How Much is Car Insurance for Hybrid Vehicles in South Dakota?

The make and model of vehicle you are insuring is one of the main factors when comparison shopping for cheap car insurance for hybrid vehicles in South Dakota. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The table below outlines car insurance costs for a selection of the most cost-effective vehicles to buy coverage for.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in South Dakota location which can change coverage prices significantly.

Based upon these rates, we can expect makes and models like the Honda CR-V, Ford Escape, Ford Edge, and Hyundai Santa Fe are a few of the cheaper vehicles to insure for hybrids.

Establishing which insurers offer the most affordable car insurance rates for hybrid vehicles calls for a little more effort than just comparing rates from one or two companies. Each auto insurance company uses a little different formula for establishing rates, so let’s take a look at the most affordable car insurance companies in South Dakota.

We do need to point out that South Dakota car insurance rates are calculated based on many things that will increase or decrease the cost of your policy. Simply improving your credit, having a claim, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being cheaper in comparison to the competition.

Cheapest Insurance Rates for Hybrids

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USAA offers some of the lowest car insurance rates in South Dakota at around $631 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also qualify as some of the most economical South Dakota auto insurance companies.

As the example above demonstrates, if you currently buy coverage from Farmers Mutual of Nebraska and switched to Auto-Owners, you might achieve savings of around $138. South Dakota drivers with Unitrin might save as much as $187 a year, and Western National customers might reduce prices by as much as $190 a year.

Be aware that those premiums are averaged for all types of insureds and vehicles and and are not figured with a price discount for hybrid vehicles. So the insurer that is most affordable for your situation may not even be included in the list of companies shown earlier. That’s why you need to get rate quotes using your own driver data and vehicle information.

Discounts on cheap car insurance for hybrid vehicles in South Dakota

Auto insurance companies that offer coverage for hybrid vehicles may additionally offer rate discounts that can lower rates by 40% or more if you meet eligibility requirements. Larger car insurance companies and a selection of discounts are included below.

The diagram below shows the comparison of insurance prices with and without discounts applied. The costs are based on a female driver, no driving violations, no at-fault accidents, South Dakota state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, defensive driving course, safe-driver, claim-free, anti-theft, and vehicle safety discounts applied. When discounts are factored in, the average savings per year on car insurance for hybrid vehicles is 41% or $312.

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Ending up with the right car insurance company is hard considering how many companies there are to choose from in South Dakota. The information in the lists below could help you analyze which coverage providers to look at purchasing coverage from. These ratings include large insurance companies, so smaller companies that only insure vehicles in South Dakota will not be included in the list.

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

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

Top 10 Major Auto Insurance Companies in South Dakota Ranked by Value

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

Is Progressive, Geico, State Farm, or Allstate cheaper?

When comparing car insurance, four companies to consider are Progressive, Geico, State Farm, and Allstate. When combined, they make up over 45% of the entire U.S. auto insurance market. They all have a slightly different set of options and discounts that may influence your choice. The next table compares ratings for price and service, as well as some optional coverages that may be available in South Dakota.