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How Much Does Insurance Cost for a Toyota Corolla in South Dakota?

Enter your South Dakota zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 11, 2019

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The chances of buying cheaper coverage for a Toyota Corolla in South Dakota hinges on many rating factors such as whether you are a new or experienced driver, your claims history, and any driving offenses on your record. South Dakota drivers on average will pay $790 annually for Corolla insurance, but that figure is a valuation using cost data for a 40-year-old single female driver that included full coverage including both comprehensive and collision and $1,000 policy deductibles.

It’s more than likely you are not a 40-year-old female, you might be married instead of single, and there is a good chance that there are other drivers on your policy. There is no perfect policy for every driver, so the best way to quote affordable rates for your Toyota is to take your time and compare rates from as many companies as possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

The trim level of your vehicle tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Corolla LE trim level will be $16 lower than the insurance cost for the high end Corolla XRS trim level, as shown in the table below.

Toyota Corolla Insurance Rates in South Dakota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $136 $322 $384 $22 $114 $978 $82
Corolla S $136 $322 $384 $22 $114 $978 $82
Corolla XLE $136 $322 $384 $22 $114 $978 $82
Corolla XRS $152 $322 $384 $22 $114 $994 $83
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can revise insurance rates considerably.

Ending up with the best insurance company is difficult considering how many different companies insure vehicles in South Dakota. The rank data shown next could help you analyze which car insurance providers you want to consider when buying insurance for a Toyota Corolla. The rankings below only include the largest companies in America, so companies that only write business in South Dakota or surrounding areas will not be included in these rankings.

Top 10 Major Auto Insurance Companies Overall in South Dakota

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. American Family
  10. Allstate

Top 10 Major Auto Insurance Companies in South Dakota Ranked by A.M. Best Rating

  1. USAA – A++
  2. GEICO – A++
  3. State Farm – A++
  4. Allstate – A+
  5. Progressive – A+
  6. Esurance – A+
  7. Nationwide – A+
  8. The Hartford – A+
  9. The General – A-
  10. Safeco Insurance – A

Top Companies for Toyota Corolla Insurance in South Dakota

Enter your zip code below to view companies that have cheap auto insurance rates.

Bad driving habits will cost you more

The recommended way to score cheap insurance for a Toyota Corolla in South Dakota is to be a cautious driver and have a clean driving record. The chart below highlights how speeding tickets and at-fault accidents impact insurance costs for different ages of insureds. Data assumes a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the example above, the average cost of a car insurance policy in South Dakota per year with no violations or accidents is $1,661. Add in one speeding ticket and the average cost increases to $1,931, an increase of $270 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Toyota Corolla increases to an average of $2,713. That’s an increase of $1,052, or $88 per month, just for not driving carefully!

The chart below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for a Toyota Corolla. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $306 a year by switching from a $100 deductible to a $500 deductible, or save $462 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could save up to $934 every year by using a higher deductible.

When raising deductibles, it’s a good idea to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to get cheap insurance for a Toyota Corolla in South Dakota

It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help South Dakota drivers buy cheaper car insurance.

  • Buy a safer vehicle
  • Good credit can save money
  • Full coverage may not be needed on older vehicles
  • Higher deductibles save money
  • Ensure your driving record is clean
  • Remain accident-free and save
  • Shop around for cheaper prices

The last suggestion is especially valuable, as we stressed in the article above. Car insurance prices go up and down frequently, so don’t be afraid to buy from a different company if a lower-cost policy is available.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that stubbornness costs you thousands of dollars over several years. Now is a great time to shop around and find cheaper auto insurance for a Toyota Corolla.

Best cheap Toyota Corolla insurance quotes

There are quite a few ways to shop around for car insurance in South Dakota, but the most prevalent ways are from an independent insurance agent, an exclusive agency such as Liberty Mutual or State Farm, or direct either online or via phone. Each way has the same basic process, but they are slightly different in how they price policies.

Independent agencies work for many companies and can compare rates with each one. They are able to provide multiple price quotes, which may give you a better chance of finding cheaper coverage. If a cheaper rate is found, it’s easy for the agent to move the policy and you stay with the same agent.

A captive, or exclusive, agent is only able to give rates for one company, two popular examples being Allstate and Liberty Mutual agents. Exclusive agents cannot compare rates from other companies, so you will not be able to compare multiple prices.

The last way is buying direct, which means you bypass a local insurance agent and instead buy buying direct from a company like Progressive or Esurance. Buying direct can be good for families who have lower risk management needs and understand the limitations of car insurance.

Which method works best to find cheap insurance for a Toyota Corolla in South Dakota? It would be easy to say buying from a direct car insurance company results in the cheapest rates because there isn’t an agent involved, but unfortunately, that is not always true. We could also assume that going through an independent agent guarantees the cheapest rates due to more options, but that assumption is also not necessarily accurate. In the right set of circumstances, the exclusive agents have price quotes that independents and direct companies can’t touch.

Because there is so much variation in car insurance prices, the one way to buy the cheapest coverage is to compare rate quotes from as many companies as possible. The best approach is to get rate quotes from independent agents, exclusive agents, and direct companies in order to have the best selection to choose from. To see some of the cheapest online companies available, click here to view.

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