Most drivers in South Dakota can get cheap car insurance. Your rates will vary depending on many factors. Shop around and get quotes from multiple companies before making your decision. WalletHub's auto insurance comparison tool helps you to find the best rate for your situation.
All Drivers are eligible for low rates
South Dakota auto insurance is typically cheaper for drivers with good driving records. It is because insurance companies view safe drivers as being less likely to make a claim. Consider switching to a policy based on usage or lowering your insurance deductible if you are a safe driver.
Liability Insurance Minimum Coverage Requirement
South Dakota mandates that all drivers carry liability insurance. This covers damages to a third party or their property in the event of an accident. The more comprehensive coverage protects you against theft, vandalism, weather and other incidents. But it is costly.
Discounts are also available if you hold other insurance policies with the company. This includes health and life insurance. You can often save money on your insurance by doing this. But, you should check with your insurance agent to see if there are any discounts available.
Teen drivers - high rates
Insurers will charge more for young drivers, particularly if they have bad records or speeding tickets. 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
While the majority of companies do not provide a discount on the basis of marital status, there are some that do. Progressive, for example, offers a $41 off per month full coverage for married drivers. This translates to 24% lower costs, which is quite a difference.
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.
Many insurance companies offer senior citizens discounts when they have multiple types of insurance. This is true in particular for homeowner's and renters insurance. These policies often offer discounts when purchased as a package.
Discounts for Military Drivers
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.
Selecting a policy can be tricky, since some insurance companies will only insure those who are members of certain programs or have a high 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.