How Much is Auto Insurance for Drivers Under 21 in South Dakota?

One of the key components that aid in calculating the annual cost of car insurance is where your car is garaged in South Dakota. Areas with high crime rates or more dense population like Pine Ridge, Belle Fourche, and Hot Springs tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents generally have lower rates.

The information below lists the most costly cities in South Dakota for drivers under 21 to buy auto insurance in.

Information shown are estimated as the specific zip code location can alter price quotes substantially.

The car, truck, or SUV needing coverage is probably the biggest factor that determines whether or not you can buy cheap car insurance for drivers under 21 in South Dakota. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models. The information below presents car insurance prices for a number of the cheaper automobiles to insure in South Dakota.

Table data represents single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in your specific South Dakota location which can increase or decrease rates noticeably.

Data variables include single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in vehicle location which can increase or decrease rates greatly.

Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific South Dakota location which can raise or lower prices significantly.

Comparing rates for low-priced insurance is not most people’s favorite thing to do, and figuring out which company offers the cheapest insurance rates for drivers under 21 requires more quotes for comparison. Insurance prices will most likely be quite a bit higher than the average rate in South Dakota because of the potential for more claims that comes with selling insurance for minors, but reasonable coverage should be obtainable if you carefully shop around. Every insurance provider has a proprietary formula for setting prices, so to begin we’ll rank the most affordable insurance companies in South Dakota.

Keep in mind that South Dakota insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Simply turning a year older, adding a teenager to your policy, or having a fender bender can trigger price changes that may make certain companies cheaper in comparison to the competition.

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USAA quotes some of the most affordable car insurance rates in South Dakota at around $650 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also are some of the more affordable South Dakota auto insurance companies.

As shown above, if you are currently insured with Unitrin and switched to Auto-Owners, you may see an annual premium reduction of approxmiately $155. Drivers with Farmers might save as much as $189 a year, and Western National customers might reduce prices by as much as $190 a year.

It’s important to note that these policy prices are averaged for all drivers and vehicles in South Dakota and are not factoring in a rate surcharge for drivers under 21. So the auto insurance company that is best for you may not even be featured in the rate chart shown above. That point stresses why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Selecting the highest-rated insurance company can be rather challenging considering how many companies are available to choose from in South Dakota. The ranking data in the next section can help you decide which providers you want to consider when looking for cheaper rates. The rankings below are only comprised of companies with a national presence, so companies with more of a regional focus are not taken into consideration for this list.

Drive responsibly or pay higher rates

The easiest way to score cheap insurance prices in South Dakota for minors is to drive cautiously and not have accidents or get tickets. The illustration below shows how traffic citations and accident claims can impact insurance prices for each different age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

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The data in the chart shows the average cost of a car insurance policy in South Dakota per year with no accidents and a clean driving record is $954. Receive one speeding ticket and the average cost hikes up to $1,113, an increase of $159 each year. Now add two accidents along with the one speeding ticket and the annual cost of insurance for drivers under 21 jumps again to an average of $2,609. That’s an increase of $1,655, or $138 per month, just for not keeping your driving record clean!

Find cheap car insurance for drivers under 21 in South Dakota

Below you’ll find some of the recommended thrifty solutions that can help you get low-cost coverage.

• Raise your deductibles
• Do not pay for comprehensive and collision coverage on older vehicles
• Save money by bundling your home and auto policies
• Higher credit ratings may save you money
• Earn discounts for being claim-free
• Drive a car with a high safety rating
• Ensure you have the best deal by shopping around regularly

The last suggestion is extraordinarily significant, as we pointed out in the article above. Prices charged by car insurance companies change a lot, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money. Staying with the same car insurance company is fine, but it’s not a good idea if that devotedness results in you overpaying lots of money. In just a couple of minutes you could shop around and find cheaper auto insurance for drivers under 21.

Cheapest insurance quotes for minors

Drivers have a lot of different ways to find cheap insurance in South Dakota, but the most preferred ways are using a captive (or exclusive) agent like State Farm or Allstate, a non-exclusive or independent agent, or direct from companies such as Geico or Progressive.

All three ways can provide insurance quotes, but insurance shoppers should know the differences in how they function.

Independent insurance agents write for multiple companies and can do rate comparisons with every one. These types of agencies do not sell for just one brand and can quote rates with many companies, which may give you more bang for your buck. If your premiums go up, your agent can switch companies and you can remain with the same agent.

An agent who is captive is only able to place business with a single company, two examples are a Farmers or Allstate agent. Exclusive agencies are unable to compare rates from other companies, so if rates are high, they cannot give you alternative choices.

If you buy direct, you forego an exlusive or independent agent and instead shop buying direct from a company like Esurance or Progressive. Buying direct is good for people who do not have a complex risk profile and understand what coverage options they need.

When shopping for insurance, which way works best to buy cheap car insurance for drivers under 21 in South Dakota? We wish we could say buying direct saves money because there are no middleman commissions, but unfortunately, it’s not that simple. We could also say that going through an independent agent guarantees the cheapest rates since they can provide multiple quotes, but that idea is not necessarily true either. In some circumstances, exclusive agencies may have very competitive prices that cannot be beaten by either independent or direct companies.

Because of the variability of insurance rates, the guaranteed way to buy the cheapest policy is to compare rate quotes from as many companies as possible. Money-saving experts recommend you get rate quotes from all three in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.