Cheap Auto Insurance for College Graduates in South Dakota

You have probably watched the commercials from companies like Liberty Mutual, GEICO, and Progressive that make claims of the cheapest price. So you should just choose the one with the most memorable commercial, right?

It’s just not that simple, as there are a ton of unknown elements such as your credit history, if you are a man or woman, and the deductible level you need. We will try to teach you about the best ways to compare rates and hopefully give you enough understanding to have a good start in finding the cheapest insurance in South Dakota.

The type of vehicle you are insuring is a large consideration when quoting the lowest-priced car insurance for college graduates. Vehicles with high performance engines, a lack of safety features, or a track record of large liability claims will cost much more to insure than safer models. The tables below showcases auto insurance premiums for the cheapest vehicles to buy coverage for.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in specific zip code location which can revise insurance rates substantially.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can modify price quotes noticeably.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can increase or decrease premiums significantly.

For college grads, one of the big things used to calculate the amount you pay each year for auto insurance is where your car is garaged. Regions with larger populations or more claims like Pine Ridge, Sturgis, and Belle Fourche are more likely to have higher rates, whereas areas with less congestion benefit from lower coverage costs.

The table below displays the more expensive cities in South Dakota for college graduates to purchase car insurance in.

Premium amounts are estimated as specific location information can lower or raise insurance rates greatly.

Finding good, low-priced insurance is tough enough, and finding out which company quotes the lowest-priced insurance rates for college graduates takes a bit more work. Each auto insurer uses their own calculation for determining prices, so let’s begin by examining the overall cheapest insurance companies in South Dakota.

It’s a good idea to be aware that South Dakota insurance rates are influenced by many factors that will increase or decrease the cost of coverage. This is why it is critical to spend some time comparing rates when trying to get the best insurance quotes for college graduates. Rates are made up of many things and change substantially, so the best price the last time you shopped around may now be an over-priced policy.

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USAA may offer some of the lowest car insurance rates in South Dakota at around $650 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also qualify as some of the lowest-priced South Dakota auto insurance companies.

As depicted above, if you currently buy coverage from State Farm and switched to USAA, you could see annual savings of in the neighborhood of $327. Customers with Farmers Mutual of Nebraska may save as much as $356 a year, and Unitrin customers might reduce prices by as much as $383 a year.

If you want to find out if you’re overpaying, click here to get a free quote or click through to the companies below.

Understand that those rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a price decrease for college graduates. So the insurer that can offer you the best rate may not even be featured in the rate chart shown above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Which major car insurance company is best?

If you are shopping around for car insurance for college grads, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. When combined, they insure 48.5% of all car insurance policies written. The following table breaks down ratings for price and service, as well as some optional coverages .