Who Has the Cheapest Car Insurance Quotes for State Employees in South Dakota?

In a perfect world, we could tell you the one auto insurance company that has the best car insurance rates in South Dakota. Unfortunately, it’s just not that easy, as there are a lot of unknown aspects like whether you are male or female, how old you are, and the insurance company you are currently insured with, that all influence how much you pay for auto insurance. This article should teach you a little about the types of things that cause high car insurance rates and will hopefully give the reader a solid foundation to find cheaper car insurance in South Dakota.

One of the key factors that help set auto insurance rates is the neighborhood you call home. Areas that are more densely populated or have higher claim rates like Pine Ridge, Hot Springs, and Spearfish tend to have higher rates, whereas areas with less traffic congestion and claims tend to receive cheaper rates.

The information below lists the most costly cities in South Dakota for state employees to purchase a policy in.

Rate quotes are comparative as the vehicle garaging location can change premium rates considerably.

Finding out which companies offer the lowest-priced auto insurance rates for state employees will take a tad more effort in order to find the best policy.

Each auto insurance company uses a slightly different approach to set premium rates, so we’ll take a look at the most budget-friendly auto insurance companies in South Dakota.

Find the Cheapest Auto Insurance in South Dakota

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USAA quotes some of the lowest car insurance rates in South Dakota at around $657 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin are also some of the lowest-priced South Dakota car insurance companies.

As illustrated above, if you are a customer of State Farm and switched to USAA, you may realize an annual savings of in the neighborhood of $310. Insureds with Farmers Mutual of Nebraska could save as much as $349 a year, and Unitrin policyholders might lower prices by $376 a year.

To find out how much you can save, click here to get a free quote or click several companies below for low rates.

Understand that those policy prices are averaged for all ages of drivers and types of vehicles and are not factoring in a price discount for state employees. So the insurer that has the cheapest rates for you may not even be in the list above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The vehicle you are seeking coverage for is one of the largest considerations that determines whether or not you find cheaper coverage for state employees. Vehicles with economical engines, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The data below shows insurance premiums for some of the most budget-friendly vehicles to buy insurance for.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in zip code location which can increase or decrease coverage rates substantially.

Looking at the numbers, you can assume that models like the Ford Escape, Subaru Forester, Honda CR-V, and Chevrolet Traverse are most likely going to be a few of the more affordable vehicles to insure for state workers.

Cheapest car insurance: Geico, Allstate, State Farm, or Progressive

When comparing auto insurance, probably the best companies to start with are Geico, Allstate, State Farm, and Progressive. Combined they insure over 48% of all car insurance policies in America. The table below shows ratings and policy coverage options that are available from each company.