Cheap Car Insurance for High-Risk Drivers in South Dakota:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in South Dakota (2021)

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.

South Dakota Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$157
$176
$212
$205
$189
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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:

$157
$176
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$157
$212
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

$157
$189
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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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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.