Car Insurance for Good Drivers in South Dakota

The Zebra
July 15, 2019

Car insurance for good drivers in South Dakota

Many of the factors that contribute to your car insurance rates lie beyond your control: your age, location, and gender are typical rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of lower rates.

If you want to find the lowest possible car insurance rates, try to keep your driving record cleaen, your credit score high, and your monthly mileage low. Insurers provide price cuts to low-risk clients, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below example rates from top companies for low-risk customers in South Dakota.

Auto insurance rates for drivers with no citations in South Dakota

One way to reduce your auto insurance rates is to avoid tickets and citations. Car insurance companies see good drivers as less risky customers and assign them more affordable rates. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your insurance comparison journey with State Farm, which offers an average annual insurance rate of $987. That totals $382less than the average car insurance rate for citation-free drivers in South Dakota.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN SOUTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$987
Allied$1,031
Farmers Mutual of Nebraska$1,058
Unitrin$1,103
Buckeye Insurance Group$1,214
Farmers$1,248
Farm Bureau Mutual (IA Group)$1,276
Progressive$1,301

Car insurance rates for drivers with high credit scores in South Dakota

Car insurance companies reward drivers who have above-average credit. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is “good,” your best auto insurance option in South Dakota could be State Farm, offering an average annual rate of $987. If your credit score is in the “excellent” range, State Farm might be a smart place to start your search. State Farm's premiums for clients with credit scores of 800 and up are $376 per year cheaper than average rates for drivers with excellent credit in South Dakota.

Find below a breakdown of auto insurance rates in South Dakota for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN SOUTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$987
Allied$1,031
Farmers Mutual of Nebraska$1,058
Unitrin$1,103
Buckeye Insurance Group$1,214
Farmers$1,248
Farm Bureau Mutual (IA Group)$1,276
Progressive$1,301

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN SOUTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$869
Farmers Mutual of Nebraska$955
Allied$985
Unitrin$1,014
Farmers$1,123
Buckeye Insurance Group$1,156
Progressive$1,166
Western National$1,247

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN SOUTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$766
Unitrin$919
Allied$925
Western National$946
Farmers Mutual of Nebraska$955
Progressive$1,019
Farmers$1,052
Buckeye Insurance Group$1,063

Compare rates from top companies!

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Car insurance for low-mileage drivers in South Dakota

The less you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to assign lower premiums to drivers who use their cars infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a South Dakota resident who drives less than 7,500 miles per year, consider State Farm, which offers average per-year savings of $483 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN SOUTH DAKOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$886
Allied$1,031
Farmers Mutual of Nebraska$1,058
Unitrin$1,103
Farmers$1,208
Buckeye Insurance Group$1,214
Farm Bureau Mutual (IA Group)$1,221
Progressive$1,301

Start your search today — compare rates now!

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Insurance rates for good drivers in South Dakota — by city

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Auto insurers rate policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a summary of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Sioux Falls$1,125$1,125$1,000$943$1,053
Watertown$1,130$1,130$1,000$946$1,095
Brookings$1,170$1,170$1,036$979$1,123
Aberdeen$1,206$1,206$1,068$1,010$1,150
Mitchell$1,215$1,215$1,075$1,015$1,155

Find an affordable policy today!

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