Cheapest Car Insurance for First-time Drivers in South Dakota

Cheapest Car Insurance for First-time Drivers in South Dakota

The words “economical” and “insurance” probably shouldn’t be used in the same sentence, in particular when you are searching for the lowest insurance rates for first-time drivers. Because it’s so expensive, let’s introduce you to a few of the factors that determine auto insurance prices, and find out if you can take a little off your next policy.

The safety and performance level of the vehicle you are insuring is a large factor when quoting the cheapest car insurance for first-time drivers in South Dakota. Vehicles with lots of speed or power, a lack of modern safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below ranks auto insurance rates for the most affordable vehicles to insure.

Auto Insurance Rates for Popular Cars in South Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $3,002 $1,501 $250
Ford Focus S 4-Dr Sedan $2,976 $1,488 $248
Ford Fusion Hybrid 4-Dr Sedan $3,822 $1,911 $319
Hyundai Elantra GLS 4-Dr Sedan $3,162 $1,581 $264
Kia Optima EX $3,432 $1,716 $286
Nissan Altima 2.5 S 4-Dr Sedan $3,162 $1,581 $264
Toyota Camry XLE $3,162 $1,581 $264
Volkswagen Jetta S 4-Dr Sedan $3,002 $1,501 $250
Get a Custom Quote for Your Car Go

Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in South Dakota location which can influence coverage prices noticeably.

Auto Insurance Rates for Popular SUVs and Crossovers in South Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Suburban LTZ 4WD $3,210 $1,605 $268
Chevrolet Traverse LS 2WD $2,552 $1,276 $213
Ford Escape XLT 2WD $2,526 $1,263 $211
Ford Explorer Eddie Bauer 4WD $3,026 $1,513 $252
GMC Acadia SLE AWD $3,002 $1,501 $250
GMC Terrain SLE 2WD $2,712 $1,356 $226
Honda CR-V LX 4WD $2,526 $1,263 $211
Honda Pilot EX 2WD $2,866 $1,433 $239
Hyundai Tucson GLS 2WD $2,816 $1,408 $235
Jeep Grand Cherokee Laredo 2WD $3,002 $1,501 $250
Nissan Pathfinder LE 4WD $3,026 $1,513 $252
Toyota 4Runner Sport 2WD $2,576 $1,288 $215
Toyota Highlander Sport 4WD $3,026 $1,513 $252
Toyota RAV4 Sport 2WD $3,002 $1,501 $250
Get a Custom Quote for Your SUV or Crossover Go

Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can affect prices noticeably.

Insurance Rates for Popular Pickup Trucks in South Dakota
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 4WD $2,526 $1,263 $211
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $3,396 $1,698 $283
Chevrolet Silverado LTZ Extended Cab 2WD $3,432 $1,716 $286
Dodge Ram 3500 Crew Cab Laramie 2WD $3,396 $1,698 $283
Dodge Ram Crew Cab Sport 4WD $3,456 $1,728 $288
Ford F-150 FX4 Super Cab 4WD $3,026 $1,513 $252
Ford F-350 XL Super Cab Turbo Diesel 2WD $3,236 $1,618 $270
GMC Sierra 2500HD SLE Regular Cab 2WD $3,432 $1,716 $286
GMC Sierra SLT Crew Cab 4WD $3,370 $1,685 $281
Toyota Tundra Limited Crew MAX 2WD $3,432 $1,716 $286
Get a Custom Quote for Your Truck Go

Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates substantially.

One of the many considerations that help set car insurance rates is the neighborhood you call home in South Dakota. More densely populated places like Pine Ridge, Hot Springs, and Lead will most likely have higher rates, whereas areas that are not as densely populated tend to receive cheaper rates.

The following table shows the highest-priced places in South Dakota for first-time drivers to buy an auto insurance policy in.

Car insurance prices in South Dakota
Rank City Premium Per Year
1 Pine Ridge $1,415
2 Spearfish $1,275
3 Hot Springs $1,266
4 Belle Fourche $1,263
5 Lead $1,235
6 Box Elder $1,205
7 Sturgis $1,201
8 Mobridge $1,179
9 Rapid Valley $1,175
10 Rapid City $1,146
11 Pierre $1,145
12 Yankton $1,120
13 Milbank $1,086
14 Mitchell $1,068
15 Huron $1,062
16 Aberdeen $1,053
17 Madison $1,043
18 Brandon $1,034
19 Dell Rapids $1,033
20 Harrisburg $1,023
Start a Quote Go

Table data uses approximated as specific location information can raise or lower insurance rates considerably.

Shopping around for low-cost auto insurance is challenging, and finding out which companies have the lowest-priced insurance rates for first-time drivers takes even more shopping around. Policy rates will most likely be much more expensive than the average rate in South Dakota because of the potential for more claims that goes along with selling coverage for new drivers, but reasonably-priced coverage may be achievable if you are thorough. Every insurance company has a different process for setting rates, so we need to take a look at the lowest cost insurance companies in South Dakota.

It’s important to know that South Dakota insurance rates are impacted by many factors that can increase the cost of your policy. Improving your credit score, buying a home, or getting a speeding ticket can trigger rate changes that can cause some rates to be affordable when they were higher priced.

Find the Cheapest Auto Insurance for Inexperienced Drivers

Start Your Free Quote

What’s the cheapest car insurance in South Dakota?
Rank Company Cost Per Year
1 USAA $650
2 Auto-Owners $924
3 State Farm $997
4 Farmers Mutual of Nebraska $1,006
5 Western National $1,068
6 Unitrin $1,075
7 Farmers $1,077
8 Allied $1,121
9 Buckeye $1,155
10 Farm Bureau Mutual $1,259
11 Progressive $1,268
12 American Family $1,422
13 Allstate $1,583
14 North Star $1,613
15 GEICO $1,683
16 National Farmers Union $1,919
17 Safeco $2,454
Get Personalized Rates Go

USAA may have some of the cheapest car insurance rates in South Dakota at around $650 each year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National would also be considered some of the cheapest South Dakota insurance companies.

As shown above, if you currently have a policy with Western National and switched to Auto-Owners, you may realize savings of approxmiately $144. Policyholders with Unitrin might save as much as $151 a year, and Farmers policyholders might lower prices by up to $153 a year.

If you want to find out if you’re overpaying, click here to get quotes or visit any of the low-priced companies below.

These premium estimates are averaged across all drivers and vehicles in South Dakota and and are not figured with a rate surcharge for first-time drivers. So the insurer that is best suited for you may not even be included in the list above. That point stresses why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Drive safe and save

One of the best ways to earn the cheapest insurance premiums in South Dakota for new drivers is to be an attentive driver and avoid accidents and violations. The illustration below shows how speeding tickets and at-fault fender-benders can influence car insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of car insurance in South Dakota per year with no accidents and a clean driving record is $2,266. Get written up for one speeding ticket and the average cost surges to $2,551, an increase of $285 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for first-time drivers increases to an average of $4,975. That’s an increase of $2,709, or $226 per month, just for not driving carefully!

South Dakota insurance companies

Choosing the highest-rated company can be difficult considering how many companies sell insurance in South Dakota. The company ratings displayed below could help you select which car insurance companies you want to consider comparing price quotes from. The ratings below are for companies with a nationwide focus, so smaller regional companies are not taken into consideration for this list.

Top 10 Major 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

Top 10 Major Car 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