How Much are Car Insurance Quotes for Homeowners in South Dakota?

The words “cheap” and “auto insurance” really should not be used together, specifically when looking for the cheapest coverage for homeowners. Because it’s so expensive, let’s take a look at a few of the things that determine auto insurance prices, and find out if we can help you reduce the price of your next policy.

For South Dakota drivers, one of the considerations that help determine the annual cost of car insurance is your address in South Dakota. Areas with high crime rates or more dense population like Pine Ridge, Spearfish, and Hot Springs will most likely pay more, whereas less populated areas have the luxury of cheap car insurance for homeowners in South Dakota.

The next table sorts the more expensive cities in South Dakota for homeowners to purchase car insurance in.

Premium costs are comparative as specific South Dakota zip code can decrease or increase auto insurance rates significantly.

We all have different tastes in cars, and the vehicle you are insuring is one of the primary factors that determines the availablility of cheap car insurance for homeowners in South Dakota. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The next lists estimates auto insurance rates for a number of the more afforable automobiles to insure.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in zip code location which can modify premium rates greatly.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific garaging location which can revise premium rates considerably.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in zip code location which can lower or raise premium rates greatly.

Figuring out which company offers the most affordable car insurance rates for homeowners may require more time in order to find the lowest price quote. Each auto insurer has a unique formula to establish rates, so let’s take a look at the most competitive car insurance companies in South Dakota.

It’s a good idea to know that South Dakota car insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply improving your credit, buying a different vehicle, or getting caught speeding can cause premium changes resulting in some companies being cheaper than before.

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USAA has some of the cheapest car insurance rates in South Dakota at around $638 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also rank well as some of the cheaper South Dakota insurance companies.

As the example above demonstrates, if you have coverage with State Farm and switched to USAA, you could earn a yearly savings of in the neighborhood of $339. Drivers with Farmers Mutual of Nebraska may save as much as $368 a year, and Unitrin customers might lower prices by up to $405 a year.

To find out how much you can save, click here to get quotes or visit several of the following companies.

Bear in mind that those policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a rate decrease for homeowners. So the car insurance company that can offer you the best price may not even be featured in the chart above. That point stresses why you need to compare prices as often as possible using your own personal information and vehicle type.

Careless driving habits raise car insurance rates

The obvious way to earn the most affordable car insurance rates in South Dakota for people who own their homes is to be a cautious driver and avoid getting tickets or having accidents. The chart below illustrates how violations and at-fault collisions can influence annual premium costs for each different age group. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

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In the previous chart, the average cost of auto insurance per year with no violations or accidents is $1,074. Receive two speeding tickets and the average cost swells to $1,518, an increase of $444 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for homeowners jumps again to an average of $1,965. That’s an increase of $891, or $74 per month, just for not driving carefully!

Progressive vs Geico vs Allstate vs State Farm

If you are shopping around for car insurance for people who own their homes in South Dakota, the most popular companies are Progressive, Geico, Allstate, and State Farm. If you add them together, they insure over 45% of all policies written in the United States. The following table compares and contrasts some of the different options that are available for policyholders.