Best Insurance for Teen Drivers in South Dakota

If you are looking for the best auto insurance for teen drivers in South Dakota, you might want to compare the rates and features of different companies. According to NerdWallet and U.S. News, here are the top five major auto insurance companies that offer coverage for teens in South Dakota and their average annual cost of insurance for teens, along with some details about their benefits and drawbacks:

- American Family Insurance: $3,028. This company offers the cheapest rates for teen drivers in South Dakota, as well as discounts for good grades, safe driving and completing a driver education course. It also has a Teen Safe Driver program that monitors driving behavior and provides feedback and coaching. However, it has a lower customer satisfaction rating than some of its competitors and may not be available in all areas of the state.

- State Farm: $3,377. This company also has discounts for good students, driver training and accident-free driving. It also has a Drive Safe & Save program that tracks driving habits and rewards safe drivers with lower rates. It has a high customer satisfaction rating and a wide network of agents. However, it may not offer the lowest rates for drivers with poor credit or a history of violations or accidents.

- USAA: $3,271. This company has low rates for teens who are members of military families and offers discounts for good grades, driver training and safe driving. It also has a Family Legacy program that allows parents to pass on their membership and benefits to their children. It has an excellent customer satisfaction rating and a variety of online tools and resources. However, it is only available to military members and their families and may not have local agents in some areas.

- Geico: $3,752. This company has discounts for good students, driver education and defensive driving courses. It also has a DriveEasy app that monitors driving behavior and gives feedback and tips. It has a good customer satisfaction rating and a user-friendly website and mobile app. However, it may not have the best rates for drivers with high-risk profiles or complex insurance needs.

- Nationwide: $3,893. This company has discounts for good students, accident-free driving and completing a driver safety program. It also has a SmartRide program that tracks driving habits and offers discounts for safe drivers. It has a decent customer satisfaction rating and a range of optional coverages such as roadside assistance, rental car reimbursement and gap insurance. However, it may not have the most competitive rates for drivers with low credit scores or multiple claims.

These rates are based on the average of 17-year-old male and female drivers with full coverage and a 2020 Toyota Camry L. The rates may vary depending on your location, driving record, vehicle model, coverage level and other factors.

All of these companies provide liability, collision, comprehensive and uninsured/underinsured motorist coverage, as well as optional coverages such as roadside assistance, rental car reimbursement and gap insurance. You can compare their features and customer reviews online or contact an agent for more information.

Citations:

: https://www.nerdwallet.com/article/insurance/cheapest-car-insurance-in-south-dakota-sd

: https://www.usnews.com/insurance/auto/cheap-car-insurance-south-dakota