AUTO INSURANCE GUIDE
Insurance South Dakota: Best Auto Rates
Are you lucky enough to say you’ve been to the World’s only Corn Palace? The State of South Dakota is well known for its love and manufacturing of corn, as well as many other unique things.
INSURANCE SOUTH DAKOTA: CHEAPEST RATES WITH BUNDLE HOMEOWNERS DISCOUNT
What goes better than corn and butter? A Home/Auto Bundle discount! Most all Insurance companies like when you bundle your policies together, which leads you to extra savings! Maybe you’re not a homeowner yet? That’s ok, you can bundle pretty much anything including RV, Motorcycle, Renters Insurance, and more with your .
Top 10 Bundle Average Rates in South Dakota
| Nationwide | $128 |
| Acceptance RTR | $137 |
| Bristol West | $141 |
| Dairyland | $141 |
| Mendota Ins. Company | $145 |
| GAINSCO | $146 |
| 21st Century | $152 |
| AssuranceAmerica | $152 |
| The General | $152 |
| Progressive Insurance | $158 |
INSURANCE SOUTH DAKOTA: CHEAPEST FULL COVERAGE AUTO RATES
If you are financing a new vehicle in South Dakota, it is important to carry full coverage insurance on the vehicle, which includes Comprehensive and Collision coverage for your South Dakota Insurance. That way you are not out of a brand new vehicle in the event of an accident. Your insurance has you covered!
Full Coverage Average Rate
| Travelers | $144 |
| Acceptance RTR | $147 |
| Allstate | $154 |
| National General | $156 |
| Progressive Insurance | $156 |
INSURANCE SOUTH DAKOTA: MOST AFFORDABLE INSURANCE WITH GOOD CREDIT
Maintaining Good Credit has its payoffs. Insurance companies recognize the due diligence you have taken in making sure your bills are paid on time, and you will see cheaper South Dakota Insurance rates because of this.
Does your credit have you stressed? Maybe you don’t have the highest score, but there is always time to improve it. Like many big purchases in life, credit is used as a rating factor when determining a customer’s insurance premium. Keep your credit good, and your rates even better.
Good Credit vs Bad Credit Comparison
| National General | $154 |
| Acceptance RTR | $160 |
| The General | $167 |
| Geico | $170 |
| AssuranceAmerica | $172 |
| Dairyland | $127 |
| The General | $133 |
| Bristol West | $134 |
| Nationwide | $134 |
| GAINSCO | $137 |
AUTO INSURANCE SOUTH DAKOTA: LOWEST COST LIABILITY ONLY
Liability is the Minimum requirement of coverages you must carry in the State you are insured in. Each state has specific requirements, but all can be altered to better cover you.
It is important to understand what these coverages mean, and why you may need higher than the minimum required to properly cover yourself and other drivers. Check with one of our Agents with any questions regarding liability limits of you South Dakota Insurance.
State Required Liability Limits
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000 per accident
- Uninsured motorist: $25,000 per person and $50,000 per accident
- Underinsured motorist: $25,000 per person and $50,000 per accident
AUTO INSURANCE SOUTH DAKOTA: CHEAPEST RATES FOR YOUNG DRIVERS
Drivers under the age of 25 should expect to pay more on their auto insurance. With experience, you will start to see the prices decrease. And like ‘beauty comes with age’, Insurance prices drop with age as well!
Males typically get a bad rap when it comes to driving, not to say they aren’t safe drivers, but their driving habits have resulted in the highest number of Motor Vehicle Accidents. Males should expect to pay a little more in insurance prices because of this statistic.
AUTO INSURANCE SOUTH DAKOTA:
Average Monthly Rates
| Age | Male | Female |
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Discounts lead to savings! Who doesn’t love to save money? Ask your Insurance provider
for any and all discounts available to you. While some offer others don’t, the most common
offered discounts are paperless, pay in full, and auto pay.
AUTO INSURANCE SOUTH DAKOTA: BEST BROAD FORM/NON OWNERS RATES
South Dakota offers a Non Owners policy for drivers who do not own a vehicle, but need to carry at least liability insurance. As long as you are not driving any owned, or any household member owned vehicle, you will be covered for liability insurance while operating. Most cases, these types of policies are cheaper than a standard insurance policy.
Non-Owner/Broadform Rates In South Dakota
| Dairyland | $108 |
| Progressive Insurance | $109 |
| The General | $125 |
| Bristol West | $150 |
| Mendota Ins. Company | $162 |
Last Updated on by Alexandra Vileikis