Cheap Auto Insurance Quotes in South Dakota

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South Dakota Car Insurance Averages for Annual Premiums

$314
Minimum Coverage Average
$1597
Full Coverage Average
$872
All Coverage Types Average

Save Big on South Dakota Vehicle Insurance

South Dakota seems to have it all. Even low car insurance premiums thanks to the help of Insureist™.

South Dakota is home to 168000 miles of roadway.  Drivers in South Dakota have 38.8 vehicles registered per 100 people living in the state.  With a total of 343000 vehicles registered, a solid vehicle insurance policy is critical for every South Dakota driver.

 

Cheapest Car Insurance in South Dakota

Getting cheap car insurance in South Dakota doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get South Dakota affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in South Dakota

The Insureist™ Data Science team ranks the best insurance companies in South Dakota using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in South Dakota are determined based on these results.

Car Insurance in South Dakota

South Dakota Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in South Dakota to give you an idea of the average insurance premium in each city.  SD insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of South Dakota Car Insurance Quotes

The cheapest insurance companies in South Dakota will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in South Dakota. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of South Dakota.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for SD car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for SD auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some SD insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

South Dakota SR‌-22 Insurance

You will need to get SR‌-22 insurance in SD if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in SD files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - South Dakota Car Insurance & Driving Facts

Which car insurance is best in South Dakota?

The best car insurance company in South Dakota will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple SD insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in South Dakota?

The minimum auto insurance liability coverage required in the state of South Dakota is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in South Dakota, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional SD auto insurance coverage depending on your financial situation.

How much does car insurance cost in South Dakota?

The average annual cost of an auto insurance policy in South Dakota is $872. The average minimum coverage annual cost in South Dakota is $314. The average full coverage annual cost in South Dakota is $1597.

How does car insurance work in South Dakota?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in South Dakota?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

South Dakota Map

South Dakota

Vehicle Insurance

Cities

South Dakota () is a U.S. state in the Upper Midwest region of the United States. It is named after the Lakota and Dakota Sioux Native American tribes, who comprise a large portion of the population and historically dominated the territory. South Dakota is the seventeenth largest by area, but the 5th least populous, and the 5th least densely populated of the 50 United States. As the southern part of the former Dakota Territory, South Dakota became a state on November 2, 1889, simultaneously with North Dakota. It is either the 39th or 40th state admitted to the union. President Benjamin Harrison shuffled the statehood papers before signing them so that no one could tell which became a state first.Pierre is the state capital and Sioux Falls, with a population of about 187,200, is South Dakota's largest city.

South Dakota is bordered by the states of North Dakota (to the north), Minnesota (to the east), Iowa (to the southeast), Nebraska (to the south), Wyoming (to the west), and Montana (to the northwest). The state is bisected by the Missouri River, dividing South Dakota into two geographically and socially distinct halves, known to residents as "East River" and "West River".

Eastern South Dakota is home to most of the state's population, and the area's fertile soil is used to grow a variety of crops. West of the Missouri River, ranching is the predominant agricultural activity, and the economy is more dependent on tourism and defense spending. Most of the Native American reservations are in West River. The Black Hills, a group of low pine-covered mountains sacred to the Sioux, are in the southwest part of the state. Mount Rushmore, a major tourist destination, is there. South Dakota has a temperate continental climate, with four distinct seasons and precipitation ranging from moderate in the east to semi-arid in the west. The state's ecology features species typical of a North American grassland biome.

Humans have inhabited the area for several millennia, with the Sioux becoming dominant by the early 19th century. In the late 19th century, European-American settlement intensified after a gold rush in the Black Hills and the construction of railroads from the east. Encroaching miners and settlers triggered a number of Indian wars, ending with the Wounded Knee Massacre in 1890. Key events in the 20th century included the Dust Bowl and Great Depression, increased federal spending during the 1940s and 1950s for agriculture and defense, and an industrialization of agriculture that has reduced family farming.

While several Democrats have represented South Dakota for multiple terms in both chambers of Congress, the state government is largely controlled by the Republican Party, whose nominees have carried South Dakota in each of the last 13 presidential elections. Historically dominated by an agricultural economy and a rural lifestyle, South Dakota has recently sought to diversify its economy in areas to attract and retain residents. South Dakota's history and rural character still strongly influence the state's culture.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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