Who Has the Cheapest Auto Insurance for Good Students in South Dakota?

The words “low-priced” and “insurance” really don’t belong together, in particular when trying to find the lowest insurance rates for good students. In an attempt to save some money, let’s introduce you to some situations the can have a considerable influence on auto insurance prices, and figure out some ideas to shave a little off the next policy you buy.

Trying to buy cheap insurance is not the easiest thing to accomplish, and figuring out which insurers offer the cheapest insurance rates for good students will involve even more shopping around. Each insurance company has a unique formula for filing rates in each state, so we need to take a look at the lowest cost insurance companies in South Dakota.

It’s a good idea to be aware that South Dakota insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. This price fluctuation is why consumers need to spend some time comparing rates to get the most budget-friendly car insurance quotes for good students. Auto insurance prices can be determined by many risk factors and change dramatically, so the most economical option the last time you shopped around may now be one of the higher cost companies.

Lowest Insurance Price Quotes for Students

Compare Rates Now

google.charts.setOnLoadCallback(drawSDT5qcibChart);function drawSDT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 650, ‘#67CF33’], [‘Auto-Owners’, 924, ‘#55AC2A’], [‘Farmers Mutual of Nebraska’, 996, ‘#468F23’], [‘State Farm’, 1007, ‘#3A771D’], [‘Western National’, 1036, ‘#306318’]]);var options = {title: ‘Top Five Most Affordable Car Insurance Companies in South Dakota’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1136,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA normally has some of the lowest car insurance rates in South Dakota at around $650 a year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Western National also qualify as some of the most economical South Dakota auto insurance companies.

As the example above demonstrates, if you are a customer of State Farm and switched to Auto-Owners, you may see yearly savings of roughly $83. South Dakota drivers with Western National might save as much as $112 a year, and Farmers customers might lower prices by $142 a year.

To get a quick, customized rate comparison, click here to start your free quote or quote rates from the companies below.

Bear in mind that those rates are averages for all insureds and vehicles and do not factor in a rate discount for good students. So the auto insurance company that is best for you may not even be in the above rate chart. That underscores the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The car, truck, or SUV needing coverage is probably the most important factor that determines the availablility of the cheapest car insurance for good students in South Dakota. Vehicles with lots of horsepower, a lack of advanced 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 auto insurance prices for a selection of the most affordable automobiles to insure in South Dakota.

Price data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can alter insurance rates noticeably.

Based upon the table data, models like the Hyundai Elantra, Honda CR-V, Chevrolet Traverse, Ford Escape, and Toyota Prius are most likely to be some of the most economical vehicles to insure for student drivers.

One of the key things that aid in calculating the annual cost of car insurance is your zip code. Cities with larger populations or higher claims like Pine Ridge, Hot Springs, and Mobridge tend to have higher auto insurance costs, whereas areas with less congestion generally benefit from lower insurance rates.

The table below sorts the highest-priced areas in South Dakota for good students in which to buy car insurance.

Table data uses comparative as specific South Dakota garaging address can affect coverage prices significantly.

The chart below shows how different deductible levels can affect insurance prices when getting quotes for cheap insurance for good students. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3917,3563,3183,2825],[‘Age 30’, 1993,1833,1649,1469],[‘Age 40’, 1993,1821,1625,1439],[‘Age 50’, 1809,1653,1479,1315],[‘Age 60’, 1751,1603,1437,1277],[‘Age 70’, 2135,1963,1775,1597]]);var options = {title: ‘Deductible Levels and Insurance Cost in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could lower their car insurance rates by $330 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $494 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, can save up to $1,092 or even more by selecting a higher deductible.

If you make the decision to raise deductibles, it will be required to have plenty of money set aside to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Ending up with a good quality car insurance company can be a challenge considering how many different companies insure vehicles in South Dakota. The rank data in the next section can help you pick which auto insurers to look at when trying find the best insurance for good students.

These ratings only include large nationwide companies, so companies that have a smaller presence are not factored into these rankings. To get price quotes from many more South Dakota auto insurance companies, just click here.

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

When researching car insurance for student drivers, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. When combined, they have 48.5% of all policies written. The table below compares and contrasts ratings and policy coverage options .