Cheap Car Insurance in South Dakota

Cheap Car Insurance in South Dakota

It is mandatory to get car insurance in South Dakota for drivers to drive legally in the state. Different companies in South Dakota provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in South Dakota:

Name of the Company Average annual car insurance premiums
Auto-Owners $910
Allied $1240
Farmers Mutual of Nebraska $1257
State Farm $1303
Unitrin $1319
Buckeye Insurance Group $1488
Farm Bureau Mutual $1645
Progressive $1796
North Star $1797
GEICO $1890
Allstate $1936
Farmers $1946
American Family $2067
Western National $2068

Cheap car insurance in South Dakota for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in South Dakota with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in South Dakota provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in South Dakota by maintaining a good driving record. Most auto insurance companies in South Dakota provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $238 on car insurance premiums in South Dakota.
  •  Drivers may save $644 on car insurance premiums if they have an accident-free record in South Dakota.
  •  By maintaining a good credit history you may save $1093 on car insurance premiums in South Dakota

Cheap car insurance for inexperienced drivers in South Dakota

Most auto insurance providers may charge high auto insurance premiums in South Dakota from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in South Dakota vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in South Dakota. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $3847 $5796
17 $3666 $5350
18 $3806 $4849
19 $3177 $2811

Affordable auto insurance in South Dakota for high-risk drivers

Car insurance companies in South Dakota charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in South Dakota can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in South Dakota may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1919
DUI $1933
Speeding Violation $1514
Bad Credit $2377

Best car insurance companies in South Dakota

Car insurance prices in South Dakota may vary from company to company. Some companies in South Dakota charge lower car insurance premiums than others. To get the best auto insurance policy in South Dakota you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find the best auto insurance company in South Dakota by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in South Dakota:

  1. Allstate
  2. American Family
  3. Auto-Owners
  4. Buckeye
  5. Farmers
  6. Farmers Mutual of Nebraska
  7. GEICO
  8. National Farmers Union
  9. North Star
  10. Progressive
  11. Safeco
  12. State Farm
  13. Unitrin
  14. USAA
  15. Western National

What auto insurance coverage is mandatory to purchase for drivers in South Dakota?

The average annual cost to get the minimum required coverage in South Dakota may be around $313.  The minimum required coverage for drivers in South Dakota to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

 The state minimum auto insurance requirements in South Dakota

The state minimum auto insurance coverage requirement in South Dakota is liability coverage.

  1. $25000 bodily injury coverage per person is required in South Dakota.
  2. $50000 bodily injury coverage per accident is required in South Dakota.
  3. $25000 property damage coverage per accident is required in South Dakota.

Other types of optional coverages in South Dakota are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Accidental Death
  8. Total Disability

Fine for driving without car insurance in South Dakota

If anyone caught driving without a car insurance policy in South Dakota then police may charge a fine.

Car insurance prices by cities in South Dakota

Car insurance premiums in South Dakota may vary from city to city. In some cities of South Dakota, car insurance prices are high compared to others.

City Average annual insurance premiums
Pine Ridge $2185
Hot Springs $2036
Lead $2004
Sturgis $1968
Spearfish $1960
Belle Fourche $1956
Box Elder $1830
Mobridge $1732
Yankton $1698
Pierre $1666
Huron $1589
Mitchell $1568
Milbank $1558
Tea $1499
Sioux Falls $1487
Dell Rapids $1486
Harrisburg $1482
Brandon $1480
Madison $1477
Aberdeen $1470
Brookings $1468
Vermillion $1455
Watertown $1412

If you are looking for a car insurance deal in South Dakota, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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