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

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.

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.

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:

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:

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:

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:

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.

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