Who Has Cheap Car Insurance Quotes After a Speeding Ticket in South Dakota?

Locating low-cost insurance is difficult, and deciding which company has the lowest-priced insurance rates after a speeding ticket requires even more diligence. Every insurance company has their own guidelines for setting rates, so let’s begin by taking a look at the insurance companies with the most affordable rates in South Dakota.

Cheapest Insurance Rates with Licence Points

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USAA offers some of the best car insurance rates in South Dakota at around $650 each year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Unitrin also rank well as some of the lowest-priced South Dakota auto insurance companies.

As shown in the table above, if you are a customer of State Farm and switched to Auto-Owners, you could see savings of in the vicinity of $109. Policyholders with Unitrin may save as much as $145 a year, and Farmers insureds might reduce rates by $178 a year.

To find cheap car insurance after a speeding ticket in South Dakota for your vehicle, click here to start a quote or visit any of the companies below.

These policy rates are averaged across all drivers and vehicles and and are not calculated with a rate discount after a speeding ticket. So the car insurance company that fits your situation best may not even be featured in the list above. That illustrates why you need to get rate quotes using your own specific driver and vehicle information.

The car, truck, or SUV you are trying to insure is one of the main factors when consumers are trying to find cheap auto insurance after a speeding ticket. Vehicles with reasonable performance levels, good safety features, or low incidents of liability claims will cost substantially less to insure than high performance models.

The next list showcases coverage rates for the most affordable automobiles to insure in South Dakota.

Price data assumes married female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can modify rates noticeably.

Looking at the data, models like the Honda CR-V, Toyota Prius, Chevrolet Traverse, Ford Escape, and Hyundai Tucson are a few of the most budget-friendly vehicles to insure after a few driving violations.

Ending up with a good quality insurance provider is difficult considering how many different companies insure vehicles in South Dakota. The company information displayed below can help you pick which companies you want to consider when trying to find the cheapest insurance after a speeding ticket. These rankings are only comprised of companies with a national presence, so companies without a large exposure are not taken into consideration for this list.

Top 10 Major Auto Insurers in South Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

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

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

How accidents and tickets impact rates

The easiest way to earn the best insurance prices in South Dakota after a few driving violations is to be a cautious driver and avoid accidents and keep your driving record clean. The illustration below illustrates how speeding tickets and at-fault fender-benders impact yearly insurance costs for each age group. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

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In the chart above, the average cost of auto insurance in South Dakota per year with no violations or accidents is $2,306. Add in one speeding ticket and the average cost hikes up to $2,596, an increase of $289 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance after a speeding ticket goes up to an average of $5,030. That’s an increase of $2,724, or $227 per month, just for not maintaining a clean driving record!

Find cheap car insurance after a speeding ticket in South Dakota

The list below summarizes some penny-pinching suggestions that can help drivers buy more affordable car insurance.

• Buy vehicles with five-star safety ratings
• Earn discounts for being claim-free
• Do not get traffic violations
• Prevent price hikes by avoiding at-fault accidents
• Buying home and auto together can help save money
• Ensure you have the best deal by shopping around regularly

The last idea is notably necessary, as we stressed in the article above. Auto insurance prices in South Dakota can be changed at any time, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper price is available. Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying money that could be going to better use. Take a few minutes and compare prices to find cheaper car insurance after a speeding ticket.