Car Insurance In South Dakota

Best Ways To Get Affordable Car Insurance In South Dakota

South Dakota is an expansive, sparsely populated midwestern U.S. state where we can find Black Hills National Forest.

Black Hills is home to historical monuments,  carved right into towering granite peaks: Mt. Rushmore, the iconic depiction of 4 revered U.S. presidents which attracts hundreds of thousands of visitors every summer.

Auto Insurance in South Dakota

The average cost of car insurance in South Dakota is $160 per month for car insurance. Compared to the national average of $935 per year, car insurance in South Dakota is the fourth least expensive in the US but every car owner is required to carry a minimum amount of auto insurance.

However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile. 

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To start driving in South Dakota, all drivers must have minimum car liability coverage. If you’re involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and passengers. 

Minimum car liability insurance requirements in South Dakota

The cheapest auto insurance in South Dakota is minimum coverage. South Dakota law requires all drivers with a registered vehicle to carry personal liability and uninsured/underinsured motorist coverage. Minimum coverage insurance in South Dakota is represented as;

Uninsured motorist: $25,000 per person and $50,000 per accident

Underinsured motorist: $25,000 per person and $50,000 per accident

Bodily injury: $25,000 per person and $50,000 per accident

Property damage: $25,000 per accident.

The two main components of liability insurance are property damage and bodily injury, which most states require. Liability insurance also includes underinsured motorist and uninsured motorist coverage.

This policy protects you when an at-fault driver that has no coverage or not enough coverage hit you.

Full coverage car insurance 

Drivers in South Dakota should purchase coverage beyond the minimum amount if they are financially able to do so.

In the event of an at-fault accident, if a driver’s financial responsibility exceeds their policy’s coverage limit, they become responsible for paying the remaining damages out of pocket which can hurt financially. 

The standard full coverage car insurance policy typically includes liability coverage, underinsured and uninsured motorists coverage, medical payments, collision and comprehensive coverage. 

Full-coverage car insurance includes liability insurance as well as comprehensive coverage, which protects your car from vandalism, theft, and weather damage (like hail), and collision coverage, which covers your car repairs and medical payments no matter who is at fault in an accident.

Drivers have the option to purchase endorsements, like roadside assistance or gap insurance, to supplement their full coverage policy, but these options cost extra, so one must stop to consider what suits his or her needs.

How to get cheap car insurance in South Dakota

There are several ways that drivers in South Dakota can get cheap car insurance. Here are some suggestions:

Drive safely

One way to save on car insurance is to drive safely. The fewer tickets and accidents, the less you’ll pay for car insurance. A major factor in determining your insurance rate is your driving record, and that includes traffic violations like speeding tickets. The more tickets you have, the more likely your insurance rates will rise. 

Shop around

Another way to save additional money is to compare car insurance quotes. Spend some time researching insurance providers. Every insurance company is different, so evaluating providers with your criteria in mind is important. Th ere are opportunities to save by shopping around and comparing coverage beyond the premium or the amount you’ll pay for coverage.

Get multiple quotes

You may find much better rates by requesting quotes from multiple insurers. When you find a few promising providers, get price quotes from each one and compare them side-by-side to see which company can give you the best price for the amount of coverage you want.

Take advantage of discounts:

 Look for insurance companies that offer a wide range of discounts. The five providers we evaluated each offer a few discounts that many drivers can take advantage of.

For example, the good driver discount, If you’ve maintained a clean driving record, you are likely eligible for some kind of reward for being a safe driver — though discounts vary by amount and by the insurance company. Good drivers can save on their car insurance premiums.

Work on your credit score:

 Auto insurance providers consider your credit an indication of how frequently you may file claims. A higher credit score often results in a lower premium.

Increase your deductible: 

Your deductible is the amount of a claim you agree to pay in the event of an at-fault accident. If you can afford to do so, consider increasing your deductible to get a cheaper monthly rate.

Be sure to have your agent quote this change first, as deductible increases do not always result in significant savings.

City of residence: 

Where you live impacts your premium. Data shows that those in urban areas pay more than those in rural areas. 

Factors that impact Insurance Premium

Speeding ticket: 

Car insurance rates will be higher with a speeding ticket than they would be with a clean driving record. When you get a speeding ticket, you may get a point on your license, which is added to your driving record.

If this is your first speeding ticket, you may be able to get the point taken off your record By going to traffic school without affecting your insurance. But that’s rarely the case.  

At-fault accident: 

When insurance companies look through your driving history and find an accident in your recent past in which the motorist in question was at fault, they tend to charge higher premiums.

Driving under the Influence:

 Driving under the influence of alcohol or drugs is so dangerous to yourself and others, that it is usually treated as a criminal offence with consequences that range from a rate increase to non-renewal

. Insurance companies will typically add a “surcharge” to your policy, usually a percentage of your current policy base rate.

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