Best Cheap Car Insurance for a Learners Permit in South Dakota

For new drivers, one of the big considerations that car insurance companies use when figuring the price you pay for insurance is where you keep your vehicle in South Dakota. Areas that are densely populated or have higher claim frequency like Pine Ridge, Hot Springs, and Belle Fourche tend to have higher rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The information below rates the highest-priced places in South Dakota for a learners permit to purchase auto insurance in.

Premium amounts are comparative as vehicle location can affect coverage rates substantially.

Deciphering which companies have the cheapest auto insurance rates for a learners permit takes more time in order to find the lowest price. Every insurance provider uses a slightly different approach for filing rates in each state, so we’ll go over the most competitive auto insurance companies in South Dakota.

Keep in mind that South Dakota auto insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Simply improving your credit, buying a new vehicle, or getting a couple of tickets can cause premium changes that can cause some rates to be cheaper than competitors.

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USAA generally has some of the most affordable car insurance rates in South Dakota at around $631 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also make the list of some of the more affordable South Dakota car insurance companies.

As shown above, if you are currently insured with Farmers Mutual of Nebraska and switched to USAA, you could realize an annual premium reduction of approxmiately $365. Policyholders with Unitrin could save as much as $402 a year, and Farmers policyholders might reduce rates by $446 a year.

These premium estimates are averages across all insureds and vehicles and do not take into consideration a rate surcharge for a learners permit. So the company that is most affordable for your situation may not even be included in the above list. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Discounts on the best cheap car insurance for a learners permit in South Dakota

Car insurance companies that offer cheap quotes for a learners permit may also give you policy discounts that can lower rates by as much as 35% or more if you are eligible to receive them. Large auto insurance companies and a partial list of their discounts can be found below.

• AAA discounts include multi-car, anti-theft, good driver, good student, AAA membership discount, multi-policy, and education and occupation.
• Progressive offers discounts for online quote discount, multi-vehicle, homeowner, continuous coverage, and multi-policy.
• State Farm offers premium reductions for Drive Safe & Save, accident-free, passive restraint, safe vehicle, anti-theft, good student, and multiple autos.
• Esurance includes discounts for claim free, Pac-12 alumni, paid-in-full, Switch & Save, homeowner, and anti-lock brakes.
• Nationwide may offer discounts for anti-theft, business or organization, multi-policy, Farm Bureau membership, accident-free, and good student.

The example below shows the difference between insurance prices with and without policy discounts. The premiums assume a male driver, no claims or driving citations, South Dakota state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, continuous coverage, passive restraint, paid-in-full, anti-theft, and vehicle safety discounts applied. When discounts are applied, the average savings per year on auto insurance for a learners permit is 28% or $597.

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Find the best cheap car insurance for a learners permit in South Dakota

Here are some penny-pinching solutions that can help South Dakota drivers find low-cost coverage.

• Remain accident-free and save
• Better credit scores save money
• Buying home and auto together can help save money
• Do not pay for comprehensive and collision coverage on older vehicles
• Vehicles with good safety ratings have lower liability rates
• Shop around and save

The last item on the list is incredibly crucial, as was discussed in the article above. Prices charged by car insurance companies fluctuate constantly, so don’t be afraid to switch carriers if you find a cheaper price. We understand brand loyalty, but we do not recommend it if your bullheadedness ends up costing you major coinage every year. In just a few minutes you could shop around to find cheaper insurance for a learners permit.

Who has the cheapest insurance quotes for new drivers?

You have a lot of ways to buy auto insurance in South Dakota, but the most popular are through an exlusive agent such as Auto-Owners or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. All three ways are similar, but they differ slightly in how they function.

Independent agencies have contracts with multiple insurance companies and can get policy pricing from every one. These types of agencies are usually affiliated with several companies and can quote rates with many companies, which can help you get better odds of saving money. If you want to switch companies, an independent agent can move your coverage and that require little work on your part.

A captive or exclusive agent is only able to quote your policy with one company like a State Farm or Liberty Mutual agent. These agents are not able to compare other company’s rates, so it’s a good idea to get additional price quotes.

The last way is buying direct, which means you bypass a local insurance agent and buy direct either online or via phone. This option may be preferred by consumers who do not need risk management and know more than average about the limitations of auto insurance.

So which method is best for finding the best cheap car insurance for a learners permit in South Dakota? Most people would assume that buying direct results in the cheapest price since no commissions are paid to an agent, but in reality, that is not the case. And we’d like to say buying auto insurance from an independent agent guarantees the cheapest rates because they can shop around, but again, it’s not a sure thing. In many circumstances, exclusive agents have coverage prices that are the cheapest in South Dakota.

Because it’s impossible to say who has the best auto insurance rates, the one way to get the lowest rate is to obtain price quotes and compare them. We recommend you get prices from all three to have the best rate selection. For a list of companies offering online discounts in South Dakota, click here to view.