U.S. car insurance market. The data below rates some of the different options and features you can expect with each one.

Comparison of Top Four U.S. Auto Insurance Companies
State Farm Progressive Geico Allstate
Claims Service 2nd 4th 3rd 1st
Price Overall 2nd 3rd 1st 4th
Client Satisfaction 4th 3rd 1st 2nd
Number of Discounts 3rd 4th 2nd 1st
Customers who recommend 88% 88% 87% 86%
Uber and Lyft insurance Yes Yes Yes Yes
Rate for vehicle usage Yes Yes No Yes
Mechnical breakdown No Yes Yes No
Accident forgiveness No Yes Yes Yes
New car replacement No No No Yes
Emergency roadside assistance Yes Yes Yes Yes
Available in South Dakota Yes Yes Yes Yes
Types of agents used Can only buy from State Farm agents Buy online or from an independent agent From a Geico agent or online Allstate-only agents
Number of agents 18,000+ 30,000+ 150+ 11,000+
Compare Rates Go

How to find budget-friendly auto insurance for Lyft drivers

Here are a few thrifty suggestions that can help drivers locate more affordable coverage.

  • Higher deductibles mean lower rates
  • Serious violations like DUI or reckless driving can increase rates dramatically
  • Avoid accidents and claims
  • Good credit scores may lower your rates
  • Don’t have frequent claims
  • Save money by insuring your home and auto with the same company
  • Compare prices as often as possible

The last suggestion is especially crucial, as we noted in the prior article. Coverage prices in South Dakota fluctuate constantly, so don’t be hesitant to buy a different policy if you can find a cheaper rate.

Having brand loyalty is commendable, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. Take a few minutes and shop around and find cheaper insurance for Lyft drivers.