Who Has the Cheapest Auto Insurance for Single Moms in South Dakota?

Finding out which insurers offer the best insurance rates for single moms will require a little more work than just comparing rates from one or two companies.

Every insurance company has their own guidelines for establishing rates, so we’ll take a look at the most budget-friendly insurance companies in South Dakota.

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USAA may offer some of the most affordable car insurance rates in South Dakota at around $638 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also qualify as some of the more affordable South Dakota auto insurance companies.

As the example above demonstrates, if you currently have coverage with Auto-Owners and switched to USAA, you could realize yearly savings of roughly $277. South Dakota drivers with State Farm might save as much as $359 a year, and Farmers Mutual of Nebraska policyholders might lower prices by up to $368 a year.

To find out how your current rates compare, click here to get quotes or visit any of the companies below.

Remember that these premium estimates are averaged across all types of insureds and vehicles and do not factor in a price decrease for single moms. So the car insurance company that fits you best may not even be included in the chart above. That illustrates why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

The cost and performance of the vehicle on the policy is a significant factor when shopping around for the cheapest car insurance for single moms in South Dakota. Vehicles with economical engines, a great safety record, or a track record of few liability claims will cost less to insure than adrenaline junky models. The next tables illustrates car insurance costs for a selection of the most affordable vehicles to insure.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific location information which can influence insurance rates significantly.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in zip code location which can decrease or increase coverage rates significantly.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates noticeably.

One of the more important components that is used to help calculate the amount you pay each year for auto insurance is where you keep your car in South Dakota. More densely populated places like Pine Ridge, Spearfish, and Belle Fourche tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims tend to receive cheaper rates.

The illustration below ranks the most expensive areas in South Dakota for single moms to buy an auto insurance policy in.

Price information shown is approximated as zip code location can revise premium rates noticeably.

Ending up with a good quality company is hard considering how many choices drivers have in South Dakota. The company information shown next may help you choose which companies you want to consider shopping prices with. The rankings below only include companies that insure vehicles nationwide, so companies that have a smaller presence are not included in the list.

Top 10 Large Car Insurance Companies Overall in South Dakota

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

Top 10 Large Car Insurance Companies 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

The information below illustrates how choosing a deductible can impact insurance premiums when researching cheap insurance for single moms. The premiums assume a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

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The data above shows that a 40-year-old driver could reduce rates by $246 a year by switching from a $100 deductible to a $500 deductible, or save $370 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, can cut up to $820 or more by choosing larger deductibles on their policy.

If you do make the decision to raise your deductibles, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Progressive, State Farm, Geico, or Allstate: Which is best?

If you are shopping around for auto insurance, four of the larger companies to compare rates for are Progressive, State Farm, Geico, and Allstate. If you put them all together, they insure over 48% of all policies written in the United States. The data below compares pricing and service ratings, plus some optional coverages offered by each company.