Who Has the Cheapest Car Insurance Quotes for 16 Year Olds in South Dakota?

Everyone has different tastes in autos, and the style of vehicle requiring coverage is probably the largest consideration that determines if you can find the cheapest car insurance for 16 year olds in South Dakota. Vehicles with average performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.

The lists below presents insurance premiums for the more afforable automobiles to buy coverage for.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in vehicle location which can impact premiums considerably.

Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in vehicle location which can change auto insurance rates greatly.

Data based on single male driver age 16, 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 vehicle garaging location which can lower or raise premium rates significantly.

Shopping around for cost effective insurance is not the easiest thing to do, and figuring out which company quotes the cheapest car insurance rates for 16 year olds involves more quotes for comparison. Coverage prices will more than likely be quite a bit pricier than the average policy in South Dakota, with the increase attributed to the posibility of more claims that comes with selling coverage for new drivers, but economical coverage should be possible if you compare enough rates. Each auto insurer has a unique formula to set premium rates, so we’ll go over the car insurance companies with the most affordable rates in South Dakota.

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USAA generally has some of the lowest car insurance rates in South Dakota at around $631 annually. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Unitrin also are some of the more affordable South Dakota insurance companies.

As shown in the table above, if you are currently insured with State Farm and switched to Auto-Owners, you might realize savings of approxmiately $82. Policyholders with Unitrin could save as much as $118 a year, and Western National customers might cut rates by $153 a year.

These premium estimates are averaged for all types of insureds and vehicles and do not factor in a rate surcharge for 16 year olds. So the insurer that is best for you may not even be featured in the list of companies above. That helps illustrate why you need to get rate quotes using your own personalized driver profile and vehicle information.

For new drivers, one of the big criteria used to determine insurance cost is where your car is garaged in South Dakota. More populated areas like Pine Ridge, Spearfish, and Mobridge tend to pay more, whereas areas with less congestion benefit from lower prices.

The next table illustrates the more expensive cities in South Dakota for 16 year olds to purchase a policy in.

Premium amounts are estimated as the specific area where the vehicle is garaged can modify price quotes significantly.

Responsible drivers pay cheaper South Dakota car insurance rates

The easiest method to score the cheapest car insurance for 16 year olds in South Dakota is to drive safe and avoid accidents and keep your driving record clean. The example below highlights how speeding tickets and accidents can raise insurance premiums for different age groups. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

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The data charted above shows the average cost of auto insurance in South Dakota per year with no accidents and a clean driving record is $1,187. Factor in one speeding ticket and the average cost jumps to $1,346, an increase of $158 each year. Then include one accident along with the one speeding ticket and the annual cost of car insurance for 16 year olds jumps again to an average of $1,784. That’s an increase of $597, or $50 per month, just for not driving attentively!

Picking the right auto insurance provider is difficult considering how many different companies insure vehicles in South Dakota. The company rank data in the lists below can help you pick which providers you want to consider putting your business with. These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not included in this list.

How to find budget-friendly insurance for 16 year olds

The list below details many penny-pinching suggestions that can help South Dakota drivers locate low-cost coverage.

• Having too many claims will increase rates substantially
• Good credit can save money
• Buy a vehicle with excellent safety ratings
• Higher deductibles mean lower rates
• Save money by bundling your home and auto policies
• Drop full coverage on older vehicles
• Compare rates often to find the best deal

The last idea is remarkably critical, as we hit on in this article. Car insurance prices can be changed at any time, so you should be ready to switch companies if a better rate can be found.

Having brand loyalty is commendable, but we do not recommend it if that stubbornness costs you lots of hard earned cash every month. In just a couple of minutes you could compare prices to find cheaper auto insurance for 16 year olds.