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South Dakota Car Insurance for Bad Credit Drivers

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in South Dakota (2022)

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.

CarrierAvg. Monthly Cost
Dairyland Insurance$137
Nationwide$149
American Family Insurance$158
Safeco Insurance$192

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

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

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.

Avg. Monthly Cost - for Drivers with Good Credit
$150
Avg. Monthly Cost - for Drivers with Bad Credit
$190
$40 ▴
26.67% ▴
Monthly Impact of Bad Credit on Rates
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 TierAvg. Monthly Cost
Excellent$138
Good$154
Average$155
Poor$168

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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 TierAvg. Monthly Cost
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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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. See All Auto Insurance Companies

FAQs - South Dakota Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county South Dakota. Insurify analyzed the latest data for the five most populous cities in South Dakota to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in South Dakota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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