Cheap Auto Insurance for Seniors in South Dakota

Deciding which insurers offer the cheapest insurance rates for seniors will require a little more sweat in order to find coverage that fits your buget. Each auto insurance company uses their own formula to establish rates, so let’s examine the insurance companies that tend to be cheaper in South Dakota.

Find the Cheapest Auto Insurance for Mature Drivers

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USAA generally has some of the most affordable car insurance rates in South Dakota at around $657 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National also rank well as some of the cheaper South Dakota car insurance companies.

As shown in the rates above, if you currently have coverage with Farmers Mutual of Nebraska and switched to Auto-Owners, you might see a yearly savings of approxmiately $82. South Dakota drivers with Western National might save as much as $122 a year, and Farmers insureds might reduce rates by $142 a year.

It’s important to note that these rates are averages across all insureds and vehicles and and are not figured with a price decrease for seniors. So the company that can offer the best rates for your situation may not even be in the chart above. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.

The vehicle model requiring coverage is one of the largest considerations when comparison shopping for cheap auto insurance for seniors in South Dakota. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models. The data below presents insurance rates for a selection of the most economical vehicles to buy coverage for.

Data assumes married female driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can alter prices substantially.

Based on these rates, you can conclude that cars like the Honda Accord, Honda CR-V, Ford Escape, and Jeep Wrangler will be the cheapest vehicles to insure for senior citizens.

When shopping for the cheapest car insurance for senior citizens, one of the many considerations that car insurance companies take into consideration when calculating the price of your policy is where you normally keep your vehicle in South Dakota. Areas that are more densely populated like Pine Ridge, Lead, and Sturgis are more likely to pay higher prices, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.

The information below sorts the most expensive places in South Dakota for seniors to purchase car insurance in.

Annual rates are comparative as the garaging address in South Dakota can alter rates considerably.

The diagram below demonstrates how choosing different deductibles can change annual premium costs when quoting cheap insurance for seniors. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.

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The data above shows that a 30-year-old driver could save $306 a year by changing from a $100 deductible to a $500 deductible, or save $462 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could lower their rates as much as $934 or more just by choosing higher deductibles.

When choosing a higher deductible, it is necessary to have spare funds to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Finding a high-quality auto insurance company can be rather challenging considering how many choices you have in South Dakota. The company rank data listed below may help you decide which car insurance providers to look at when shopping your coverage around. These ratings only include companies that insure vehicles across America, so smaller companies that only insure vehicles in South Dakota are not factored into this list.

Top 10 Major Auto Insurance Companies in South Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. The General

Top 10 Major Auto Insurance Companies in South Dakota Ranked by Claims Service

1. Progressive
2. Liberty Mutual
3. Nationwide
4. USAA
5. GEICO
6. AAA Insurance
7. Safeco Insurance
8. Esurance
9. The General
10. Allstate

Allstate, Progressive, Geico, and State Farm: Who is best?

If you are looking for the best auto insurance, four companies to definitely compare rates with are Allstate, Progressive, Geico, and State Farm. They all offer unique options and discounts that buyers can choose from. The data below rates some of the different options and features that are available.