Cheap Car Insurance Quotes for Infrequent Drivers in South Dakota

Cheap Car Insurance Quotes for Infrequent Drivers in South Dakota

The type of vehicle needing coverage is one of the main factors when quoting affordable auto insurance for infrequent drivers. Vehicles with high performance, poor crash test ratings, or a track record of large liability claims will cost more to insure than more modest models. The next list shows coverage premiums for some of the most cost-effective vehicles to buy coverage for.

Cheapest Auto Insurance Rates for Infrequent Drivers in South Dakota
Insured Vehicle Estimated Cost for Full Coverage
Ford F-150 STX Super Cab 2WD $743
Subaru Forester X Premium AWP AWD $766
Toyota Prius $772
Ford Escape XLS 4WD $781
Honda Accord LX-P 4-Dr Sedan $786
Jeep Grand Cherokee Laredo 4WD $810
Chevrolet Malibu Hybrid $818
Toyota RAV4 Limited 4WD $810
Chevrolet Traverse LT 2WD $822
Honda CR-V EX 2WD $840
Hyundai Tucson GLS 2WD $848
Jeep Wrangler Sport Islander Package 4WD 2-Dr $855
Hyundai Santa Fe SE 4WD $857
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Prices based on single female 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, safe-driver, claim-free, and homeowner. Premium amounts do not factor in zip code location which can modify coverage prices significantly.

Based upon the rates shown, we can infer that cars like the Ford F-150, Subaru Forester, and Toyota Prius are a few of the most affordable vehicles to insure for low mileage drivers.

When shopping for insurance for low mileage drivers, one of the many criteria that impact the amount you pay each year for auto insurance is where your residence is. Cities with more crime and/or more people like Pine Ridge, Spearfish, and Mobridge tend to pay higher rates, whereas areas with less crime or weather claims have the gratification of cheap car insurance for infrequent drivers in South Dakota.

The next table sorts the higher priced cities in South Dakota for infrequent drivers in which to purchase auto insurance.

Car insurance prices in South Dakota
Rank City Annual Rate
1 Pine Ridge $1,373
2 Hot Springs $1,266
3 Spearfish $1,238
4 Lead $1,235
5 Mobridge $1,227
6 Belle Fourche $1,226
7 Sturgis $1,201
8 Box Elder $1,193
9 Rapid Valley $1,175
10 Rapid City $1,146
11 Pierre $1,145
12 Yankton $1,087
13 Huron $1,072
14 Dell Rapids $1,064
15 Milbank $1,064
16 Mitchell $1,057
17 Madison $1,043
18 Vermillion $1,040
19 Harrisburg $1,033
20 Brandon $1,024
21 Tea $1,023
22 Aberdeen $1,022
23 Watertown $1,015
24 Sioux Falls $995
25 Brookings $991
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Rate information is approximated as vehicle location can alter price quotes noticeably.

Cost comparison with and without full coverage

Finding cheap car insurance for infrequent drivers in South Dakota is probably important to the majority of people, and one common way to pay less for insurance is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of insurance premiums with and without physical damage coverage. The rates are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.

As an average, comprehensive and collision coverage on your policy costs an additional $1,715 per year over having just liability coverage. That may make you wonder if buying full coverage is worth the expense. There is no set guideline for phasing out physical damage insurance, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Bad driving habits will cost you more

A great way to obtain the cheapest insurance rates for low mileage drivers is to drive cautiously and avoid getting tickets or having accidents. The information below highlights how speeding tickets and at-fault fender-benders can raise auto insurance rates for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of car insurance in South Dakota per year with no violations or accidents is $1,654. Get written up for one speeding ticket and the average cost increases to $1,868, an increase of $214 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance for infrequent drivers goes up to an average of $3,879. That’s an increase of $2,226, or $185 per month, just for not paying attention while driving!

Find cheap car insurance for infrequent drivers in South Dakota

The list below details many money-saving ideas that can help you locate cheaper coverage.

  • Being accident-free can lower rates significantly
  • Higher credit scores can equal lower rates
  • Frequent claims may make car insurance unaffordable
  • Do not get traffic citations
  • Buy a vehicle with excellent safety ratings
  • Shop your coverage around for the best deal

That final tip is particularly valuable, as was pointed out in this article. Coverage rates can change considerably in a year, so don’t be unwilling to switch carriers if a better rate can be found. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that devotedness results in you overpaying thousands of dollars over several years. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for infrequent drivers.