Cheap Auto Insurance in South Dakota
Compare quotes from 29 auto insurance companies in South Dakota
Find best auto insurance in South Dakota. Get auto insurance quotes from car insurance providers in your state and compare auto insurance rates to get the coverage that works for your unique situation. Car insurance companies offer different coverage options and comparing car insurance packages offered by several providers can help you to select the coverage that offers the protection you need. On today's market most auto insurance companies offer several types of coverage along with specialty policies. At AutoInsuranceNearMe.net you can look through the list of car insurance companies in your area and make the right decision after comparing coverages and rates.
Auto insurance in South Dakota
Auto insurance is imposed through legal means, but we must also remember that it helps us stay protected in case of accidents. Whether we are using our vehicles for personal or professional purposes, having insurance should not be seen as something optional. Without adequate insurance, we are liable for fines of up to $1,000 or might have our driving documents suspended, for up to six months. This can refer to either the driver's license or vehicle registration. To discover more information on the topic of auto insurance in South Dakota, just keep on reading this article.
What type of car insurance do you legally need in South Dakota?
According to the Mandatory Liability Insurance Act, all South Dakota residents who intend to operate a moving vehicle should purchase a liability insurance policy. If there is a lapse in the mandatory insurance, the respective driving documents might be suspended for several months or more. All the states have access to an online insurance verification system, which can be used to determine whether a vehicle has insurance or not.
For a resident to operate a vehicle in the state of South Dakota, the respective auto insurance must comply with certain guidelines. These might include the following: bodily injury liability ($50,000 per accident and $25,000 per person), property damage liability ($25,000 per accident), and uninsured/underinsured motorist bodily injury ($50,000 per accident and $25,000 per person). The full coverage insurance is more advantageous than the minimum liability coverage, especially since you can add options, such as comprehensive and collision insurance. Specialists recommend the highest possible coverage limit, in contrast to the minimum one imposed by the law in South Dakota. Thus, you will benefit from the best protection, should the worst-case scenario occur.
The sums mentioned above refer to the maximum amount insurance providers are able to pay, should we be involved in an accident for which we are responsible. The law requires that all drivers carry a copy of their insurance policy while driving. Of course, driving without insurance is illegal in South Dakota. Consequences include legal fines and the suspension of the associated driving documents, meaning the driver's license or vehicle registration. If one continues to drive without a valid insurance policy, jail time might be legally enforced.
Average cost of auto insurance in South Dakota
The state minimum auto insurance policy in South Dakota has a value of $254. However, a full coverage insurance policy has an average value of $1,577. Collision and comprehensive coverages might not be included in the general policy, which means you will have to pay additionally for them. The overall insurance rates are influenced by several factors, including: type of vehicle, presence of prior insurance, number of miles driven, location, driving record, age, gender, and marital status. It is always recommended to opt for an insurance policy with the best possible coverage, as opposed to the one that is suspiciously affordable.
It is worth mentioning that the average cost of auto insurance varies from one state to the other. Such variations are to be expected for both the minimum and full coverage, including when it comes to options such as comprehensive and collision insurance. The factors influencing these values include: accidents caused by weather elements or conditions, at-fault accidents, number of drivers in accordance with the general population, uninsured drivers in the respective location, and road conditions.
South Dakota has a lower rate for the average car insurance than the national median, which is around $1,770. Among the states with the most expensive policies, there are: Pennsylvania, New York, Nevada, Michigan, Louisiana, Florida, Colorado, and California. As for the more affordable states, these include: Wisconsin, Washington, Tennessee, Oregon, North Dakota, New Mexico, Nebraska, and Maine. New York is the most expensive, with $1,339 for the minimum coverage and $2,996 for the full one. Maine has the most affordable insurance policies, with $227 for the minimum coverage and $876 for the full one.
Within the state of South Dakota, you might also find differences between the various cities. Brookings has some of the most affordable rates to offer, while Mitchell stands at the top of the list in terms of costs. The average annual premiums are as follows: Brookings - $1,356; Sioux Falls - $1,377; Watertown - $1,378; Aberdeen - $1,394; Mitchell - $1,464.
One of the main factors influencing the value of auto insurance is the driver's age. This type of insurance is more expensive for young drivers, as they are perceived by insurance companies as irresponsible and more likely to cause accidents. A teenage driver will be accustomed to an annual premium of over $7,700, while a middle-aged driver will expect a premium that is close to $2,000. Slight differences are present between genders, with men benefitting from more affordable rates than women. Married couples might also have access to the most attractive rates, in contrast to those who are single, divorced, or widowed.
In calculating the value of a potential coverage policy, auto insurance companies will also analyze the driver's credit history. Someone with a poor credit history will struggle to meet the high rates, while drivers with exceptional credit will actually save important sums on their auto insurance premiums. Higher rates are also offered to those with prior driving offenses, such as at-fault accidents, reckless driving, DUI/DWI, or speeding. The rates typically vary in accordance with the chosen type of coverage. Drivers are encouraged to add both comprehensive and collision to the state minimum policy, in order to increase the level of protection they benefit from.
- Aberdeen
- Agar
- Akaska
- Albee
- Alcester
- Alexandria
- Allen
- Alpena
- Altamont
- Amherst
- Andover
- Antelope
- Arlington
- Armour
- Artas
- Artesian
- Ashland Heights
- Ashton
- Astoria
- Athol
- Aurora
- Aurora Center
- Aurora County
- Avon
- Badger
- Baltic
- Bancroft
- Batesland
- Bath
- Bath Corner
- Beadle County
- Belle Fourche
- Belvidere
- Bennett County
- Beresford
- Big Stone City
- Bijou Hills
- Bison
- Blackhawk
- Blunt
- Bon Homme Colony
- Bon Homme County
- Bonesteel
- Bonilla
- Bowdle
- Box Elder
- Bradley
- Brandon
- Brandt
- Brant Lake
- Brentford
- Bridger
- Bridgewater
- Bristol
- Britton
- Broadland
- Brookings
- Brookings County
- Brown County
- Bruce
- Brule County
- Bryant
- Buffalo
- Buffalo Chip
- Buffalo County
- Buffalo Gap
- Bullhead
- Burbank
- Burke
- Bushnell
- Butler
- Butte County
- Camp Crook
- Campbell County
- Canistota
- Canning
- Canova
- Canton
- Capa
- Caputa
- Carthage
- Castlewood
- Cavour
- Centerville
- Central City
- Chamberlain
- Chancellor
- Charles Mix County
- Chelsea
- Cherry Creek
- Chester
- Claire City
- Claremont
- Clark
- Clark County
- Clay County
- Clear Lake
- Codington County
- Colman
- Colome
- Colonial Pine Hills
- Colton
- Columbia
- Conde
- Corn Creek
- Corona
- Corsica
- Corson County
- Cottonwood
- Cresbard
- Crocker
- Crooks
- Custer
- Custer County
- Dakota Dunes
- Dallas
- Dante
- Davis
- Davison County
- Day County
- De Smet
- Deadwood
- Dell Rapids
- Delmont
- Deuel County
- Dewey
- Dewey County
- Dimock
- Doland
- Dolton
- Douglas County
- Draper
- Dupree
- Eagle Butte
- Eden
- Edgemont
- Edmunds County
- Egan
- Elk Point
- Elkton
- Emery
- Erwin
- Estelline
- Ethan
- Eureka
- Fairburn
- Fairfax
- Fairview
- Faith
- Fall River County
- Farmer
- Farmingdale
- Faulk County
- Faulkton
- Fedora
- Ferney
- Firesteel
- Flandreau
- Florence
- Forestburg
- Fort Pierre
- Fort Thompson
- Frankfort
- Frederick
- Freeman
- Fruitdale
- Fulton
- Garden City
- Garretson
- Gary
- Gayville
- Geddes
- Gettysburg
- Glencross
- Glenham
- Goodwill
- Goodwin
- Grant County
- Green Grass
- Green Valley
- Gregory
- Gregory County
- Grenville
- Groton
- Haakon County
- Hamill
- Hamlin County
- Hand County
- Hanson County
- Harding County
- Harrington
- Harrisburg
- Harrison
- Harrold
- Hartford
- Hayes
- Hayti
- Hazel
- Hecla
- Henry
- Hermosa
- Herreid
- Herrick
- Hetland
- Hidden Timber
- Highmore
- Hill City
- Hillsview
- Hitchcock
- Holabird
- Hosmer
- Hot Springs
- Hoven
- Howard
- Hudson
- Hughes County
- Humboldt
- Hurley
- Huron
- Hutchinson County
- Hyde County
- Ideal
- Igloo
- Interior
- Ipswich
- Irene
- Iroquois
- Isabel
- Jackson County
- Java
- Jefferson
- Jerauld County
- Johnson Siding
- Jones County
- Junius
- Kadoka
- Kaylor
- Kenel
- Kennebec
- Keystone
- Kidder
- Kimball
- Kingsbury County
- Kranzburg
- Kyle
- La Plant
- LaBolt
- Lake Andes
- Lake City
- Lake County
- Lake Norden
- Lake Preston
- Lane
- Langford
- Lantry
- Lawrence County
- Lead
- Lebanon
- Lemmon
- Lennox
- Leola
- Lesterville
- Letcher
- Lily
- Lincoln County
- Little Eagle
- Long Lake
- Loomis
- Lower Brule
- Lowry
- Loyalton
- Lucas
- Lyman
- Lyman County
- Madison
- Manderson
- Mansfield
- Marion
- Marshall County
- Martin
- Marty
- Marvin
- McCook County
- McIntosh
- McLaughlin
- McPherson County
- Meade County
- Meadow
- Meadow View Addition
- Meckling
- Mellette
- Mellette County
- Menno
- Midland
- Milbank
- Miller
- Milltown
- Miner County
- Minnehaha County
- Miranda
- Mission
- Mission Hill
- Mitchell
- Mobridge
- Monroe
- Montrose
- Moody County
- Morningside
- Morristown
- Mound City
- Mount Vernon
- Murdo
- Naples
- Nemo
- New Effington
- New Holland
- New Underwood
- Newell
- Nisland
- Norris
- North Eagle Butte
- North Sioux City
- Northville
- Nunda
- Oacoma
- Oelrichs
- Oglala
- Oglala Lakota County
- Okaton
- Okreek
- Ola
- Oldham
- Olivet
- Onaka
- Onida
- Oral
- Orient
- Ortley
- Osceola
- Parker
- Parkston
- Parmelee
- Peever
- Pennington County
- Perkins County
- Philip
- Pickstown
- Piedmont
- Pierpont
- Pierre
- Pine Lakes Addition
- Pine Ridge
- Plankinton
- Platte
- Pollock
- Porcupine
- Potato Creek
- Potter County
- Prairie City
- Presho
- Pringle
- Provo
- Pukwana
- Putney
- Quinn
- Ramona
- Rapid City
- Rapid Valley
- Ravinia
- Raymond
- Red Shirt
- Redfield
- Ree Heights
- Reliance
- Renner
- Renner Corner
- Revillo
- Richland
- Ridgeview
- Roberts County
- Rochford
- Rockerville
- Rockham
- Roscoe
- Rosebud
- Rosholt
- Roslyn
- Roswell
- Rowena
- Running Water
- Rutland
- Saint Charles
- Saint Francis
- Saint Lawrence
- Saint Onge
- Salem
- Sanborn County
- Scenic
- Scotland
- Selby
- Seneca
- Shadehill
- Sherman
- Shindler
- Silver City
- Sinai
- Sioux Falls
- Sisseton
- Smithwick
- Soldier Creek
- South Shore
- Spearfish
- Spencer
- Spink
- Spink County
- Spring Creek
- Springfield
- Stanley County
- Stephan
- Stickney
- Stockholm
- Storla
- Strandburg
- Stratford
- Sturgis
- Sully County
- Summerset
- Summit
- Tabor
- Tea
- Thunder Butte
- Thunder Hawk
- Tilford
- Timber Lake
- Todd County
- Tolstoy
- Toronto
- Trail City
- Trent
- Tripp
- Tripp County
- Troy
- Tschetter Colony
- Tulare
- Turner County
- Turton
- Tuthill
- Twin Brooks
- Two Strike
- Tyndall
- Union County
- Unityville
- Utica
- Vale
- Valley Springs
- Veblen
- Verdon
- Vermillion
- Viborg
- Vienna
- Vilas
- Virgil
- Vivian
- Volga
- Volin
- Wagner
- Wakonda
- Wakpala
- Walker
- Wall
- Wallace
- Walworth County
- Wanblee
- Ward
- Warner
- Wasta
- Watertown
- Waubay
- Waverly
- Webster
- Wendte
- Wentworth
- Wessington
- Wessington Springs
- Westport
- Wetonka
- White
- White Horse
- White Lake
- White River
- White Rock
- Whitehorse
- Whitewood
- Willow Lake
- Wilmot
- Winfred
- Winner
- Witten
- Wolsey
- Wood
- Woonsocket
- Worthing
- Wounded Knee
- Yale
- Yankton
- Yankton County
- Zell
- Ziebach County
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Finding the right auto insurance in South Dakota
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