Many drivers can find cheap car insurance in south dakota. You will pay different rates depending on various factors. You'll want to shop around for quotes from a few different companies before making a decision. WalletHub's free auto insurance comparison tool can help you find the best rates for your unique situation, so you can save money on your policy.
Good Drivers – Low Rates
South Dakota auto insurance premiums are typically lower for drivers with a clean driving record. It is because insurance companies view safe drivers as being less likely to make a claim. If you're an excellent driver, switching to a usage based policy will lower your premiums.
Liability Insurance - Required Minimum Coverage
South Dakota requires drivers to have liability insurance, which pays for damages to another person or their property if you're at fault in an accident. If you want to protect your car from theft, vandalism, and weather, then you can purchase more comprehensive insurance. However, it is expensive.
If you already have life or health insurance through the same company, then you can get a discount. This will often reduce your overall insurance costs, though it's a good idea to check with your insurance agent first to see what kind of discounts you might qualify for.
Teen drivers - high rates
If you are a young driver, expect to pay more than an older driver for your car insurance. This is especially true if you have speeding tickets or a bad driving record. You can save money by taking a driving course and improving your credit score. Some companies offer discounts for young drivers.
Married drivers - affordable costs
Most companies don't offer a discount for married drivers, but some do. Progressive offers, as an example, a $41 reduction per month on the full coverage of a married driver’s policy. This translates to 24% lower costs, which is quite a difference.
Senior Drivers can afford to pay lower rates
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 are generally safer and less likely to be involved in accidents.
Many insurance companies offer senior citizens discounts when they have multiple types of insurance. This is especially true for renters and homeowners insurance policies, which are often discounted if purchased together.
Military-Specific Companies - Lowest Prices For Eligible Drivers
If you're a member of the military, you may be eligible for discounts on your car insurance from companies like USAA. They offer discounts to military members, veterans, and family members compared to all other types of drivers.
You'll need to be careful when choosing a policy, since some carriers only provide insurance to those who are enrolled in a specific program or have a certain credit score. A good way to avoid this is to shop around for a policy that covers multiple drivers. You can then be assured that your policy will remain affordable, no matter which driver is driving the car.