Cheap DUI Car Insurance in South Dakota:
Costs and Quotes (2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for drivers with a DUI in South Dakota

Enter your zipcode to get started

Facebook following



Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!

Last Updated: January 2022

Best DUI Insurance Companies in South Dakota (2022)

For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.

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 a DUI in South Dakota.


DUI Car Insurance Costs in South Dakota

In South Dakota, a DUI or DWI offense will on average have drivers paying $275 per month and $3,300 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 96% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No ViolationAvg. Monthly Cost - After DUI
$135 ▴Monthly Impact of DUI on Rates
96.43% ▴Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in South Dakota?

Having a DUI violation can significantly impact how much you pay a month for auto insurance. Insurance companies in South Dakota quote drivers with DUI incidents an average rate of $274.75. This is a staggering 96.25 percent more than the $140 that motorists with no incidents pay a month. One reason for the large increase is due to the assumed risk that comes with insuring drivers with DUI violations.

Although rates differ by $134.75 between drivers with a DUI and those without, the increase doesn't last forever. Many insurers will take into consideration how long ago your violation was and if you have had any other incidents since the first DUI.

Average Percent Increase After DUI

What Are the Average Car Insurance Prices After a DUI in South Dakota?

South Dakota currently ranks as the 45th most expensive state for auto insurance when you have a DUI. The state has a more forgiving plan for first-time offenders, with average rates hovering around $274.75. However, drivers with multiple DUI incidents will see their rates increase to double or even triple the current average rates throughout the state.

Most Expensive State for DUI (1-50)

How Long Is the Lookback Period for a DUI in South Dakota?

Since DUI violations are viewed as priorable offenses, each additional violation you receive will result in heavier penalties. But there is a limit to how long a state can count a DUI against you for penalty and sentencing purposes. This window of time where a DUI can be counted for enhanced penalties is referred to as a lookback period.

Similar to other states, South Dakota has a stringent lookback period that spans 10 years. Multiple DUI violations within this window often result in enhanced penalties and consequences. The state also views three DUI instances as a Class 6 felony, which often results in an extended period of incarceration.

South Dakota DUI Penalties

Being charged with a DUI in South Dakota can carry heavy penalties. For most cases, violators will be required to partake in a 24/7 sobriety program and use an ignition interlock device on their vehicle. Drivers found to have a BAC of .17 percent or higher must also be evaluated by a state-approved chemical dependency counselor at their own expense.

Having multiple DUI violations can result in severe penalties, including jail time, fines, and license revocation. For example, a second offense carries penalties such as one year of jail time, up to $2,000 in fines, and license revocation for a year. If a driver has four or more instances on their record within the lookback period, they can expect up to 10 years in jail, $20,000 in fines, and license revocation for at least two years.

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.

FAQs - South Dakota Car Insurance

Why is car insurance so expensive in South Dakota?

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.

Do car insurance rates vary by county in South Dakota?

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.

Which providers have the best auto insurance ratings in South Dakota?

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.

How much do annual auto insurance rates increase in South Dakota?

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.


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.