Cheapest Auto Insurance for Teenagers in South Dakota

You have most likely seen the captivating commercials from car insurance companies like Progressive and Liberty Mutual that say if you switch you’ll get big savings, so drivers just need to pick one randomly, right?

That is not the case, however, as there are a lot of unknowns like your credit score, if you are single or married, if you are requesting full coverage, and the performance level of your vehicle, that all impact the cost of your policy. We will touch on some of these things and hopefully give you enough understanding to have some help in finding cheaper rates.

One of the many criteria that auto insurance companies take into consideration when calculating a rate quote is where your residence is in South Dakota. Areas that are more densely populated like Pine Ridge, Hot Springs, and Mobridge likely pay more, whereas cities that are not as densely populated tend to receive cheaper rates.

The illustration below rates the most costly cities in South Dakota for teenagers in which to buy car insurance.

Annual rates are comparative as specific South Dakota garaging address can influence insurance rates significantly.

Establishing which companies have the cheapest insurance rates for teenagers calls for a little more work in order to find the best price. Each insurer uses a slightly different approach for determining rates, so let’s examine the insurance companies that tend to have lower prices in South Dakota.

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USAA has some of the lowest car insurance rates in South Dakota at around $657 each year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Western National also are some of the cheapest South Dakota car insurance companies.

In this example, if you buy coverage from Farmers Mutual of Nebraska and switched to USAA, you may realize yearly savings of around $339. South Dakota drivers with State Farm may save as much as $350 a year, and Western National policyholders might reduce rates by $379 a year.

It’s important to note that these premiums are averages for all insureds and vehicles and are not factoring in a rate surcharge for teenagers. So the auto insurance company that can offer you the best price may not even be in the above rate chart. That is why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

Discounts on South Dakota insurance

Car insurance companies that offer the cheapest auto insurance for teenagers in South Dakota could also offer policy discounts that could reduce prices by as much as 25% or more if you are eligible for them. A few of the larger companies and some of the premium reductions they offer are detailed below.

• Farm Bureau discounts include multi-policy, renewal discount, driver training, youthful driver, and multi-vehicle.
• MetLife offers discounts for claim-free, defensive driver, multi-policy, accident-free, good student, and good driver.
• Progressive may offer discounts for homeowner, online signing, multi-vehicle, continuous coverage, multi-policy, and online quote discount.
• AAA has savings for good driver, multi-policy, AAA membership discount, good student, and multi-car.
• American Family may include discounts for early bird, mySafetyValet, bundled insurance, TimeAway discount, and accident-free.
• GEICO includes discounts for daytime running lights, seat belt use, federal employee, emergency military deployment, anti-theft, and multi-vehicle.
• State Farm has discounts for driver’s education, multiple autos, anti-theft, student away at school, good student, multiple policy, and safe vehicle.

The diagram below shows the difference between auto insurance costs with and without discounts applied to the rates. The data assumes a female driver, no claims, a clean driving record, South Dakota state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, continuous coverage, passive restraint, paid-in-full, good student, and paperless filing discounts applied. When discounts are applied, the the average amount saved on insurance for teenagers is 28% or $449.

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State Farm, Progressive, Geico, and Allstate compared

When researching car insurance for teen drivers, four of the larger companies to compare rates for are State Farm, Progressive, Geico, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distict selection of optional coverages and features that you can select from. The following table ranks price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.