How Much Does Insurance Cost for a Honda Accord in South Dakota?
Enter your South Dakota zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Our editors have a joke that when writing about auto insurance, the words “affordable” or “cheap” should never appear anywhere in the article. Please forgive the oxymoron, but cheap car insurance for a Honda Accord just does not exist. Don’t let that bother you, though, because we are going to show you some ways you can still get coverage that is cheaper than what you are paying now.
Finding cheap coverage for a Honda Accord in South Dakota is contingent on lots of different factors like your age, your credit rating, and any prior driving citations you have received. South Dakota drivers pay an average of $800 per year to insure their Accord, but that rate is an estimation using rating data for a 40-year-old single female driver who requires comprehensive and collision coverage and $1,000 physical damage deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a female, married instead of single, or maybe you’ve had an at-fault accident or two. Having the smallest difference in the rating input factors can cause big differences in the price of coverage.
The different assumptions illustrate why the most reliable method for finding the cheapest insurance price for your Honda is to do the rate comparisons yourself. Quotes are free and you will get price quotes from some of the most affordable companies around.
The trim level of your vehicle will likely have an effect on the cost of insurance, so the cost to insure a Accord LX 4-Dr Sedan model will cost $278 less than the price to insure the more well-appointed Accord EX-L 2-Dr Coupe version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$118||$224||$326||$20||$98||$786||$66|
|Accord EX 4-Dr Sedan||$118||$224||$326||$20||$98||$786||$66|
|Accord LX-P 4-Dr Sedan||$118||$224||$326||$20||$98||$786||$66|
|Accord EX-L 4-Dr Sedan||$136||$272||$326||$20||$98||$852||$71|
|Accord EX 2-Dr Coupe||$136||$322||$434||$26||$130||$1,048||$87|
|Accord LX-S 2-Dr Coupe||$136||$322||$434||$26||$130||$1,048||$87|
|Accord EX-L 2-Dr Coupe||$152||$322||$434||$26||$130||$1,064||$89|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific garaging location which can lower or raise prices substantially.
Finding decent, low-priced auto insurance is easier said than done, and determining which company has the cheapest car insurance rates for a Honda Accord involves even more shopping around. Every car insurance company uses slightly different criteria for setting prices, so to begin we’ll rank the overall cheapest car insurance companies in South Dakota.
It’s important to know that South Dakota car insurance rates are calculated based on many things which can substantially change the price of coverage. That is why consumers need to take the time to shop around when trying to get the most economical car insurance rates for a Honda Accord. Prices are made up of many things and can increase or decrease at any time, so the most affordable company six months ago may now be quite expensive.
USAA may have some of the lowest car insurance rates in South Dakota at around $631 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National also qualify as some of the cheapest South Dakota insurance companies.
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As illustrated above, if you currently have a policy with Farmers Mutual of Nebraska and switched to Auto-Owners, you could see an annual premium reduction of upwards of $99. Drivers with Western National may save as much as $171 a year, and Unitrin customers might reduce rates by $178 a year.
Understand that those premium estimates are averages for all types of insureds and vehicles and do not take into consideration a specific rate factor for a Honda Accord. So the insurer that can offer you the best price may not even be shown in the rate chart shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Enter your zip code below to view companies that have cheap auto insurance rates.
How to get discounts on South Dakota car insurance rates
Insurance providers that sell cheap insurance for a Honda Accord in South Dakota may additionally offer rate discounts that can lower rates by as much as 25% or more if you are eligible. Larger car insurance companies and the discounts they provide are included below.
- 21st Century may have discounts that include good student, student driver, teen driver, anti-lock brakes, and homeowners.
- Progressive may offer discounts for online quote discount, multi-policy, online signing, continuous coverage, homeowner, and good student.
- State Farm may include discounts for accident-free, student away at school, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, good driver, and safe vehicle.
- Nationwide offers discounts for anti-theft, Farm Bureau membership, easy pay, accident-free, business or organization, defensive driving, and multi-policy.
- Esurance includes discounts for multi-policy, Pac-12 alumni, safety device, anti-theft, homeowner, emergency road assistance, and anti-lock brakes.
- The Hartford has savings for air bag, bundle, good student, anti-theft, defensive driver, and vehicle fuel type.
The example below illustrates the comparison of insurance rates with and without discounts. The costs are based on a female driver, a clean driving record, no claims, South Dakota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, safe-driver, vehicle safety, multiple vehicle, anti-theft, and homeowner discounts applied. When discounts are applied, the average yearly reduction on car insurance for a Honda Accord is 28% or $547.
The example below demonstrates how deductible levels can change premium costs when researching cheap insurance for a Honda Accord. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could reduce rates by $200 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $304 by changing to a $1,000 deductible. Even younger drivers, like the age 20 example, have the ability to save up to $498 or more by using higher deductibles when buying full coverage. When raising deductibles, it is essential to have additional funds in a savings account to satisfy the extra out-of-pocket expense that comes with higher deductibles.
Impact of violations and accidents on rates in South Dakota
One of the best ways to enjoy cheap car insurance prices for an Accord is to drive safe and avoid accidents and traffic citations. The illustration below shows how traffic citations and at-fault claims raise premium costs for different insured age categories. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of car insurance in South Dakota per year with a clean driving record and no accidents is $1,553. Get two speeding tickets and the average cost rises to $2,054, an increase of $502 each year. Then include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Honda Accord increases to an average of $2,555. That’s an increase of $1,002, or $84 per month, just for not being attentive to the road!
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