Who Has the Cheapest Insurance Quotes for a Toyota 4Runner in South Dakota?

Buying cheaper car insurance for a Toyota 4Runner in South Dakota hinges on a lot of rating factors like the safety rating for your 4Runner, if you have ever had a gap in coverage, and if you have a clean driving record. Drivers pay an average of $760 every 12 months to insure a Toyota 4Runner, but that policy rate is a ballpark figure that uses rate data for a 40-year-old married female that purchased full coverage including both comprehensive and collision and $500 physical damage deductibles.

There is a high probability that you may not be 40 years old (or even female), possibly single instead of married, or you just prefer to insure for liability only. Just a minor change in rating factors can make a large difference in the policy rate.

Every driver has different characteristics, so the only way to find cheap auto insurance rates for your Toyota is to just take the time to compare rates yourself. Quotes are free and easy and you will receive rate quotes from some of the best insurers that sell coverage in South Dakota.

View Toyota 4Runner Insurance Rates

The trim level of your 4Runner will likely have an effect on the yearly cost, so the price you will pay to insure a 4Runner Sport 2WD trim level will be $128 less than the price to insure the more well-appointed 4Runner Limited 4WD trim level, as shown below.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can revise prices considerably.

Best insurance in South Dakota

Buying coverage from the best car insurance company can be difficult considering how many companies sell coverage in South Dakota. The ranking data listed below could help you select which car insurance companies to look at when shopping insurance around for a Toyota 4Runner. The rankings below are for companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into these rankings.

Get discounts on South Dakota car insurance

Car insurance companies that sell the cheapest insurance for a Toyota 4Runner in South Dakota may also provide premium discounts that can reduce rates by 40% or more if you can meet the requirements. A few popular companies and the discounts they provide include:

The example below shows the difference between insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no accidents or driving violations, South Dakota state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, marriage, defensive driving course, accident-free, homeowner, and safe-driver discounts applied. In this example, the average amount saved each year on insurance for a Toyota 4Runner is % or $.

Safe drivers South Dakota pay cheaper rates

The easiest method to score the cheapest insurance rates in South Dakota for a 4Runner is to be a good driver and not have accidents or get tickets. The chart below demonstrates how traffic citations and at-fault fender-benders can increase car insurance costs for different age groups. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

The chart shows that the average cost of a car insurance policy in South Dakota per year with no accidents and a clean driving record is $1,230. Receive two speeding tickets and the average cost swells to $1,636, an increase of $406 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for a Toyota 4Runner increases to an average of $2,037. That’s an increase of $807, or $67 per month, just for not being more responsible behind the wheel!

How to find economical auto insurance for a Toyota 4Runner

The list below summarizes some of the recommended penny-pinching ideas that can help you find lower-cost coverage.

• Do not pay for full coverage if not needed
• Claim-free policyholders usually earn a discount
• Tickets and violations raise rates
• Drive vehicles with five-star safety ratings
• Insure your home and auto with the same company
• Do not get into accidents that are your fault
• Compare prices as often as possible

The last tip in the list is extremely critical, as we noted in this write-up. Auto insurance prices change a lot, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.

Having a favorite company is great, but it isn’t a good idea if that dedication is costing a small fortune year after year. Now is a great time to shop around to find cheaper car insurance for a Toyota 4Runner.

Who is cheaper: Geico, Progressive, State Farm, or Allstate?

When it comes to insurance for a 4Runner, four companies to consider are Geico, Progressive, State Farm, and Allstate. Between them, they make up over 48% of all vehicles in the U.S.. All of them have unique options and discounts that shoppers can select from. The following table compares price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.

Who has the cheapest Toyota 4Runner insurance quotes?

Thanks to technology, drivers have a lot of ways to comparison shop for insurance in South Dakota, but the most frequently used methods are from an independent agent, a captive (or exclusive) agency such as Allstate or Liberty Mutual, or from a direct company like Progressive or Geico. You can use whichever you prefer, but insurance shoppers should know the differences in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can compare rates with each one. These types of agents do not sell for just one brand and can quote rates with many companies, which can give you the best shot at cutting your rates. If they quote lower rates, you can get a different policy which is easy for the insured.

A captive, or exclusive, agent is ‘exlusive’ to a single insurance company such as an Allstate or Liberty Mutual agent. Exclusive agents cannot compare other company’s rates, so it’s a good idea to get additional quotes.

The third way to buy insurance is direct which means you skip an agent and instead buy from a direct company like Progressive. This insurance option may be good for consumers who have little risk and know more than average about what coverages, limits, and deductibles they need.

Which method works best for finding the cheapest insurance for a Toyota 4Runner in South Dakota? It would be easy to say buying direct saves the most money since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. And we’d like to say an independent agent is the best way due to having more companies to select from, but that assumption is also not necessarily accurate. And often times, exclusive agencies have price quotes that are the lowest in South Dakota.

Due to that fact that insurance uses so many rating variables, really the only way to get rock-bottom rates is to get quotes and compare. It takes a little work, but we recommend you get prices from all three types to give yourself the best selection. For a list of companies offering online discounts, click here to view.