Who Has the Cheapest Insurance for a Subaru Impreza in South Dakota?

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” should not appear anywhere in the article to describe car insurance rates. It’s just a fact that cheap car insurance for a Subaru Impreza can seem impossible to find. Don’t let that spoil your day, because we can show you some ways you can find auto insurance that you can afford to pay for.

Your chances of finding cheap insurance for a Subaru Impreza in South Dakota hinges on an enormous amount of rating factors such as your marital status, your residence address, and any prior driving offenses. South Dakota drivers pay on average $890 annually to buy insurance for a Subaru Impreza, but that policy rate is a ballpark figure that rates a 50-year-old single female driver that purchased full coverage and $500 physical damage deductibles.

Chances are that you may not be 50 years old (or even female), maybe you are married instead of single, or maybe you don’t qualify for the same discounts. What seems to be a minor change in policy rating factors can make a large difference in how much coverage for a Subaru Impreza costs.

Every policy is rated specifically for the driver, so the only way to find the cheapest coverage for your Subaru is to regularly compare rates at renewal.

Compare Subaru Impreza Insurance Rates

The specific trim level will likely have an effect on price, so the price you will pay to insure a Impreza 2.5I 4WD Station Wagon model will be $202 less expensive the price to insure the fancier Impreza WRX STI 4WD Station Wagon version, as shown by the rates below.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price information does not factor in zip code location which can decrease or increase auto insurance rates considerably.

Best auto insurance in South Dakota

Picking a high-quality car insurance company is hard considering how many different companies insure vehicles in South Dakota. The rank data shown next could help you select which car insurance providers to look at shopping your coverage with. The ratings below only include large nationwide companies, so companies that focus mainly on South Dakota business will not be included in these rankings.

Top 10 Major Auto Insurers 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%

Top 10 Major Auto Insurers in South Dakota Ranked by A.M. Best Rating

1. USAA – A++
2. State Farm – A++
3. GEICO – A++
4. Nationwide – A+
5. Esurance – A+
6. The Hartford – A+
7. Progressive – A+
8. Allstate – A+
9. The General – A-
10. American Family – A

Top Companies for Subaru Impreza Insurance in South Dakota

Rate difference between full and liability-only coverage

Finding the cheapest insurance for a Subaru Impreza in South Dakota is important to the majority of drivers, and one easy way to buy cheap insurance is to only pay for liability coverage. The example below shows the difference between premium costs with full coverage compared to only the South Dakota minimum liability coverage. The information is based on no accidents or driving violations, $100 deductibles, drivers are not married, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3845,1051],[‘Age 30’, 1993,579],[‘Age 40’, 1985,537],[‘Age 50’, 1799,503],[‘Age 60’, 1737,495],[‘Age 70’, 2085,659]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Impreza in South Dakota’,minValue: 0,format: ‘$###,###’},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);}

As an average, physical damage insurance costs an additional $2,241 per year more than insuring for liability only. That raises the question when is it safe to stop buying full coverage. There is no definitive formula of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $7,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,500 after you pay the deductible. If it’s costing in excess of $650 annually to have full coverage, then it might be time to consider dropping full coverage.

Reckless driving habits raise South Dakota auto insurance rates

The easiest way to snag the best auto insurance prices in South Dakota for an Impreza is to drive safe and avoid getting tickets or having accidents. The illustration below shows how violations and at-fault claims can raise car insurance costs for different age groups. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3725,3995,6219],[‘Age 30’, 1919,2191,4417],[‘Age 40’, 1913,2185,4411],[‘Age 50’, 1735,2007,4233],[‘Age 60’, 1677,1947,4173],[‘Age 70’, 2023,2291,4519]]);var options = {title: ‘Effect of Citations and Accidents on South Dakota Subaru Impreza Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Impreza 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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of an auto insurance policy in South Dakota per year with no violations or accidents is $2,165. Receive one speeding ticket and the average cost swells to $2,436, an increase of $271 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Subaru Impreza increases to an average of $4,662. That’s an increase of $2,497, or $208 per month, just for not driving safely!

Which major car insurance company is best?

When shopping for insurance for an Impreza in South Dakota, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. All offer liability and physical damage insurance, but each one has a distict selection of optional coverages and features that you can choose from. The following table points out some of the different features that are available for policyholders.