How Much are Insurance Quotes for a Toyota Camry in South Dakota?
Enter your South Dakota zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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Anytime the topic is car insurance, the word “cheap” should never appear anywhere in the article to describe car insurance rates. Excuse the oxymoron, but cheap car insurance for a Toyota Camry is just plain contradictory. But don’t let us ruin your dream, because we can show you some ways you can quote auto insurance that you can fit into your budget.
The odds of finding affordable coverage for a Toyota Camry in South Dakota hinges on a lot of rating factors like how old the Camry is, if you have ever let your coverage lapse, and if you have any chargeable driving offenses. Drivers pay on average $1,100 annually to buy insurance for a Toyota Camry, but that is a ballpark figure that rates a 40-year-old single female driver that wants full physical damage coverage and $100 deductibles.
There is a good probability you are not 40 and maybe not even a female, maybe you are married instead of single, or you have a violation or two on your driving record. Different coverage needs are the reason why your best chance at finding cheap insurance rates for your Toyota is to comparison shop your policy at each renewal. Quotes are free and easy and you can get rates from the best auto insurance companies around.
Your vehicle’s trim level tends to impact the coverage cost, so the rate you will pay to insure a Camry LE trim level will be $192 less than the price to insure the higher-priced Camry Hybrid version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in your specific South Dakota location which can change auto insurance rates greatly.
Ending up with the highest-rated auto insurance provider is difficult considering how many choices you have in South Dakota. The company ratings shown next can help you decide which auto insurers to look at comparing rates with.
The ratings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in South Dakota are not included in these rankings. To view rates from many more South Dakota auto insurance companies, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on cheap insurance for a Toyota Camry in South Dakota
Insurers that provide policies for a Toyota Camry may provide special discounts that could potentially reduce rates by 40% or more if you meet certain criteria. Large car insurance companies and their offered discounts are shown below.
|Discount||State Farm||Geico||Allstate||Progressive||Farmers||Liberty Mutual||Nationwide|
|Daytime running lights||Yes||Yes||No||No||Yes||No||No|
|Defensive driving course||Yes||Yes||Yes||Yes||Yes||No||Yes|
|Active duty military||Yes||Yes||No||Yes||Yes||No||No|
|Paid in full||No||Yes||Yes||Yes||Yes||Yes||Yes|
|Seat belt usage||No||Yes||No||No||No||No||No|
|Get quote online||No||No||No||Yes||No||No||No|
|Compare Rates Now Go|
The information below visualizes the comparison of auto insurance costs with and without discounts applied. The data is based on a female driver, no tickets, no at-fault accidents, South Dakota state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, vehicle safety, passive restraint, defensive driving course, marriage, and multiple policy discounts applied. With discounts applied, the average amount saved each year on car insurance for a Toyota Camry is 15% or $289.
Tickets and at-fault accidents raise rates
The recommended way to obtain the cheapest car insurance rates for a Camry is to be a good driver and avoid tickets and accidents. The example below illustrates how violations and at-fault fender-benders can increase car insurance costs for each different age category. The premiums are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $1,716. Receive two speeding tickets and the average cost increases to $2,373, an increase of $658 each year. Now include two accidents along with the two speeding tickets and the yearly cost of car insurance for a Toyota Camry increases to an average of $4,702. That’s an increase of $2,987, or $249 per month, just for not being a responsible driver!
The importance of shopping around for Camry insurance
South Dakota car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Simply having a birthday, getting married, or having an accident can produce rate changes resulting in some companies being more affordable than competitors. Not only may your situation change, but insurers modify rates as often as every quarter in order to offset underwriting gains or losses. Larger than normal claims may cause rate increases, while a better claims history can produce lower-priced Camry insurance rates.
For instance, the data below demonstrates which company has the cheapest car insurance in South Dakota for a 30-year-old male driver with a good driving record, no prior claims, and solid credit. Based on his current situation, USAA might offer the lowest car insurance rates in South Dakota at $657 a year. This is $653 less than the average premium paid by South Dakota drivers of $1,310. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin are also on the list of the top five cheapest South Dakota auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable claim, less-than-perfect credit, and a traffic ticket or two. Because every insurance company uses a different method to establish rates, comparing prices could result in a new list of affordable South Dakota car insurance companies as shown below.
Farmers now has the cheapest price in South Dakota with Allied, Buckeye, Farm Bureau Mutual, and Progressive now rounding out the top five. This shows why consumers need to take the time to perform an extensive rate comparison to get the best auto insurance rates for a Toyota Camry. Auto insurance prices are impacted by many different factors and can change without notice, so the best company when you bought your policy may now be one of the more expensive options.
Best cheap Toyota Camry insurance quotes
You have a lot of ways to shop for and buy car insurance in South Dakota, but the three most common are through an exclusive agency like Allstate or Auto-Owners, an independent insurance agent, or from a direct company like Geico.
Each way is similar, but each is slightly different in how they give price quotes.
Independent agencies are appointed by several companies and can do rate comparisons with each one. These types of agents are not limited to a single company and can quote rates with many companies, which may give you more bang for your buck. If you are not satisfied with one company, they can switch companies in-house which prevents you from having to find an new insurance agent.
An exlusive, or captive, agency is ‘exlusive’ to a single insurance company, two popular examples being State Farm and Auto-Owners agents. Exclusive agents cannot compare rates from other companies, so you need to shop around if the rates are high.
Drivers who opt to buy car insurance direct bypass an exlusive or independent agent and instead shop buying direct from a company like Esurance or Progressive. This car insurance option can be good for families who have fewer assets and have some degree of understanding of what coverages they need.
What is the best way for finding cheap insurance for a Toyota Camry in South Dakota? The obvious answer would be buying direct results in the cheapest price since there isn’t an agent involved, but that does not always hold true. It would also be easy to say buying car insurance from an independent agent is the best way due to increased selection, but that is not necessarily true either. In the right set of circumstances, exclusive agents have very competitive rates that are the cheapest.
Due to the fact that car insurance rates vary so much, the guaranteed way to ensure you are not overpaying is to get quotes and compare. The ideal approach is to get price quotes from all three to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.
How to find more affordable insurance for a Toyota Camry
Lowering your rates is not difficult, and here are some thrifty solutions that can help drivers quote lower-cost coverage.
- Clean up your credit rating
- Buy a safer vehicle
- Bundle home and auto and save
- Drop full coverage on older vehicles
- Accidents can significantly increase rates
- Comparison shop at least once a year
That last piece of advice is certainly necessary, as we hit on in this piece. Auto insurance rates can be adjusted at any time, so don’t be tentative to buy a different policy if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if it’s costing you several hundred dollars every year. Now is a great time to shop around to find cheaper auto insurance for a Toyota Camry.
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