Who Has Cheap Car Insurance for Uber Drivers in South Dakota?

For South Dakota drivers, one of the criteria that affect the price you pay for insurance is where you call home in South Dakota. Densely populated urban areas like Pine Ridge, Lead, and Belle Fourche tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims benefit from having to pay less for coverage.

The following table illustrates the most expensive cities in South Dakota for Uber drivers in which to purchase auto insurance.

Annual rates are estimated as the specific garaging location can lower or raise insurance rates significantly.

The vehicle model you are buying coverage for is a large factor when looking for cheap auto insurance for Uber drivers in South Dakota. Vehicles with average performance, advanced safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The list below estimates auto insurance rates for a selection of the cheapest vehicles to buy insurance for.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Estimates do not factor in specific garaging location which can revise rates considerably.

By looking at the data, vehicles like the Ford Escape, Ford Edge, Ford Explorer, and Honda CR-V will be the most affordable vehicles to insure for Uber vehicles.

Finding good, affordable car insurance is difficult, and figuring out which companies have the cheapest auto insurance rates for Uber drivers may require even more shopping around.

Each insurance company has their own process for setting rates, so first we will examine the most competitive auto insurance companies in South Dakota. We do need to point out that South Dakota auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. This is why it is so important to perform an extensive rate comparison when trying to find the most budget-friendly car insurance rates for Uber drivers. Car insurance prices are impacted by many risk factors and change substantially, so the cheapest rate a year ago may now be one of the higher cost companies.

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USAA quotes some of the cheapest car insurance rates in South Dakota at around $657 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National are also some of the cheaper South Dakota insurance companies.

As the rates illustrate above, if you currently buy coverage from Farmers Mutual of Nebraska and switched to USAA, you could earn an annual premium reduction of in the vicinity of $369. Customers with Western National might save as much as $411 a year, and Unitrin customers might see rate reductions of $418 a year.

Be aware that those policy prices are averages across all insureds and vehicles and do not take into consideration a price discount for Uber drivers. So the auto insurance company that is best for you may not even be shown in the rate chart shown above. That point stresses why you need to quote rates from many companies using your own driver information and specific vehicle type.

Ending up with the highest-rated company can be difficult considering how many different companies insure vehicles in South Dakota. The ranking data below may help you analyze which auto insurers you want to consider when comparing insurance rates for Uber drivers.

These rankings include companies that insure vehicles across America, so smaller regional companies will not be included in this list. If you wish to compare prices from these and other top-rated companies, click here.

Top 10 Large Auto Insurance Companies in South Dakota Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Allstate
8. The Hartford
9. Farmers Insurance
10. Esurance

Top 10 Large 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

Discounts on South Dakota auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-uber-drivers-sd.jpg" alt="Cheaper South Dakota auto insurance for Uber vehicles”/>Insurance providers that provide cheap auto insurance for Uber drivers in South Dakota may also give you price discounts that can lower rates by 25% or more if you are eligible. Companies and some of the discounts include:

• GEICO policyholders can earn discounts including driver training, multi-policy, five-year accident-free, daytime running lights, and good student.
• Travelers offers discounts including driver training, good student, IntelliDrive, payment discounts, continuous insurance, early quote, and multi-car.
• Nationwide has savings for anti-theft, good student, easy pay, Farm Bureau membership, and multi-policy.
• Farmers Insurance includes discounts for multi-car, teen driver, early shopping, electronic funds transfer, alternative fuel, good student, and switch companies.
• Esurance may include discounts for anti-lock brakes, paid-in-full, multi-car, online shopper, anti-theft, and defensive driver.
• State Farm offers premium reductions for multiple policy, passive restraint, Steer Clear safe driver discount, defensive driving training, driver’s education, and accident-free.
• Progressive discounts include multi-vehicle, online signing, multi-policy, good student, online quote discount, and homeowner.
• Mercury Insurance may offer discounts for ease of repair, annual mileage, age of vehicle, anti-theft, and accident-free.

The diagram below visualizes the comparison of insurance costs with and without discounts applied. The prices are based on a male driver, no claims or driving citations, South Dakota state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, accident-free, vehicle safety, defensive driving course, multiple policy, and safe-driver discounts applied. With discounts applied, the the average yearly reduction on auto insurance for Uber drivers is 28% or $518.

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