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Get Cheap Car Insurance in Reva, SD

We monitor insurance prices, helping the average driver in Reva save up to 28.9% on car insurance.

 

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The Cheapest Minimum Coverage in Reva

The chart below shows the cheapest car insurance company in Reva for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by American Family Insurance, Midvale Home & Auto, and State Farm.

 
Reva Insurer Monthly Cost
Auto-Owners Insurance $28
American Family Insurance $31
Midvale Home & Auto $32
State Farm $32

Savings for Every Kind of Reva Driver

The table shows how much the average auto insurance customer in Reva might save by following our recommendations.

Based on our extensive insurance data, we know the average Reva driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $367 per year by choosing the right vehicle insurance company. Some Reva residents are paying out over $1,771 extra every year for auto insurance in Reva. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Reva Car Insurance vs. South Dakota

People living in Reva pay an average of 7.31% more than the typical driver in the state. The average driver in Reva can expect to pay about $485 per year, or $1,771 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Reva for most people.

Car Insurance Prices by Reva Neighborhood

Reva, SD map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Reva?

The map shows insurance prices in and around Reva, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,771 to a low of $1,771. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Reva.

Pick the Best Car Insurance Company for You in Reva

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Reva insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Reva

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $367 over the average Reva car insurance company.

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We use the average good driver, paying $117 per month, as our baseline for pricing in Reva. State Farm, Auto-Owners Insurance, and Farmers Mutual of Nebraska are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Reva drivers with accidents on their records

In Reva getting into an accident will raise premiums an average 32% for a yearly cost of $2,611. That's $840 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Auto-Owners Insurance, and Farmers Mutual of Nebraska are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $741 over the competition.

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The best car insurance company for Reva drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $573 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Reva, tickets raise premiums on new quotes about $503. If you have a speeding ticket, we recommend State Farm, Farmers Mutual of Nebraska, and Auto-Owners Insurance for savings that beat the average insurance cost of $2,274 per year.

The best auto insurance for Reva drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,890 per year in auto insurance premiums, which was $1,119 more than a driver with no major issues. State Farm, Dairyland, and Midvale Home & Auto penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $834 less each year.

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The least expensive car insurance company for new and young drivers in Reva

In Reva, State Farm costs young drivers $1,385 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in Reva. With an average cost of $5,080 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farmers Mutual of Nebraska, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Reva

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $132. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Reva.

State Farm gave the largest car insurance discounts to married couples, averaging $405 saved each year compared to an average Reva couple's premiums.

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The cheapest car insurance in Reva for drivers with bad credit

People with poor credit saved an average of $634 with Farmers Mutual of Nebraska.

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Many people are surprised that their poor credit score can cost them an average of $1,192 every year. Premiums for people with poor credit were about $2,963 in Reva. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Farmers Mutual of Nebraska.

The best Reva car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Reva, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Reva.

Nationwide was the best company for customer service in Reva according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Reva, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Reva. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Reva

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 35% of Reva residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Reva driver can expect to pay about $111 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Reva, USAA has the best prices for drivers with bad credit, drivers with a DUI conviction, good drivers, young drivers, drivers with accidents, drivers with speeding tickets, and married couples.
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Auto Insurance Prices in and Around Reva

What Influences the Cost of Car Insurance in Reva?

On average, car insurance in Reva is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Reva is 20 minutes, which is far less than average for a driver in the state.
  • South Dakota state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Reva are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Reva is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Reva is $40 per month for minimum coverage and $148 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

  • Sorum: Insurance costs 0.79% less
  • Ludlow: Insurance costs the same
  • Ralph: Insurance costs 0.79% less
  • Prairie City: Insurance costs 1.81% less
  • Zeona: Insurance costs 1.13% less
  • Hoover: Insurance costs 2.15% less
  • Strool: Insurance costs 1.75% less
  • Buffalo: Insurance costs the same
  • Redig: Insurance costs 1.13% less
  • Vessey: Insurance costs the same

Cities with Similar Populations

  • Onemo: Insurance costs 34.33% less
  • Putnam: Insurance costs 8.13% less
  • Purcell: Insurance costs 13.44% less
  • Perth: Insurance costs 33.71% less
  • Persia: Insurance costs 21.46% less
  • Peoli: Insurance costs 37.10% less
  • Owl City: Insurance costs 21.91% less
  • Ovid: Insurance costs 38.11% less
  • Osgood: Insurance costs 31.00% less
  • Opheim: Insurance costs 6.55% less
* Who is the average Reva driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Reva with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.