Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in South Dakota
| City | Premium | Percent Increase |
| Milbank | $487 | 0.0% |
| Sisseton | $495 | 1.7% |
| Madison | $505 | 3.7% |
| Huron | $506 | 3.9% |
| Vermillion | $509 | 4.4% |
| Watertown | $510 | 4.7% |
| Winner | $511 | 4.9% |
| Yankton | $513 | 5.3% |
| Mitchell | $516 | 5.9% |
| Brookings | $521 | 7.0% |
| Aberdeen | $527 | 8.2% |
| Pierre | $532 | 9.1% |
| Dell Rapids | $538 | 10.5% |
| Canton | $541 | 11.2% |
| North Sioux City | $544 | 11.7% |
| Hartford | $550 | 13.0% |
| Eagle Butte | $553 | 13.5% |
| Harrisburg | $561 | 15.1% |
| Belle Fourche | $563 | 15.6% |
| Custer | $570 | 16.9% |
| Brandon | $570 | 17.0% |
| Sturgis | $574 | 17.7% |
| Hot Springs | $576 | 18.2% |
| Spearfish | $576 | 18.2% |
| Tea | $579 | 18.8% |
| Pine Ridge | $585 | 20.0% |
| Black Hawk | $600 | 23.2% |
| Box Elder | $601 | 23.4% |
| Rapid City | $606 | 24.5% |
| Sioux Falls | $650 | 33.5% |
Factors That Affect Car Insurance Premiums in South Dakota
Although fledged drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their elder years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in South Dakota
7 Tips for How to Get Cheap Car Insurance in South Dakota
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for the cheapest car insurance. In South Dakota, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.
2. Know the factors affecting insurance in South Dakota
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in South Dakota have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in South Dakota. On average, drivers in the
7. Watch your credit score
South Dakota drivers with no credit pay about more for car insurance than drivers with excellent scores, on average. To get the cheapest possible car insurance rates, South Dakota residents should therefore work to establish credit and maintain a healthy credit score. If you don’t know what your credit score is, and get personalized credit-improvement advice on WalletHub.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability, as well as $25,000 in uninsured motorist coverage per person and $50,000 in uninsured motorist coverage per accident, as required by South Dakota’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged South Dakota insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car insurance companies in South Dakota is based on data from the South Dakota DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest cable car policy companies for South Dakota drivers in a collection of keystone categories. For each profile, WalletHub compared quotes among top South Dakota cable car indemnity companies by averaging premiums from 30 travel rapidly codes that represent at least 20 % of South Dakota ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may silent be the best choice overall for eligible drivers.In the board below, you can see all of the profile characteristics that were used in WalletHub ’ sulfur analysis, in addition to the specific subset of characteristics that make up our estimable Driver profile.Below are extra details regarding the terminology and particular characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged South Dakota insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is spokesperson only. individual rates will be different.
Don ’ metric ton forget to include local insurance companies in your search for the cheapest car insurance. In South Dakota, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.Everyone knows that your driving habits and claims history affect how a lot you pay for car insurance. But in South Dakota, companies can besides consider your historic period, sex, recognition history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors actors beyond your master all impact the price of insurance.You ’ ll see higher rates if you let your insurance elapse, even if you don ’ thyroxine own a car. South Dakota drivers who don ’ thymine maintain continuous coverage pay an average of 7 % more than those with five or more years of uninterrupted insurance history.You need indebtedness policy to pay for the early driver ’ randomness damages if you ’ re at defect in an accident in South Dakota. Collision and comprehensive examination coverage, on the early hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ thymine scrimp on the coverage you need, but do make inform choices. That means, you won ’ t end up paying for more cable car indemnity than you need.Top car policy companies in South Dakota have a variety of discounts, then about anyone can find ways to save. You may be able to get a dismiss if you ’ re a scholar, seasoned, good driver, homeowner, volition to go paperless, and more.Car insurance prices can vary a batch based on travel rapidly code in South Dakota. On average, drivers in the most expensive parts of South Dakota spend over $ 675 more per year on full coverage cable car indemnity than those living in the least expensive areas.South Dakota drivers with no credit pay aboutmore for car insurance than drivers with excellent scores, on average. To get the cheapest possible cable car insurance rates, South Dakota residents should therefore work to establish credit and maintain a healthy credit grudge. If you don ’ t know what your credit score is, and get personalized credit-improvement advice on WalletHub .