Who Has Cheap Car Insurance for Drivers with Accidents in South Dakota?

When shopping for cheaper car insurance for drivers with at-fault accidents, one of the many factors that is used to calculate car insurance rates is where you call home. Larger areas like Pine Ridge, Spearfish, and Hot Springs tend to pay more, whereas more rural areas profit from lower rates.

The illustration below sorts the most expensive cities in South Dakota for drivers with accidents to purchase car insurance in.

Premium amounts are comparative as the specific South Dakota residence address can modify coverage rates greatly.

Determining which company quotes the cheapest auto insurance rates for drivers with accidents takes a bit more work in order to find the lowest price quote. Each auto insurance company uses a little different formula for determining prices, so we’ll take a look at the most competitive auto insurance companies in South Dakota.

It’s a good idea to be aware that South Dakota auto insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Improving your credit score, increasing deductibles, or having a fender bender can cause premium changes that can cause some rates to be more affordable than before.

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USAA quotes some of the cheapest car insurance rates in South Dakota at around $631 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the more affordable South Dakota insurance companies.

In this example, if you currently have a policy with Farmers Mutual of Nebraska and switched to Auto-Owners, you might realize an annual savings of upwards of $148. Customers with Unitrin might save as much as $187 a year, and Western National customers might cut rates by $190 a year.

To get a fast rate comparison, click here to get a free quote or click several companies below for low rates.

Bear in mind that those policy rates are averages across all insureds and vehicles and are not factoring in a price surcharge for drivers with accidents. So the insurer that fits your situation best may not even be featured in the company chart above. That helps illustrate why you need to get auto insurance quotes using your own driver and vehicle profiles.

Rate increases following a ticket or accident

The easiest way to maintain the most affordable auto insurance premiums for drivers with at-fault accidents is to drive carefully and avoid at-fault accidents and violations. The information below highlights how speeding tickets and accident claims impact annual premium costs for different age categories. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

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In the prior example, the average cost of car insurance per year with no violations or accidents is $1,606. Get written up for two speeding tickets and the average cost jumps to $2,159, an increase of $553 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for drivers with accidents increases to an average of $4,119. That’s an increase of $2,513, or $209 per month, just for being a little careless behind the wheel!

Full coverage rates vs. liability-only

Finding cheap auto insurance for drivers with accidents in South Dakota is important to the majority of vehicle owners, and one common way to find cheaper insurance is to not insure for full coverage. The illustration below compares car insurance rates when comparing full coverage to liability only. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2101,897],[‘Age 30’, 1115,495],[‘Age 40’, 1083,459],[‘Age 50’, 993,431],[‘Age 60’, 963,423],[‘Age 70’, 1195,563]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in South Dakota’,minValue: 0,format: ‘$###,###’},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);}

If averaged for all ages, physical damage coverage on your policy costs an additional $1,242 per year more than carrying just liability coverage. That brings up the question if you should buy full coverage. There is no exact formula of when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $10,000 after paying your policy deductible. If it’s costing in excess of $1,000 annually to have full coverage, then you might consider buying liability only.

Company comparison: Allstate vs Progressive vs Geico vs State Farm

If you want the best auto insurance, the companies that insure more vehicles than anyone else are Allstate, Progressive, Geico, and State Farm. All offer liability and physical damage insurance, but each one has unique features and discounts that may steer you one way or another. The next table compares pricing and service ratings, plus some optional coverages shoppers can find with each company.