Cheapest Auto Insurance Quotes for Drivers Over Age 70 in South Dakota

One of the key things that impact the policy price is where you keep your car. More populated areas like Pine Ridge, Belle Fourche, and Sturgis tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims generally benefit from lower auto insurance rates.

The table below sorts the higher priced cities in South Dakota for drivers over age 70 to buy auto insurance in.

Price information shown is approximated as the specific garaging location can increase or decrease rates substantially.

Determining which companies quote the best auto insurance rates for drivers over age 70 requires more time in order to find the most economical policy.

Each auto insurer has a proprietary method for setting prices, so let’s take a look at the auto insurance companies that tend to have lower prices in South Dakota.

Compare Cheap Insurance Quotes for Age 70+

Get a Free Quote and Save

USAA normally has some of the most affordable car insurance rates in South Dakota at around $657 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National would also be considered some of the cheaper South Dakota auto insurance companies.

As illustrated above, if you are a customer of Farmers Mutual of Nebraska and switched to Auto-Owners, you could see savings of in the vicinity of $129. Customers with Western National could save as much as $139 a year, and Unitrin customers might lower prices by up to $146 a year.

Be aware that those premium estimates are averages across all insureds and vehicles and do not take into consideration a price increase for drivers over age 70. So the auto insurance company that has the cheapest price for you may not even be shown in the list above. That helps illustrate why you need to compare prices as often as possible using your own individual information.

The car, truck, or SUV you are buying coverage for is one of the biggest factors when shopping around for cheap car insurance for drivers over age 70. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.

The list below shows auto insurance premiums for a handful of the cheaper vehicles to insure.

Price data assumes married male driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in specific garaging location which can modify insurance rates greatly.

Based upon the table data, you can figure that makes and models like the Ford Escape, Honda CR-V, Chevrolet Traverse, Toyota Prius, and Hyundai Tucson will definitely be the less-costly vehicles to insure for older drivers. The cost of a car insurance policy will be more expensive just due to the fact that there is more liability exposure for drivers over age 70, but overall those models will tend to have the least expensive rates possible.

Does State Farm, Allstate, Geico, or Progressive have the cheapest car insurance?

When comparing rates for car insurance for older drivers in South Dakota, some of the first companies to look at are State Farm, Allstate, Geico, and Progressive. If you combine them together, they insure 48.5% of all auto insurance policies in force. They all have your normal coverages like liability, comprehensive, and collision, but each one offers slightly different options that add value to each policy. The following table points out pricing and service ratings, plus some optional coverages you can buy with each company.