Best Cheap Car Insurance Quotes for Nurses in South Dakota

The vehicle model you are buying coverage for is probably the biggest factor when comparing economical car insurance for nurses. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.

The information below presents auto insurance premiums for a number of the most cost-effective automobiles to insure.

Table data represents single 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-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific garaging location which can change insurance rates noticeably.

Prices 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, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific location which can modify coverage prices considerably.

Prices above 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 multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates substantially.

Finding out which company offers the cheapest auto insurance rates for nurses will take more work in order to find coverage that fits your buget. Each auto insurance company has a unique approach to set policy rates, so let’s take a look at the most budget-friendly 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 significantly increase or decrease the policy premium. Turning one year older, buying a different home, or having an at-fault accident can trigger rate changes that can now make some companies cheaper than competitors.

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USAA generally has some of the cheapest car insurance rates in South Dakota at around $631 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin would also be considered some of the most economical South Dakota car insurance companies.

As depicted above, if you are insured with Auto-Owners and switched to USAA, you might achieve a yearly price reduction of around $266. South Dakota drivers with State Farm might save as much as $366 a year, and Farmers Mutual of Nebraska insureds might lower prices by up to $405 a year.

Remember that these policy prices are averaged across all drivers and vehicles in South Dakota and and are not calculated with a price decrease for nurses. So the insurer that is most affordable for your situation may not even be featured in the above list. That points out the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

For South Dakota drivers, one of the factors that aid in calculating the policy price is the neighborhood you call home in South Dakota. Regions with larger populations or more claims like Pine Ridge, Hot Springs, and Belle Fourche are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of the best cheap auto insurance for nurses in South Dakota.

The following table shows the most expensive places in South Dakota for nurses in which to purchase auto insurance.

Rate information is approximated as the specific South Dakota residence address can revise rates considerably.

Ratings for South Dakota auto insurance companies

Ending up with a high-quality car insurance company is hard considering how many different insurance companies sell coverage in South Dakota. The company ratings in the next section can help you decide which coverage providers to look at comparing rates with.

These ratings are only comprised of companies with a national presence, so companies that have a smaller presence are not taken into consideration for the list. To get price quotes from these and other companies in South Dakota, just click here.

Top 10 Large Car Insurance Companies in South Dakota Ranked by Claims Service

1. Progressive
2. Liberty Mutual
3. Nationwide
4. USAA
5. GEICO
6. AAA Insurance
7. Safeco Insurance
8. Esurance
9. The General
10. The Hartford

Does full coverage make sense?

Finding the best cheap auto insurance for nurses in South Dakota is important to most vehicle owners, and an easy way to buy cheap insurance is to only pay for liability coverage. The information below compares insurance costs with full coverage compared to only the South Dakota minimum liability coverage. The data assumes no claims or driving citations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

As an average, comprehensive and collision coverage on your policy costs an extra $1,344 per year over and above liability coverage. That is a significant amount which raises the question if buying full coverage is a waste of money. There is no specific rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

Company comparison: Allstate vs State Farm vs Progressive vs Geico

When buying auto insurance, some of the first companies to look at are Allstate, State Farm, Progressive, and Geico. The data below ranks ratings and policy coverage options shoppers can expect to find with each one.