Best Cheap Auto Insurance in South Dakota 2021 – Forbes Advisor

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Find cheap auto insurance in South Dakota

Are you a South Dakota car owner looking to save money on your auto insurance? We rated 10 auto insurance companies in your state to find the best rates for a wide variety of drivers.

Related: Best Auto Insurance

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Cheap South Dakota auto insurance for good drivers

Drivers with a good driving history should find a good deal in South Dakota, but it can take a while to shop around. Check the offers from Geico Auto Insurance and State Farm. If you’re a member of the military or a veteran, USAA auto insurance has competitive rates.

Best Cheap Auto Insurance in South Dakota for Drivers With a Parking Ticket

Some insurance companies will raise your tariffs if you are sued for over speeding. If you have a speeding ticket on your record, you may want to get quotes from Geico and State Farm Auto Insurance. Military personnel can likely find good prices at USAA.

Cheap car insurance in South Dakota for drivers who have been involved in an injury accident

If you cause a car accident that injures another person, you can expect your South Dakota auto insurance rates to increase by hundreds of dollars a year. State Farm and Geico are worth considering.

Cheap auto insurance in South Dakota for drivers with DUI

Drivers with a DUI conviction in South Dakota pay an average of $ 1,000 more for auto insurance compared to drivers with clean records. If you have a DUI, State Farm might be a great choice for cheaper prices.

Cheap auto insurance in South Dakota for drivers with poor credit ratings

The average auto insurance bill will be about $ 1,800 higher for low credit drivers in South Dakota – and that goes for someone with no accidents or tickets. When you have poor credit, it is wise to start looking around for the best rates. Geico had the lowest ratings among the companies we rated.

Cheap auto insurance in South Dakota for drivers caught without insurance

Some South Dakota insurers regard a mistake in auto insurance history as a higher risk, which can lead to higher rates. If you’re in the auto insurance market after an insurance failure, check out offers from Geico, Farmers Mutual of Nebraska, and State Farm. Eligible service members and veterans should also obtain a quote from USAA.

The cheapest vehicles for insurance in South Dakota

The type of vehicle you drive will be factored into your car insurance rates. In South Dakota, the Jeep Compass Latitude, Chevrolet Trax LS, and Ford Escape S are among the cheapest insurance options based on average rates for 50 best-selling models of 2021. The 20 cheapest are below.

The most expensive insurance vehicles in South Dakota among the most popular models are the Tesla Model S Performance ($ 4,005 per year) and the Volvo XC90 T8 Inscription ($ 2,784 per year).

Related: Insure the most and cheapest cars nationwide

Minimum Insurance Requirement for South Dakota Auto Insurance

South Dakota law states that owners must purchase vehicle liability insurance with coverage of at least:

  • $ 25,000 for assaulting a person.
  • $ 50,000 for injuring multiple people in an accident.
  • $ 25,000 for property damage in an accident.

This is often written as 25/50/25.

Consider higher liability limits that will protect your savings and other assets from legal proceedings. For example, if you cause more than $ 25,000 in property damage, you can still be sued for the rest.

While buying lower coverage limits upfront saves you money, if you cause an expensive accident and get sued, it can cost you far more in the backend.

South Dakota also requires uninsured and underinsured motorist insurance. These types of coverage pay off when someone approaches you with little or no liability insurance.

The minimum coverage for uninsured drivers in South Dakota is equivalent to state liability insurance requirements:

  • $ 25,000 for assaulting a person.
  • $ 50,000 for injuring multiple people in an accident.

What else should i have?

Collision and fully comprehensive insurance: Together, collision and fully comprehensive insurance cover vehicle theft and car damage from flooding, fire, hail, vandalism, riot, falling objects and collisions with animals. They are usually sold together as a package.

In the case of a car loan or leasing, fully comprehensive and fully comprehensive insurance are usually required.

Health insurance coverage (MedPay). MedPay is optional and covers medical bills and funeral expenses if you are injured or killed in an accident.

Summary: Required Car Insurance in South Dakota

Can I show my insurance ID from my phone?

You can use your phone to show auto insurance identification in South Dakota. Many auto insurance companies have mobile apps that make it easy to access your insurance ID.

Allowable Factors in Auto Insurance Rates in South Dakota

Auto insurance companies typically use your driving records, previous claims, vehicle model, and more when setting tariffs. In South Dakota, too, insurers can take advantage of these factors.

How many uninsured drivers are there in South Dakota?

About 7% of South Dakota car owners don’t have insurance, according to the Insurance Research Council. That is less than the national average of 13%.

Penalties for driving without car insurance

If you are caught driving with auto insurance in South Dakota, here are the possible penalties:

  • Up to 30 days in jail and fines up to US $ 500, plus suspension of your license for 30 days to a year.

When can a vehicle be totaled?

In South Dakota, an insurance company can decide when a vehicle is so damaged as long as it is less than 10 model years old.

If you have a large car loan, gap insurance can pay the difference between what you owe on a car loan and your insurance check on a totaled car. If you have financed most or all of your vehicle purchase, or if your vehicle is rapidly depreciating in value, you may have such a loophole.

Solve insurance problems

The South Dakota Insurance Department oversees insurance companies and receives complaints. If you have an unresolved issue with an insurance company, see this complaint information page.

methodology

To find the cheapest auto insurance companies in South Dakota, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a clean record driver insuring a Toyota RAV4 with $ 100,000 personal injury liability insurance, $ 300,000 per accident, and $ 100,000 property damage insurance, uninsured motorist insurance, and any other coverage required by the state. The price also includes collision and fully comprehensive insurance with a deductible of 500 USD.

The companies rated for South Dakota were Allstate, Auto-Owners, Farm Bureau Mutual, Farmers, Farmers Mutual of Nebraska, Geico, North Star, Progressive, State Farm, and USAA.

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