Most drivers are able to get affordable car insurance in South Dakota. You will pay different rates depending on various factors. Before making a final decision, you'll want quotes from several different companies. WalletHub can help you find the lowest rates on auto insurance for your specific situation.
All Drivers are eligible for low rates
South Dakota auto insurance is typically cheaper for drivers with good driving records. This is because insurers view safe drivers as less likely to file a claim. Consider switching to usage-based policies or lowering your policy's deductible to lower your rates.
Liability Insurance - Required Minimum Coverage
South Dakota requires that drivers have liability insurance. Liability insurance pays for damages caused to other people or property when you are at fault. The more comprehensive coverage protects you against theft, vandalism, weather and other incidents. But it is costly.
It is possible to get a discount if you are insured by the same provider for other policies, such as health or life. This can reduce your total insurance costs. Check with your agent first to determine if you qualify for any discounts.
Teen Drivers - High Rates
Insurance for young drivers is more expensive than that of older drivers. This is particularly true if the driver has a criminal record or a history of speeding. Saving money on insurance is possible by taking a driver's training course or improving your credit rating. A few companies also offer discounts for younger drivers.
Married Drivers: Affordable Costs
While the majority of companies do not provide a discount on the basis of marital status, there are some that do. Progressive offers, as an example, a $41 reduction per month on the full coverage of a married driver’s policy. This means that the cost of your policy will be 24% less.
Senior Drivers - Affordable Costs
Older drivers in South Dakota are also likely to have lower average premiums than younger ones, which can be especially helpful for those over 60. Seniors tend to be safer drivers and are less likely in an accident.
Most insurance companies also give discounts to seniors who have more than just one type of policy. This is particularly true for homeowners' and renters' insurance, which often come with discounts if you buy a combined policy.
Reduced Prices for Drivers who are eligible
Companies like USAA may offer discounts to military members and veterans. These companies have lower prices for military members, veterans and their families compared to other types of drivers.
Be careful when selecting a plan, as certain carriers only offer coverage to those that are enrolled in specific programs or who have a specified credit score. This can be avoided by looking for policies which cover multiple drivers. You can then be assured that your policy will remain affordable, no matter which driver is driving the car.