Cheap Insurance Quotes for a Honda Accord in South Dakota

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” really should not be used as a descriptor for auto insurance rates. Unfortunately, cheap auto insurance for a Honda Accord is pretty hard to find. But don’t despair, because there may be ways you can find coverage that is more affordable than your current policy.

Buying the best cheap auto insurance for a Honda Accord in South Dakota depends upon a whole bunch of rating criteria such as your gender, if you have ever let your coverage lapse, and driving violations and tickets. Drivers in South Dakota pay around $800 per year for Accord insurance, but that rate is an estimation using a 40-year-old single female that included full comprehensive and collision coverage and $1,000 policy deductibles.

Odds are that you are not 40 years old and maybe not even female, married instead of single, or you want lower deductibles. Each driver’s needs are different, and that demonstrates why the only real way to find cheap car insurance rates for your Honda is to comparison shop your policy at each renewal. Comparing quotes is easy and you will be able to compare rates from some of the cheapest companies that sell coverage in South Dakota.

View Honda Accord Insurance Rates

The trim level of your Accord will have an impact the cost of insurance, so the rate you pay to insure a Accord LX 4-Dr Sedan model will be $278 cheaper than the cost to insure the more well-appointed Accord EX-L 2-Dr Coupe model, as demonstrated by the prices below.

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 claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in vehicle location which can impact insurance rates significantly.

How to find a good South Dakota car insurance company

Ending up with the best insurance company is difficult considering how many companies are available to choose from in South Dakota. The ranking information displayed below can help you decide which car insurance providers to look at when comparing rate quotes.

The ratings below include companies who write in the majority of U.S. states, so companies that may only write in South Dakota will not be included in this list. If you’d like to compare prices from these and other companies in South Dakota, click here.

Driving violations and accidents

The common sense way to get affordable car insurance rates in South Dakota for an Accord is to drive attentively and not have accidents or get tickets. The chart below demonstrates how citations and at-fault fender-benders can affect car insurance rates for different age groups of insureds. The information is based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

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In the example above, the average cost of auto insurance per year with no violations or accidents is $1,326. Factor in two speeding tickets and the average cost jumps to $1,885, an increase of $560 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Honda Accord increases to an average of $3,860. That’s an increase of $2,534, or $211 per month, just for not keeping your driving record clean!

Full coverage rates compared to liability only

Finding cheap insurance for a Honda Accord in South Dakota is important to most people, and an easy way to lower the cost of insurance is to buy liability only. The illustration below visualizes the comparison of auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in South Dakota. The costs are based on no violations or claims, $250 deductibles, drivers are single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2643,897],[‘Age 30’, 1389,495],[‘Age 40’, 1367,459],[‘Age 50’, 1247,431],[‘Age 60’, 1205,423],[‘Age 70’, 1465,563]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in South Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

On average, physical damage coverage costs an extra $1,553 per year more than buying just liability insurance. Many of you may wonder if you should buy full coverage at all. There isn’t a written rule to exclude physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $7,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,500 after paying the physical damage deductible. If premiums are more than $650 a year for your policy with full coverage, then it could be time to drop full coverage.

Is the best company Progressive, State Farm, Geico, or Allstate?

When shopping around for insurance for an Accord in South Dakota, the companies that insure more vehicles than anyone else are Progressive, State Farm, Geico, and Allstate. The following table compares some of the different options and features offered by each one.