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Cheap SR 22 Auto Insurance in South Dakota: Best Companies & Quotes
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Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in South Dakota
- American Family
- State Farm
- Farm Bureau
- Auto Owners Insurance
- Farmers Insurance
|American Family||State Farm||Farm Bureau||Auto Owners Insurance||Progressive||Farmers Insurance|
|AM Best Financial Strength Rating||A||A++||A||A++||A+||A-|
|JD Power 2019 Overall Customer Satisfaction score||3/5||5/5||N/A||3/5||3/5||3/5|
|Avg Annual Premium||$306||$318||$382||$395||$409||$913|
|Consumer Reports Reader Score||89||78||90||N/A||75||72|
|BBB Rating||A||A||Not Rated||A+||A+||A+|
Auto Insurance Statistics in South Dakota
Auto insurance rates in South Dakota have been reported as being much lower than the national average for the past few years. In the last three years of reported data, the average auto insurance rates have been inclining slightly but not by much. By examining the changes in rates, drivers can get an idea of the range they can expect to pay when it comes to auto insurance premiums in South Dakota.
Top 10 Cheapest Car Insurance Companies in South Dakota
|Rank||Company Name||Avg. Annual Premium|
|3||Farmers Mutual of Nebraska||$1,252|
|6||Buckeye Insurance Group||$1,483|
|7||Farm Bureau Mutual||$1,640|
Drunk Driving Fatalities
Drinking and driving is a deadly combination and in South Dakota, the rate of drunk driving fatalities has fluctuated with some years being higher than the national average. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in South Dakota vs. nationwide.
Drunk driving fatalities in South Dakota from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in South Dakota has been quite lower than in other areas of the country. The data below demonstrates the level of drinking and driving taking place in South Dakota in comparison to other states around the country.
Teen Drinking & Driving in South Dakota vs. Nationwide (2017)
SR-22 Insurance in South Dakota
South Dakota residents will need to purchase SR-22 coverage if they are deemed to be an at-risk driver by the state authorities. If you drive your vehicle without insurance, or you operate one under the influence of drugs or alcohol, you might be required to prove that you have financial coverage if you are to get into another accident.
SR-22 insurance is simply an insurance policy where the insurance provider offers documentation to local authorities that prove you have a basic level of coverage. They will also notify authorities if you cancel the coverage. In South Carolina, the minimum coverage is $25,000 for injury of one person, $50,000 for injury of multiple people, and property damage cover of $25,000.
Car Theft in South Dakota
Car theft in South Dakota has been relatively low and in most cases has been less than the national average. It is helpful to be cognizant of the level of car theft in the State you will be driving in. By taking a look at the number of car thefts in South Dakota, you can learn how risky it is to drive without comprehensive insurance coverage.
Vehicle thefts by rank nationwide vs. South Dakota
Uninsured Motorists in South Dakota
Without car insurance, drivers in South Dakota might have to pay out of pocket in the event of an accident taking place. These expenses could include property damage and medical bills as well as any monies awarded by a court for personal injury. It is always recommended to carry uninsured and underinsured motorist coverage. The below data shows how well South Dakota ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
The list below summarizes and offers a review of the cheapest insurance providers in the state:
- Western National Insurance-$660
The company with over 115 years in the business prides itself as one of the leading auto insurance providers in Midwestern, Northwestern, and Southwestern United States. With a significant presence in South Dakota, Western National Insurance offers the most affordable insurance coverage at an average of $660.
- State Farm-$678
As the largest insurance company in the United States, State Farm Mutual Automobile Insurance Company offers some of the cheapest auto insurance services. At an average of $678, State Farm follows closely in the footsteps of Western National Insurance in offering affordable automobile insurance services in South Dakota.
As the second largest insurer in the United States, Government Employees Insurance Company (GEICO) offers competitive auto insurance service in South Dakota. The company offer auto cover for $738 and thus making to the cheapest car insurance providers in the state.
- Farmers Mutual of Nebraska-$762
The company offers cheap insurance cover to motor vehicle owners in the State. Although it has a difference of over $200 with the cheapest insurer, the Western National Insurance, its rates are still lower than the national average of $795 and thus a good deal for car owners in South Dakota.
A subsidiary of Farmers Insurance, Mid Century offers insurance coverage for car owners at an average of $792, slightly below the national average. However, other factors such as the location of the car and driving history can tilt the cover to the higher side than the average noted above. The above rates represent the average insurance cost in the whole state. However, when considers from city to city, the rates change significantly between the insurers. As such, some insurers are cheaper in one city and higher in others. For instance, State Farm in Watertown takes the lead as the cheapest insurer at $654 followed by Mid-Century at $ 720, and then GEICO at $738. In Mitchel, State Farm is still the cheapest but now at $702, higher than it is in Watertown. The insurer is followed by GEICO at $720, and Farmers Mutual of Nebraska at $762. In Sioux Falls, GEICO is the cheapest insurer at $678, followed by State Farm at $684, and Western National Insurance at $720. In Huron, State Farm takes the lead at $678, Mid-Century is the second at $720, while GEICO takes the third position at $738.
Cheapest Automobile Insurance by Driver Characteristics
The characteristics of the driver under consideration include the young drivers, good drivers, and drivers with one at-fault crash. For young drivers in their early 20s, the cheapest insurers are American Family Insurance at $411, Allied Insurance at $415, and State Farm at $457 in that order. The cheapest insurance providers for good drivers with no history of accidents or crashes include Western National Insurance at $660, State Farm at $678, and GEICO at $738. These drivers are considered less risky and thus able to access cheaper insurance options as compared to the ones with a history of crashes as indicated below. Lastly, drivers with at least one at-fault crash also have a cheap option of insurance coverage although it is more expensive than for good drivers and young drivers. In this case, the insurance company options for this group include State Farm at $1042, Allied Insurance at $1255, and Farmers Mutual of Nebraska at $1,526. Based on the above analysis, it is evident that of you are seeking a cheap insurer, there is more to consider that the state average. Depending on your location, the rates vary between the cheapest insurance by average in the state. So do not rush, take your time to compare the rates offered by different insurance companies in your localities and you will be surprised by the bargains you will achieve. Further, the character of the driver is also another factor of consideration.
Types of Auto Insurance Coverage in South Dakota:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in South Dakota
There are minimum requirements for auto insurance in the state of South Dakota. According to South Dakota’s Division of Insurance, each vehicle in the state needs to be covered by a minimum of liability insurance coverage as well as underinsured and uninsured motorist coverage.
The liability minimums in South Dakota are as follows:
- $25,000 coverage when an injury occurs from an accident
- $25,000 coverage in the event of damaged property in an accident
- $50,000 coverage in the event of multiple injuries in an accident
Source: Division of Insurance
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, our goal is to give you as much information as possible to help you save on the cost of car insurance. If you are looking for affordable car insurance, auto insurance discounts are a great solution. We have put together a list of the best auto insurance discounts in the state of South Dakota. Browse the list below to find some of the auto insurance discounts you can use to save on the cost of car insurance each month or yearly in South Dakota.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in South Dakota
This section covers general questions pertaining to general auto insurance in South Dakota.
What paperwork is needed to get car insurance in South Dakota?
How quickly can you buy insurance after buying a car in South Dakota?
Where can I talk to someone about Progressive car insurance in South Dakota?
In South Dakota, how soon do I need to get insurance after I have purchased a used car?
How to file an auto insurance claim in South Dakota?
- Have the insurance information of the second person involved in the accident.
- Contact your insurance company directly to file a claim.
- Gather all of the information the insurance agent needs such as police reports, victim statements, pictures of the damage done to both cars, etc.
- Follow the instructions given by the insurance agent.
What year did South Dakota make auto insurance mandatory?
What happens if I pocket the insurance money in South Dakota and don’t fix my car?
Do South Dakota drivers who have no car need car insurance?
In South Dakota, how long can you insure a dependent for auto insurance?
In South Dakota, when you get a new car, how many days do you have to change the insurance over?
In South Dakota, which parent has the carry the auto insurance on a beginning driver?
How long does it take for an auto insurance premium payment to be returned unpaid in South Dakota?
Who can drive my car under my insurance in South Dakota?
Auto Insurance Coverage in South Dakota
This frequently asked question section covers basic auto insurance coverage in South Dakota questions.
What type of car insurance is required by South Dakota?
How long does your existing insurance cover a new car in South Dakota?
What should I pick for auto insurance coverage in South Dakota?
What is South Dakota state minimum for property damage on car insurance?
What insurance is needed to register a car in South Dakota?
Who can be covered under a South Dakota insurance policy?
What is the recommended auto insurance coverage in South Dakota?
Auto Insurance Rates in South Dakota
In this section, you will find frequently asked questions regarding the auto insurance rates in South Dakota.
What are auto insurance rates in South Dakota?
Why did my South Dakota car insurance increase by 26% in the last 2 years?
How much is car insurance for a 21 year old male in South Dakota?
Which areas in South Dakota have the lowest car insurance rates?
- Brookings, SD-1,127 yearly
- Brandon, SD-1, 131 yearly
- Tea, SD-$1, 131 yearly
- Vermillion, SD-$1,134 yearly
- Madison, SD-$1, 138 yearly
- Sioux Falls, SD-$1, 139 yearly
- Lennox, SED-$1, 129 yearly
What is the average price for auto insurance in South Dakota?
Who has the cheapest car insurance in South Dakota?
How much is high risk car insurance in South Dakota for a first-time driver?
How to get the cheapest car insurance in South Dakota?
How much is cargo insurance in South Dakota?
Why is car insurance so expensive in South Dakota?
- Personal driving record.
- Rise of state or insurance taxes in South Dakota.
- The rise of inflation.
How much does full coverage car insurance cost in South Dakota?
In South Dakota, how to find the lowest car insurance rates?
How much does car insurance cost for a teenager in South Dakota?
Who has the best auto insurance rates in South Dakota?
Who has the most expensive car insurance rates in South Dakota?
How much is commercial auto insurance in South Dakota?
How much will a speeding ticket raise the cost of auto insurance in South Dakota?
What is the average price for auto liability insurance in South Dakota?
How much is average car insurance for a 24 year old in South Dakota?
How to lower motorcycle insurance in South Dakota?
Auto Insurance Companies in South Dakota
In this frequently asked question section, you will find commonly asked questions pertaining to insurance companies in South Dakota.
Which auto insurance companies can write policies in South Dakota?
What steps does an insurance company in South Dakota take when totaling a car?
How do car insurance companies in South Dakota handle car accident claims?
- Considering accident reports.
- Considering police reports.
- Determining who caused the accident.
In South Dakota, which insurance company pays the medical bills in an auto accident?
What violations are reported to insurance companies in South Dakota?
- DUI’s of driving under the influence of an illegal substance
- Speeding violations
- Car accidents
- Car accidents
- Lack of insurance
Loss of Auto Insurance in South Dakota
In this section, you will find commonly asked questions regarding the lack of auto insurance in South Dakota.