Cheap Car Insurance in South Dakota

Scouring the web for South Dakota automobile insurance? Sometimes looking for a provider can be difficult. But with, it’s as simple as entering your zip code. We can supply you with the top 8 insurance providers in your spot, whether you live in a big city like Sioux Falls, Rapid City, or Aberdeen, or a lesser populated area such as Watertown or Brookings.

South Dakota Auto Insurance – Average Premiums

To the surprise of numerous motorists, it truly is not that costly maintaining insurance in South Dakota with decent coverage. To begin with, the state average is just around $61/mo. But metropolitan areas like Waterdown or Rapid City enjoy a level cheaper average of $58 monthly, typically. However, you will find bigger metropolitan areas – for example Aberdeen – where motorists may be having to pay the state average or higher each month.

Average Auto Insurance Costs in South Dakota Legend: Major City Aberdeen Brookings Rapid City Sioux Falls Waterdown State Average 10 20 30 40 50 60 $61 $59 $58 $69 $58 $61


Another factor that will affect the cost of your car insurance policy is the amount of discounts your current policy offers. If you take advantage of common discounts, such as multi-car discounts, multi-policy discounts, or anti-theft devices, you’re more likely to get similar discounts in the future.

Important South Dakota Auto Insurance Laws and Requirements

The fact that South Dakota doesn’t require you to purchase no-fault coverage should make your search for cheap South Dakota car insurance that much simpler. But the state does require UM/UIM coverage, which will help protect you in the event that your get into an accident with an uninsured/underinsured driver. Liability is also required, with the following minimum state limits:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Choosing the Right Amount of South Dakota Car Insurance Coverage

Different types of automobiles will need various kinds of coverage to be able to safeguard both you and your vehicle. For example, kerbside there’s help usually extra of all insurance plans, but is not it nice to understand when your automobile breaks lower, you will not be stranded along the side of the street?

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Aberdeen Brookings Rapid City Sioux Falls Waterdown State Average 10 20 30 40 50 60 70 80 90 $25 $97 $24 $95 $27 $90 $29 $82 $23 $93 $26 $91


South Dakota DUI Laws

Convicted of your first DUI offense? Find out what penalties you may face: up to 1 year in prison, a $1,000 fine, your license may be suspended anywhere from 30 days to a full year, you may have a possible restricted license, and you will be required to get SR-22 insurance.

Not every driver is required to file an SR-22. These are for special cases when motorists have been convicted of serious driving violations. These include causing an accident or being caught driving without insurance. You may also need an SR-22 if you have been convicted of a DUI. Many of these convictions will result in a suspended license, and in many states, you will not be able to get your license back until you file an SR-22. The state of South Dakota, for example, is a state which requires an SR-22 to be filed before your license is reinstated.

DUI Car Insurance Costs in South Dakota Legend: Clean Record DUI Violation Aberdeen Brookings Rapid City Sioux Falls Waterdown State Average 10 20 30 40 50 60 $25 $52 $24 $50 $27 $59 $29 $64 $23 $48 $26 $55


Age Limit Laws

South Dakota has some complicated GDL laws and regulations, so pay attention: youthful motorists could possibly get their learner’s permit either at age 15 after taking driver’s education courses, or at age 16 without them. After 6 months and 50 supervised hours of driving (10 of which needs to be during the night), motorists who’re 16 many 6 months old who did take driver’s erectile dysfunction can use to have an intermediate permit (individuals who didn’t go have to hang about until 16 many 9 months old). For that first 180 times of your intermediate permit, you can’t be on the highway between your hours of 10:00 PM and 5:00 AM, nor are you able to have non-family travellers within the vehicle along with you. Next six month period, you’ll have the ability to drive more about weeknights and weekends. At 17 years old, with driver’s erectile dysfunction, you are able to drive with travellers (17 many 3 months without them). At age 18, all limitations is going to be lifted and you may obtain a full license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Aberdeen Brookings Rapid City Sioux Falls Waterdown State Average 10 20 30 40 50 60 70 80 90 100 110 $99 $94 $107 $110 $89 $100


Credit Score Laws and Regulations

Getting a favorable credit record in South Dakota is equally as important because it is in many other states. Without a good credit score, you’ll be billed considerably greater rates. However, should you keep an eye on your credit and do something to boost your score with time, you can begin to earn some savings.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Aberdeen Brookings Rapid City Sioux Falls Waterdown State Average 10 20 30 40 $23 $34 $22 $33 $24 $36 $26 $40 $21 $31 $23 $35


Insuring your Vehicle in South Dakota

It may seem you are purchasing an automotive insurance plan on your own however, based on the law, you’re really buying an insurance policy for the vehicle. For example, should you borrow a friend’s vehicle, and cause any sort of accident, your insurance provider won’t become involved it will likely be involving the friend’s insurance carrier, and whomever else was at the accident. For such reasons, you have to provide your insurance provider more information regarding your vehicle an email psychic reading a precise quote.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Aberdeen Brookings Rapid City Sioux Falls Waterdown State Average 10 20 30 40 50 60 70 80 90 100 110 120 $25 $123 $24 $120 $27 $123 $29 $117 $23 $118 $26 $120


Additional South Dakota Auto Insurance Laws and Requirements

Everything talked about above are major, key elements that will determine typically just how much you’ll pay monthly for car insurance premiums. However if you simply violate the driving laws and regulations the following, they might lift up your rates too:

Highway Safety Laws

You will find aggressive driving laws and regulations are not on the books in South Dakota. However, there are still forms of driving which most people classify as “aggressive” – such as running stop signs, failure to yield, or tailgating, which can and will eventually cause an accident. And any aggressive actions on your part could still face other legal consequences for causing the wreck.

Aggressive Driving No state law
Cell Phones and Texting Laws No state law
Inc. Penalty for High BAC BAC 0.17
Admin. License Susp. on 1st Offense 30 days for refusal

Speed Limits and Cell Phone Use

By This summer 2015, there is a principal ban on motorists younger than 21 speaking on the mobile phone while driving. There’s additionally a primary, all-driver ban on texting while driving. And primary enforcement implies that a cop does not need every other need to pull you over and hands a ticket, in contrast to secondary enforcement laws and regulations.

Rural Interstate 70 mph
Urban Interstate 75 mph
Other Limited-Access 70 mph

Important South Dakota Contacts

South Dakota Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State South Dakota Website

South Dakota Department of Insurance

How to contact directly:

South Dakota Div. of Auto Insurance
445 East Capitol Ave.
Pierre, SD 57501
Phone: 1-605-773-3563

Compare South Dakota Car Insurance Companies that Offer the Lowest Rates in Your Area