Best Cheap Car Insurance for Felons in South Dakota

We all like different vehicles, and the type of vehicle requiring coverage is probably the biggest factor when trying to find the best cheap auto insurance for felons. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The lists below illustrates insurance premiums for the most economical automobiles to insure.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific garaging location which can raise or lower premium rates considerably.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower prices substantially.

When shopping for the cheapest car insurance for felons, one of the many things that influence a rate quote is where you live in South Dakota. Densely populated urban areas like Pine Ridge, Sturgis, and Spearfish are more likely to have higher rates, whereas areas with less congestion get the luxury of paying less.

The following table ranks the priciest cities in South Dakota for felons to buy an auto insurance policy in.

Annual rates are estimated as specific South Dakota garaging address can increase or decrease insurance rates considerably.

Finding out which companies quote the cheapest car insurance rates for felons involves a tad more effort than just getting one or two price quotes.

Every car insurance company has a proprietary method for determining rates, so let’s rank the most budget-friendly car insurance companies in South Dakota. It’s a good idea to be aware that South Dakota car insurance rates are calculated based on many things that will increase or decrease the cost of your policy. Simply having another birthday, becoming a homeowner, or getting a DUI can trigger price changes resulting in some rates now being more affordable than others.

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USAA may have some of the lowest car insurance rates in South Dakota at around $657 annually. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also be considered some of the cheaper South Dakota auto insurance companies.

As depicted above, if you buy coverage from Farmers Mutual of Nebraska and switched to USAA, you could earn yearly savings of upwards of $369. South Dakota drivers with Unitrin may save as much as $418 a year, and Western National insureds might lower prices by up to $421 a year.

These prices are averaged across all ages of drivers and types of vehicles and do not factor in a price decrease for felons. So the insurer that is best for you may not even be shown in the list of companies shown earlier. That is why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The information below illustrates how choosing a deductible can change insurance premiums when searching for cheap insurance for felons. The data is based on a married female driver, comp and collision included, and no discounts are applied.

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In the chart above, a 40-year-old driver could save $282 a year by increasing from a $100 deductible up to a $500 deductible, or save $424 by choosing a $1,000 deductible. Young drivers, like the 20-year-old example, could shave as much as $694 or more by choosing a higher deductible.

When raising deductibles, it is necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Buying coverage from the best auto insurance provider is hard considering how many different companies there are to choose from in South Dakota. The ranking information listed below could help you analyze which companies to look at shopping your coverage with.

The rankings below only include major nationwide insurance companies, so smaller companies are not taken into consideration for this list. To check prices from these companies and more, simply click here.

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 Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. Nationwide – 88%
4. American Family – 88%
5. State Farm – 88%
6. Farmers Insurance – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

State Farm vs Allstate vs Geico vs Progressive

If you want reliable auto insurance for felons in South Dakota, four good companies to start with are State Farm, Allstate, Geico, and Progressive. Between them, they make up almost 50% of all car insurance policies in America. The table below compares and contrasts some of the different features shoppers can expect to find with each one.