How your age affects your South Dakota car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates in South Dakota.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quotes for younger drivers
Drivers younger than 25, and especially teenagers, typically have the highest car insurance rates, regardless of where they live. Their relative inexperience behind the wheel contributes to higher accident rates than any other age group. Add in a driving infraction, and rates can climb significantly for teen drivers.
The following table provides insight into average monthly quotes for teen drivers with a driving infraction on their records in South Dakota.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quotes for middle-aged drivers
As drivers age and gain more experience on the road, insurance rates typically decline. However, while middle-aged drivers typically pay less than teens for insurance, infractions like at-fault accidents, DUIs, and speeding tickets can increase car insurance rates. Check out the table below to see the impact of driving infractions on car insurance quotes for middle-aged drivers in South Dakota.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Quotes for senior drivers
Seniors typically have the lowest car insurance premiums due to their years of driving experience and the likelihood they’ll drive fewer miles than younger drivers who commute to jobs. The table below shows full-coverage car insurance quotes for senior drivers in South Dakota, along with quotes for senior drivers with an accident or a DUI on their records.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.