Who Has Cheap Insurance Quotes for a Hyundai Santa Fe in South Dakota?

The chances of finding cheaper auto insurance for a Hyundai Santa Fe in South Dakota is contingent on an enormous amount of factors such as how long your commute is, whether or not you have had gaps between policies, and any prior driving offenses you have. South Dakota drivers on average will pay $920 every 12 months to insure their Santa Fe, but that figure is an estimate based on cost data for a 40-year-old single female who purchased full coverage including both comprehensive and collision and $500 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you had a chargeable driving offense. Insurance rates are unique for each driver, so the only real way to find the cheapest coverage for your Hyundai is to comparison shop your policy at each renewal.

View Hyundai Santa Fe Insurance Rates

The trim level of your vehicle will most likely have an effect on the cost of insurance, so the cost to insure a Santa Fe GLS 2WD trim level will be $108 lower than the price to insure the more expensive Santa Fe Limited 4WD trim level, as shown in the chart below.

Data 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 safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in specific location which can revise rates considerably.

Trying to buy cost effective auto insurance is confusing at best, and deciding which companies have the cheapest insurance rates for a Hyundai Santa Fe takes even more work. Every insurance provider has a proprietary formula to set their prices, so we’ll go over the insurance companies that tend to be cheaper in South Dakota.

Best Car Insurance Prices for Your Hyundai

Start Your Free Quote

USAA offers some of the most affordable car insurance rates in South Dakota at around $657 per year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Unitrin also rank well as some of the lowest-priced South Dakota auto insurance companies.

As shown above, if you currently have a policy with Farmers Mutual of Nebraska and switched to USAA, you might achieve savings of in the neighborhood of $369. Insureds with Unitrin may save as much as $376 a year, and Western National policyholders might realize rate reductions of up to $379 a year.

Be aware that those premium estimates are averaged across all drivers and vehicles in South Dakota and do not take into consideration a specific rate factor for a Hyundai Santa Fe. So the auto insurance company that fits your situation best may not even be shown in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

How to get discounts on South Dakota car insurance

Insurers that offer cheap insurance for a Hyundai Santa Fe in South Dakota may provide policy discounts that may potentially lower prices by 35% or more if you are eligible to receive them. Larger insurance companies and some of their more popular discounts are shown below.

• Farm Bureau may have discounts that include renewal discount, 55 and retired, youthful driver, good student, and multi-policy.
• State Farm has savings for student away at school, safe vehicle, multiple autos, good driver, anti-theft, and accident-free.
• Progressive offers discounts for multi-policy, good student, online quote discount, multi-vehicle, continuous coverage, and online signing.
• Allstate offers premium reductions for multi-policy, EZ pay plan discount, teenSMART discount, good student, defensive driver, economy car, and anti-lock brakes.
• Nationwide offers discounts including anti-theft, defensive driving, easy pay, multi-policy, good student, and family plan.
• MetLife policyholders can earn discounts including multi-policy, accident-free, good student, good driver, claim-free, and defensive driver.

The diagram below shows the comparison of premium costs with and without discounts applied to the policy rates. The premiums assume a female driver, no driving violations, no at-fault accidents, South Dakota state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, anti-theft, claim-free, passive restraint, vehicle safety, and multiple vehicle discounts applied. With discounts applied, the the average yearly reduction on insurance for a Hyundai Santa Fe is 28% or $434.

Allstate, State Farm, Geico, or Progressive: Which is best?

If you want reliable auto insurance, some of the largest companies to start with are Allstate, State Farm, Geico, and Progressive. When combined, they insure about 50% of the entire U.S. auto insurance market. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages that are available for customers.

Tips for finding low-cost car insurance for a Hyundai Santa Fe

The list below shows some thrifty ideas that can help you locate more affordable coverage.

• Assess whether full coverage is needed
• Violations and traffic tickets increase rates
• Raise physical damage deductibles
• Earn a discount by not filing claims
• Do not get into accidents
• Compare rates regularly to ensure the best deal

The last item on the list is extremely critical, as we hit on in the article above. Coverage prices in South Dakota can be changed at any time, so drivers shouldn’t be reluctant to switch to a new company if a more affordable price is available. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that dedication is costing hundreds every year. In just a couple of minutes you could compare prices to find cheaper auto insurance for a Hyundai Santa Fe.