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South Dakota Car Insurance for High Risk Drivers (With Quotes)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Courtney Roy
Written by
Courtney Roy
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Written by
Courtney Roy
Insurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
John Leach
Edited by
John Leach
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Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

Cheapest Insurance Companies for High Risk Drivers in South Dakota (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in South Dakota.

CarrierAvg. Monthly Cost 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.
American Family Insurance$180
Dairyland Insurance$195
Safeco Insurance$207

What Makes a Driver High-Risk in South Dakota?

Insurance companies define high-risk drivers as those who are more likely to file claims than average drivers. You could end up on the list through no fault of your own, or choices could place you in the category. How exactly?

First-time drivers, teenage drivers, and those age 65 or older all end up in the group—likewise for people with no credit or poor credit. You can also earn a spot if your driving record has the following snafus: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. No matter what caused it, you can still find a sweet deal in the Mount Rushmore State.

South Dakota Car Insurance Rates for High-Risk Drivers

No Violation
$157
Speeding Ticket
$176
Failure to Stop
$189
Reckless Driving
$205
At-Fault Accident
$212

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in South Dakota?

Even those who want a career in NASCAR don't look to add "high-risk driver" to their résumés. It mostly happens by chance. Speeding tickets, fender benders, and hard-to-see stop signs have all put more than their fair share of people in the high-risk category. Does that mean one slight mistake will cost you forever?

Luckily, most insurance companies stop the search after looking back three years. While you wait, if you wish to save, you can compare coverages and quotes, avoid tickets and accidents, and shop around every six months. Here are the rates for different high-risk offenses:

Driving HistoryAvg. Monthly Cost 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.
No Violation$157
Speeding Ticket$176
At-Fault Accident$212
Reckless Driving$205
Failure to Stop$189

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

Maybe your phone died, you missed your alarm, and now you're rushing to work. Speeding past a cop car will earn you a ticket that shoots your price up by nearly $20 per month, or $240 per year. The math works out to something that's still affordable for many South Dakotans:

No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$176
$19 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in South Dakota?

How bad was the wreck? Sometimes, it's better to pay out of pocket than file it on your insurance because even a fender bender bumps your rate up by $55 per month, or $660 per year. Here's how the details work out:

No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$212
$55 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in South Dakota?

The person turning left knows you're coming through, but was the light yellow or red? The police officer will swear it was red when he hands you a ticket that pops your rate up by over $30 per month, or $360 per year. Check out the price after a failure to stop:

No Violation - Avg. Monthly Rate
$157
Speeding ticket - Avg. Monthly Rate
$189
$32 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in South Dakota?

Insurance companies define high-risk drivers as those who are more likely to file claims than average drivers. You could end up on the list through no fault of your own, or choices could place you in the category. How exactly?

First-time drivers, teenage drivers, and those age 65 or older all end up in the group—likewise for people with no credit or poor credit. You can also earn a spot if your driving record has the following snafus: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. No matter what caused it, you can still find a sweet deal in the Mount Rushmore State.

Tips for Researching High-Risk South Dakota Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like South Dakota draws a wide variety of choices when factoring high-risk driving insurance rates.
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. 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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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Roy
Written by
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.