Cheap Auto Insurance for Low Mileage Drivers in South Dakota

When shopping for insurance for infrequent drivers, one of the many considerations that help determine rate quotes is where your residence is. Cities with larger populations or higher claims like Pine Ridge, Spearfish, and Mobridge likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates generally have lower rates.

The following table illustrates the highest-priced places in South Dakota for low mileage drivers to buy an auto insurance policy in.

Rate quotes are comparative as the specific geographic location can influence premiums substantially.

Figuring out which company offers the cheapest insurance rates for low mileage drivers may require a little more effort in order to find the best price. Every auto insurer has a proprietary formula for setting prices, so let’s look at the rankings for the lowest cost insurance companies in South Dakota.

We do need to point out that South Dakota insurance rates are impacted by many factors that will increase or decrease the price of your policy. Improving your credit score, moving to a different location, or having an at-fault accident can cause premium changes that can now make some companies more affordable than others.

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USAA quotes some of the cheapest car insurance rates in South Dakota at around $657 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National also make the cut as some of the cheapest South Dakota car insurance companies.

In the rate table above, if you currently have coverage with Farmers Mutual of Nebraska and switched to USAA, you could realize a yearly savings of approxmiately $339. Policyholders with Western National may save as much as $379 a year, and Unitrin insureds might lower prices by $408 a year.

Be aware that those rates are averaged for all drivers and vehicles in South Dakota and are not factoring in a price decrease for low mileage drivers. So the company that fits your situation best may not even be in the rate chart shown above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.

The car, truck, or SUV needing coverage is one of the main factors that determines if you can find cheap car insurance for low mileage drivers in South Dakota. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The list below estimates coverage prices for a handful of the most affordable automobiles to insure in South Dakota.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in South Dakota location which can increase or decrease price quotes considerably.

Looking at the data, vehicles like the Honda CR-V, Hyundai Elantra, Ford Explorer, Toyota Camry, and Chevrolet Impala are most likely going to be some of the cheapest vehicles to insure for infrequent drivers.

Violations and accidents raise rates

One of the best ways to receive the best insurance prices in South Dakota for infrequent drivers is to drive safe and not get tickets or have accidents. The diagram below shows how traffic citations and at-fault collisions raise insurance costs for different age groups of insureds. The price estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $1,600. Get written up for one speeding ticket and the average cost surges to $1,816, an increase of $217 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for low mileage drivers jumps again to an average of $2,414. That’s an increase of $814, or $68 per month, just for not keeping your driving record clean!

The diagram below illustrates how your deductible choice can increase or decrease insurance rates when quoting cheap insurance for low mileage drivers. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 50-year-old driver could pocket $330 a year by switching from a $100 deductible up to a $500 deductible, or save $494 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices $1,092 annually just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it’s a good idea to have enough funds in savings to enable you to pay the extra out-of-pocket expense associated with higher deductibles.

Find cheap car insurance for low mileage drivers in South Dakota

Below you’ll find some of the better money-saving suggestions that can help South Dakota drivers find the cheapest coverage.

• Earn discounts for being claim-free
• Do not get into accidents that are your fault
• Buy vehicles with good safety ratings
• If your vehicles are older, consider dropping full coverage
• Violations and traffic tickets increase rates
• Buying your home and auto policies from the same company can earn a discount
• Compare quotes from other companies often

The last item on the list is particularly valuable, as was stressed in the prior information. Prices charged by companies can change significantly in a year, so drivers shouldn’t be resistant to switch companies if a more affordable rate is found. Loyalty to a specific company is fine, but it’s not a good idea if that devotedness results in you overpaying money that could be going to better use. Take a few minutes and compare rates to find cheaper auto insurance for low mileage drivers.