Cheap Car Insurance for Bad Credit Drivers in South Dakota:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in South Dakota (2021)

For drivers with bad credit in South Dakota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in South Dakota. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in South Dakota.

Bad Credit Car Insurance in South Dakota

Tourists travel here to peek at the four presidential faces of Mt. Rushmore. If you get the same stern look when considering your credit, you may be shelling out more for car insurance.

Specific credit management patterns are proven to correlate closely with insurance risk. Insurance companies that pull your scores look for these patterns before setting your rate.

South Dakota Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$138
$154
$155
$168
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in South Dakota?

In South Dakota, drivers with bad credit pay about 27 percent more than drivers whose credit is favorable.

Studies show that credit score is a good predictor of insurance claims. While it's unknown why rates here are almost as high as in California, the fact that bad drivers tend to make more claims is universal.

$150
$190
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$40 ▴Monthly Impact of Bad Credit on Rates
26.67% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in South Dakota?

You'll have trouble finding a car insurance company that won't pull your credit when asked to write an insurance policy. That's because certain data from your credit report can tell them what they need to know about you in terms of risk.

If you have bad credit, your risk and the resulting premium will be higher than average in South Dakota. However, you can control your credit rating by staying on top of your credit score and managing your credit wisely.

South Dakota Car Insurance Rates by Credit Tier

Your financial history dictates your auto insurance rates in South Dakota. When you consider credit ratings in tiers, those with excellent ratings pay $30 less per month than drivers with poor credit scores. If you can improve your credit score and climb just one tier, you can save $13 a month by moving from poor to average credit.

Credit Tier
Excellent$138
Good$154
Average$155
Poor$168

Car Insurance Rates With Bad Credit in South Dakota Cities

While Sioux Falls is more crowded than Box Elder, Box Elder is more expensive for insurance by $17 a month. So many factors go into setting premiums that the exact reason for this is hard to pin down. Box Elder is just 15 minutes from Rapid City, an area known for higher crime rates, which could contribute.

CityCredit Tier
Box ElderPoor$192
Sioux FallsPoor$175

Tips for Researching Bad Credit South Dakota Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like South Dakota draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.