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Get Cheap Car Insurance in Sunnyview, SD

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

 

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The Cheapest Minimum Coverage in Sunnyview

The chart below shows the cheapest car insurance company in Sunnyview 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.

 
Sunnyview Insurer Monthly Cost
Auto-Owners Insurance $24
American Family Insurance $27
Midvale Home & Auto $28
State Farm $28

Savings for Every Kind of Sunnyview Driver

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

Based on our extensive insurance data, we know the average Sunnyview 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 $313 per year by choosing the right vehicle insurance company. Some Sunnyview residents are paying out over $1,510 extra every year for auto insurance in Sunnyview. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Sunnyview Car Insurance vs. South Dakota

People living in Sunnyview pay an average of 8.48% less than the typical driver in the state. The average driver in Sunnyview can expect to pay about $414 per year, or $1,510 for full coverage.

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

Car Insurance Prices by Sunnyview Neighborhood

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

Insurance Prices

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Where is insurance cheapest within Sunnyview?

The map shows insurance prices in and around Sunnyview, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $122 per year within the city boundaries, with insurance premiums ranging from a high of $1,581 to a low of $1,459. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Sunnyview.

Pick the Best Car Insurance Company for You in Sunnyview

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 Sunnyview insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Sunnyview

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $313 over the average Sunnyview car insurance company.

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We use the average good driver, paying $100 per month, as our baseline for pricing in Sunnyview. 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 Sunnyview drivers with accidents on their records

In Sunnyview getting into an accident will raise premiums an average 32% for a yearly cost of $2,227. That's $717 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 $632 over the competition.

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The best car insurance company for Sunnyview drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $489 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 Sunnyview, tickets raise premiums on new quotes about $429. 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 $1,939 per year.

The best auto insurance for Sunnyview drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,465 per year in auto insurance premiums, which was $955 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 $711 less each year.

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

In Sunnyview, State Farm costs young drivers $1,181 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 Sunnyview. With an average cost of $4,332 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 Sunnyview

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $113. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Sunnyview.

State Farm gave the largest car insurance discounts to married couples, averaging $345 saved each year compared to an average Sunnyview couple's premiums.

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The cheapest car insurance in Sunnyview for drivers with bad credit

People with poor credit saved an average of $541 with Farmers Mutual of Nebraska.

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Many people are surprised that their poor credit score can cost them an average of $1,017 every year. Premiums for people with poor credit were about $2,527 in Sunnyview. 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 Sunnyview car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Sunnyview, 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 Sunnyview.

Nationwide was the best company for customer service in Sunnyview 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 Sunnyview, 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 Sunnyview. 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 Sunnyview

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Sunnyview 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 Sunnyview 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 Sunnyview, 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 Sunnyview

What Influences the Cost of Car Insurance in Sunnyview?

On average, car insurance in Sunnyview is actually less expensive than the rest of the state. These low 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 Sunnyview is 20 minutes, which is a little 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 Sunnyview are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Sunnyview is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Sunnyview is $34 per month for minimum coverage and $126 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

  • Brookings: Insurance costs 0.46% more
  • Aurora: Insurance costs 0.40% less
  • Volga: Insurance costs 1.19% less
  • Bushnell: Insurance costs 2.38% more
  • Nunda: Insurance costs 1.19% more
  • Bruce: Insurance costs 1.13% more
  • Rutland: Insurance costs 2.12% more
  • White: Insurance costs 0.20% less
  • Sinai: Insurance costs 0.73% more
  • Elkton: Insurance costs 1.19% more

Cities with Similar Populations

* Who is the average Sunnyview driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Sunnyview 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.