How Much Does Auto Insurance Cost for High Risk Drivers in South Dakota?
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UPDATED: Nov 13, 2019
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You have probably watched the catchy advertisements from car insurance companies like State Farm, Nationwide, and Farmers that make promises of the cheapest rates, so drivers should just pick the company with the best ad, right?
Unfortunately, it’s not that simple as there are a lot of unknown aspects such as if you are a man or woman, whether or not your vehicle has good safety ratings, and if you own a home. We know insurance is not everyone’s favorite topic, but in this article we will cover the different scenarios that increase car insurance cost and should give you some help in finding cheaper rates.
The car, truck, or SUV to be insured is probably the largest consideration that determines whether or not you can buy cheap auto insurance for high risk drivers in South Dakota. Vehicles with higher performance characteristics, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.
The list below features insurance rates for the most affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$2,249|
|Honda CR-V LX 2WD||$2,272|
|Ford Escape Limited 4WD||$2,323|
|Chevrolet Traverse LS AWD||$2,332|
|Subaru Forester X Limited Edition AWD||$2,452|
|Ford F-150 XL Crew Cab 2WD||$2,574|
|GMC Sierra SLE Regular Cab 2WD||$2,584|
|Hyundai Santa Fe SE 2WD||$2,593|
|Chevrolet Equinox LS AWD||$2,584|
|Ford Fusion S 4-Dr Sedan||$2,664|
|Dodge Grand Caravan Hero||$2,674|
|Toyota RAV4 Limited 2WD||$2,664|
|Hyundai Tucson Limited 2WD||$2,690|
|Ford Explorer Eddie Bauer 4WD||$2,700|
|Toyota Camry XLE||$2,702|
|Hyundai Elantra GLS 4-Dr Sedan||$2,710|
|Subaru Outback 3.6R||$2,720|
|Toyota Sienna Limited||$2,727|
|Honda Civic LX-S 4-Dr Sedan||$2,761|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$2,780|
|Ford Edge Sport 2WD||$2,787|
|Toyota Corolla XLE||$2,807|
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Cost estimates assume single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.
Looking at the numbers, models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be a few of the most budget-friendly vehicles to insure for high risk drivers. The cost of a car insurance policy will tend to be higher just due to the fact that there is a higher risk for high risk drivers, but overall those specific models will have the lowest insurance prices possible.
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Figuring out which company quotes the cheapest auto insurance rates for high risk drivers will require a bit more work than just getting one or two price quotes. Every insurance company has a different process to determine premium rates, so we will examine the most budget-friendly auto insurance companies in South Dakota.
|Rank||Company||Cost Per Year|
|4||Farmers Mutual of Nebraska||$1,006|
|11||Farm Bureau Mutual||$1,272|
|16||National Farmers Union||$1,919|
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USAA may offer some of the best car insurance rates in South Dakota at around $650 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the more affordable South Dakota insurance companies.
As illustrated above, if you are a customer of Farmers Mutual of Nebraska and switched to USAA, you might see annual savings of approximately $356. South Dakota drivers with Unitrin might save as much as $383 a year, and Western National insureds might reduce rates by $428 a year.
Understand that those premiums are averages for all drivers and vehicles in South Dakota and do not factor in a price increase for high risk drivers. So the car insurance company that can offer the best rates for your situation may not even be in the rate chart shown above. That emphasizes why you need to get quotes using your own personal information and vehicle type.
Enter your zip code below to view companies that have cheap auto insurance rates.
When shopping for cheaper auto insurance for high risk drivers, one of the many things that control insurance cost is where you live in South Dakota. Larger areas like Pine Ridge, Hot Springs, and Belle Fourche are more likely to have higher rates, whereas areas that are not as densely populated have the luxury of lower rates.
The information below illustrates the most expensive areas in South Dakota for high risk drivers to buy auto insurance in.
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Rate quotes are comparative as the specific garaging location can modify prices noticeably.
The information below illustrates how your deductible choice can affect premium costs when getting quotes for cheap insurance for high risk drivers. The costs are based on a married female driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 50-year-old driver could lower their policy premium by $272 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $410 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices $672 annually by choosing larger deductibles on their policy. When increasing deductibles, it will be important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Auto insurance companies ranked
Picking the right insurer can be rather challenging considering how many companies provide coverage in South Dakota. The company information in the next section may help you select which car insurance companies you want to consider when buying insurance for high risk drivers.
These ratings are for companies with a nationwide focus, so smaller companies that only insure vehicles in South Dakota are not taken into consideration for these rankings. If you wish to compare prices 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
Why you should be shopping around
South Dakota auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Simply improving your credit, marrying your spouse, or getting a ticket for careless driving can trigger changes in premium that may make certain companies affordable when they were higher priced. Not only may things change on your end, but insurance companies file new South Dakota auto insurance rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher losses can cause higher prices, while a better loss history can cause lower-cost South Dakota car insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in South Dakota for a 30-year-old female driver with a good driving record, no prior claims, and a decent credit rating. If we compare prices based on her current situation, USAA has the best car insurance rates in South Dakota at $638 per year. This is $672 less than the average policy 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.
The next chart shows rates after we give the driver from the above example an at-fault accident, less-than-perfect credit, and a stop sign violation. Since each auto insurer has a unique formula for setting rates, comparing prices may now result in a substantially altered list of the cheapest car insurance companies in South Dakota as shown below.
Farmers now has the lowest price on auto insurance in South Dakota with Allied, Buckeye, Progressive, and Farm Bureau Mutual completing the list. This illustrates why it is critical to do a thorough rate comparison when trying to get the most economical car insurance quotes for high risk drivers.
Car insurance prices are determined by many things and change dramatically, so the cheapest company a year ago may now cost much more than other companies. Use our FREE quote tool to compare insurance rates now!
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