Who Has the Cheapest Auto Insurance for Teachers in South Dakota?

You have probably seen the captivating ads from companies like Progressive, Allstate, and State Farm guaranteeing enormous savings, so drivers should just choose the one with the most memorable commercial, right?

It’s just not that easy, however, as there are many unknowns like if you are insuring for full coverage or just liability only, the level of liability coverage you want, if your driving record shows any at-fault accidents, and if you are a renter or homeowner, that all have an effect on the price of a policy. This article covers the things that cause high insurance rates and will hopefully give the reader a good beginning to your search for cheaper coverage.

When shopping for the cheapest insurance for teachers and educators, one of the many components that insurance companies use when figuring the policy price is where your car is garaged in South Dakota. Cities with larger populations like Pine Ridge, Belle Fourche, and Lead likely pay more, whereas more rural areas tend to receive slightly lower rates.

The information below sorts the highest-priced areas in South Dakota for teachers to buy car insurance in.

Table data uses approximated as specific location information can impact auto insurance rates substantially.

Locating reasonably-priced insurance is difficult, and finding out which insurers offer the lowest-priced car insurance rates for teachers will take more quotes for comparison. Rates will probably be somewhat less expensive than the average price in South Dakota due to the lower risk that goes along with selling coverage for teachers and educators. Cost-effective insurance should be achievable from a lot of different insurance providers.
Each company uses their own calculation for setting rates, so to begin we’ll rank the most budget-friendly car insurance companies in South Dakota.

We do need to point out that South Dakota car insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay for coverage. This is why South Dakota drivers need to compare rates to get the lowest auto insurance rates for teachers. Car insurance prices are influenced by many factors and can increase or decrease at any time, so the cheapest rate the last time you shopped your coverage around may now be priced much higher than other options.

Best Cheap Insurance Rates for Educators

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USAA has some of the most affordable car insurance rates in South Dakota at around $631 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National also rank well as some of the more affordable South Dakota auto insurance companies.

As illustrated above, if you are a policyholder with Farmers Mutual of Nebraska and switched to USAA, you could see a yearly price reduction of approxmiately $405. Insureds with Western National might save as much as $415 a year, and Unitrin customers might reduce prices by as much as $444 a year.

Be aware that those policy prices are averaged for all insureds and vehicles and and are not calculated with a rate discount for teachers. So the company that fits your situation best may not even be featured in the list of companies shown earlier. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.

The car, truck, or SUV you are trying to insure is one of the biggest factors when shopping for the cheapest car insurance for teachers in South Dakota. Vehicles with high performance engines, poor safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models. The data below presents car insurance premiums for a number of the most economical vehicles to buy insurance for.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in South Dakota location which can change auto insurance rates substantially.

Based on these rates, models like the Ford Escape, Chevrolet Traverse, and Toyota Highlander are most likely to be a few of the less-costly vehicles to insure for teachers and educators.

Car insurance rates are higher with tickets and accidents

The ideal way to score affordable car insurance premiums for teachers and educators is to be an attentive driver and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and at-fault claims can influence car insurance costs for different age groups. Data assumes a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

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The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $1,074. Get one speeding ticket and the average cost hikes up to $1,251, an increase of $177 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for teachers goes up to an average of $1,741. That’s an increase of $666, or $56 per month, just for being a careless driver!

Selecting a highly-rated car insurance company can be rather challenging considering how many choices you have in South Dakota. The company rank data in the lists below may help you pick which car insurance providers you want to consider purchasing a policy from.

These rankings include the largest auto insurers in America, so companies that have a smaller presence are not included in this list. If you wish to compare rates from the most competitive companies in South Dakota, simply click here.

Top 10 Major Auto Insurance Providers in South Dakota Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top 10 Major Auto Insurance Providers in South Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

How to get the cheapest car insurance for teachers in South Dakota

The list below shows some of the recommended thrifty solutions that can help South Dakota drivers find cheaper car insurance.

• Just one traffic violation will increase your rates
• Higher deductibles mean lower rates
• Claim-free drivers earn discounts
• Prevent price hikes by avoiding at-fault accidents
• Save money by insuring older vehicles for liability only
• Comparison shop frequently

That last piece of advice is highly significant, as we emphasized in the article above. Prices charged by companies can change considerably in a year, so don’t be unwilling to switch companies if a cheaper price is available.

Brand loyalty is great, but it’s not a great idea if that dedication is costing a small fortune. In less than five minutes you could shop around to find cheaper car insurance for teachers.